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"I was totally lost trying to find the right Variable Life Insurance until I found PolicyHub. I was able to work with a licensed agent to compare all my options all at one. I got the perfect plan for me at a cheaper rate than I expected."
Barbara Winters
Policy Holder
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"I lost hope trying to find a Variable Life Insurance policy that wasn't insanely expensive. Thankfully PolicyHub helped me find the perfect policy that is affordable with high coverage. Thank you!"
Bill Barton
Policy Holder
PolicyHub is the smartest way to protect the people that matter most.
Safeguard Your Family
Variable Life Insurance means safeguarding your family in a worst-case scenario. Don't risk it.
Gain Peace of Mind
Far too many Americans are financially blindsided by the death of a loved one. But not your family.
Protect Your Business
Protect your business by ensuring a smooth transition of ownership with the right life insurance.
Beat Estate Taxes
Inheritance or estate taxes is burdensome for your heirs. A life insurance policy can help.
Invest in Your Future
For less than $1 per day, you can make a huge contribution to your family's financial safety.
Build Your Legacy
Through a life insurance policy, you can leave behind a legacy for your loved ones.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Englewood, NJ. Get started in under 15 minutes.
All your Variable Life Insurance needs in one place.
Variable Life Insurance is a type of insurance that combines the features of protection and investment. It isn't just about securing your family's future; it's also a way to grow your wealth. While it offers a death benefit similar to traditional life insurance, a part of your premium goes into investments, offering a chance for your money to grow over time.
This insurance has two main components. The first is the death benefit. If you pass away, your family receives a set amount to financially support them. The second part is the cash value. This is the investment portion. You can choose from a variety of funds provided by the insurance company. As the value of these investments goes up or down, so does the cash value of your policy.
One subtype of variable life insurance is called variable universal life insurance. You can adjust your premium and death benefit as your financial needs change. And just like with Variable Life Insurance, a portion of your premium goes into investment funds. This policy offers both the security of life insurance and the growth potential of investment. It's all about giving you the choices and control over your financial strategy.
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Real PolicyHub testimonials...
"I knew I needed Variable Life Insurance but I didn't know where to go. I talked with a few other companies but the cost was outrageous. I found PolicyHub and found the perfect plan for me at an affordable cost."
Wendy Smith
Policy Holder
Get matched with a 5-Star Variable Life Insurance agent.
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Cale Reeves is a Variable Life Insurance agent licensed in your state.
"I was searching for Variable Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
Policy Holder
Introducing PolicyHub Price Match Guarantee
Our priority is to save you money while getting you the right coverage. If you find a lower rate for a similar policy anywhere else, we'll match it! With PolicyHub, you can rest assured knowing you're getting the best price for Variable Life Insurance in Englewood, NJ.
Frequent Questions...
Variable life insurance policies are an important financial option for those seeking protection in Englewood, NJ. These policies provide the beneficiaries with a death benefit and the policyholder with built-in investment options to build cash value. The primary components of variable life insurance policies include a death benefit, flexible premium structure, investment options, and tax benefits. Depending on the policy, investments may include stocks, bonds, mutual funds, and/or other assets. The potential for handsome returns, combined with the security that comes with life insurance, makes variable life insurance an attractive choice.
Are there early withdrawal penalties for variable life insurance quotes in Englewood?
It is important to note that although early withdrawal from a Cash Value in Englewood, NJ is sometimes possible, there may be certain imposed penalties that will affect the amount withdrawn. Depending on the type of product and the evaluator, those fees can include surrender charges or market value adjustment fees. Additionally, some products may also adjust the internal rate of return and alter the amount of available death benefit too. Therefore, it is important to consult with a financial specialist or an expert on such products to discuss any potential implications of early withdrawal before proceeding.
What are the tax aspects of a variable life insurance policy Englewood?
The tax implications of variable life insurance in Englewood, NJ can vary greatly depending on the specific policy and the current tax regulations of the state. It is important to review the specific terms of any policy to ensure that one is in compliance with all applicable taxes. Generally speaking, when premiums are paid in cash, they may be partially or fully deductible depending on the death benefits of the policy, the insured’s filing status, and the insured’s income level. Generally, any payments or death benefits payable to the insured are not subject to taxation.
How often can I modify my investments in variable life insurance near Englewood?
In Englewood, NJ, you can change your investment choices with variable life insurance as often as you’d like and at any time. However, if you make frequent changes, you should consider the implications for your policy. It’s important to remember the underlying philosophy of diversification when making decisions about allocating your investments. If you’re uncertain about what changes to make or how often, it may be a good idea to consult with a certified financial advisor.
How does a variable life insurance quote Englewood handle dividends?
In Englewood, NJ, dividends from variable life insurance are treated like any return of premium in that they are applied to the cash value. Policyholders can use the dividends to increase the face value of the death benefit. Alternatively, dividends can be used to purchase additional paid-up insurance, to pay premiums on the policy, or as a cash payment to the policyholder. Speak with your life insurance advisor to determine how you should allocate your dividends to get the most benefit from your policy.
The death benefit in Englewood, NJ typically varies with the performance of your investment. The benefit may increase if your investment performs well, but may decrease if your investment is not performing as desired. It is important to note that when it comes to investments, performance is not guaranteed, and there is a risk of loss in the value of your investment. For this reason, consulting with a financial advisor and understanding the associated risks related to an investment can be beneficial to ensure the best possible outcome for your death benefit.
Can I direct specific investment strategies for variable life insurance policies near Englewood?
In Englewood, NJ, policyholders may have some ability to direct the cash value of the policy depending on the type of policy but the specifics of investment strategies are typically determined by the insurance company. The policyholder can provide the company with guidelines and parameters of what they would like the strategy to do, and the company can help design an investment approach within those limitations. Ultimately, the policyholder has the ability to approve or decline any proposed strategy.
Does all variable life insurance in Englewood offer the same investments?
No, not all variable life insurance policies offer the same investment options in fact, the investment options can vary widely. Depending on where you live in Englewood, NJ, you may be able to access variable life insurance policies that include everything from tax-free municipal bonds to stocks and managed funds. It's important to read and understand the policy as well as the investment options so that you can make an informed decision that's in your best interest.
Is the cash value in my Englewood variable life insurance policy safe from creditors?
In Englewood, NJ, the cash value in variable life insurance policies is generally protected from creditors except under certain conditions. The New Jersey Creditor creditor Rights Act includes a statutory exemption that protects certain life insurance cash value from creditors. In order to qualify for the exemption, the insured must be a resident of New Jersey and the contract must have been purchased in New Jersey. Additionally, the New Jersey Life & Health Insurance Guaranty Association is available to protect policyholders and beneficiaries in cases of insolvency, and state law prevents the seizure of policy proceeds for debt collection purposes.
Do I get dividends from my Englewood variable life insurance company?
If you have a variable life insurance policy in Englewood, NJ, you may receive dividends from the underlying investments. Dividends are profits that are generated from the investments in your policy. Depending on the portfolio management decisions you have made and the success of your investments, these dividend payments may vary. For more information, contact your insurer to learn more about the dividend eligibility and payout involved in your policy.
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