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With PolicyHub you get to compare over 37 Hackensack, NJ Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Hackensack, 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.
Save time and get the best Variable Life Insurance policy with the cheapest rates. Guaranteed.
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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.
Roy Stephens
Variable Life Insurance agent
Roy Stephens is a Variable Life Insurance agent licensed in your state.
Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
Variable Life Insurance agent
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 Hackensack, NJ.
Frequent Questions...
Individuals living in Hackensack, NJ, who are looking for a tax-advantaged way to plan for their financial future and their loved ones should consider purchasing variable life insurance. Variable life insurance has the potential to grow the policyholder's cash value over time and offer access to death benefit protection, as well as controllable premiums that may be adjusted up or down depending on need. It is a great tool for long-term financial planning, allowing policyholders to choose from a variety of investments based on their specific needs and goals.
With variable life insurance quotes in Hackensack, how is the beneficiary impacted by investment performance?
In Hackensack, NJ, the beneficiary of an investment is affected by performance in various ways. Depending on the type of investment, the beneficiary may receive direct benefits from any gains or suffer any losses should the investment perform poorly. For example, if the beneficiary invests in a lucrative business venture that yields a substantial return, the reward may come in the form of a dividend, a pay-out, or a share in the profits. Conversely, should the investor experience losses, which can be expected from time to time, the beneficiary may see a similar loss in income or benefit from the investment.
With a variable life insurance policy Hackensack, can I decide where my premiums are invested?
Absolutely! Variable life insurance in Hackensack, NJ offers the flexibility to choose the investments that best fit your needs and goals. You can use a variety of financial instruments, such as stocks, bonds and mutual funds, to create an optimal portfolio that reflects your risk tolerance, asset allocation goals and other preferences. Speak with one of our Hackensack-based life insurance professionals to learn more about which investments would be most suitable for you.
Is there a death benefit guarantee with variable life insurance near Hackensack?
In Hackensack, NJ, a guaranteed death benefit is available with variable life insurance. When selecting a policy, the policyholder will receive a guaranteed death benefit regardless of the performance of the subaccounts in the policy. Guaranteed death benefits give the policyholder peace of mind that their loved ones will be taken care of in the event of their passing. Although the death benefit may be lower than other types of life insurance policies, the guaranteed death benefit can provide financial protection for the policyholder's family in the Hackensack, NJ area.
What are the surrender fees for a variable life insurance quote Hackensack?
Surrender charges for variable life insurance policies in Hackensack, NJ, will vary according to the company you use. Youβll need to contact your insurance provider directly to get details of their specific policies and charges. Generally, surrender charges are between 5% and 7% of the total cash value of the policy in the first year and decrease each year you keep the policy. You may also be charged an administrative fee if you cancel the policy. Itβs important to assess your current financial situation before making any decisions about surrendering your variable life insurance policy.
Yes, there are restrictions on fund transfers in the policy for Hackensack, NJ. All fund transfers must be approved by the governing authorities of Hackensack, and they must adhere to the municipal and state laws in the area. Additionally, funds must be transferred in U.S. dollars and all transactions must be properly documented. Furthermore, any fund transfers require a signed authorization from all parties involved. These restrictions are in place to ensure financial transactions are conducted in a secure and lawful manner.
Can I upgrade variable life insurance policies near Hackensack to another policy type?
Yes, you can upgrade your variable life insurance to another type of policy in Hackensack, New Jersey. To determine which policy works best for you, we would suggest you talk to your current insurance provider and/or seek advice from an independent insurance agent in the area. An independent agent can review the options available and will be able to suggest a policy that would meet your needs. They can also explain the differences between various coverage and give you the ability to compare plans side-by-side. With an independent agent, you ensure that you're getting the most value for your money.
How can I monitor performance of my variable life insurance in Hackensack?
In Hackensack, NJ, tracking the investment performance of your variable life insurance is as simple as contacting the insurance advisor from whom you purchased the policy. They will be able to provide you with up-to-date information about the performance of your investments and any possible adjustments that need to be made. Additionally, they can provide you with advice and guidance to help you manage your policy and maximize its performance to reach your financial goals.
Is my Hackensack variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance that is well-suited for Hackensack, NJ residents looking to maximize their long-term savings. Like any type of permanent life insurance, money is placed into an account that generates earnings over time. The difference with variable life insurance is that the earnings are based on investments made with funds from the account, such as stocks, bonds and mutual funds. This strategy provides additional reward potential and the flexibility to make adjustments in response to changing markets.
Do I get dividends from my Hackensack variable life insurance company?
Investing in variable life insurance in Hackensack, NJ can be a great way to give your portfolio a boost. Many policies have the ability to distribute dividends from the investments held in a policy holder's account. However, the whether or not a policyholder receives dividends depends heavily on the performance of the investments, so there is no guarantee of how much one can expect to receive, if anything at all.
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