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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 Hammonton, 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.
Roy Stephens
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Mark Sidway
Variable Life Insurance agent
Mark Sidway is a Variable Life Insurance agent licensed in your state.
Cale Reeves
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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 Hammonton, NJ.
Frequent Questions...
A variable life insurance policy in Hammonton, NJ revolves primarily around three components flexible premiums, death benefits, and a range of investment option. Flexible premiums allow policyholders in Hammonton to adjust the amount of their life insurance payment on a yearly basis. Death benefits typically provide the policyholder and their beneficiaries with a fixed amount of money upon the policyholder's passing. Additional investments of the policyholder's own selection are also part of the variable life insurance policy package in Hammonton. Usually these investments take the form of common stocks, bonds, and money market accounts.
With variable life insurance quotes in Hammonton, how is the beneficiary impacted by investment performance?
Beneficiaries in Hammonton, NJ can often be positively affected by investment performance in their portfolio. When investments perform well, beneficiaries may experience growth in their investments which allows more capital to contribute to their long-term financial stability. Furthermore, investments that appreciate in value can help to offset any negative impacts from inflation by providing high returns or capital gains. Additionally, beneficiaries may also benefit from any dividend or interest payments generated from investments which can help to increase their purchasing power. In sum, beneficiaries can benefit from investment performance in their portfolio in a variety of ways.
What potential risks are there with a variable life insurance policy Hammonton?
Variable life insurance involves investing the policy ownerβs premium payments into a variety of market-based investments, such as stocks, bonds and mutual funds. This type of insurance carries more risks than a traditional life insurance policy, and most policyholders are required to register with the Securities and Exchange Commission in order to purchase this type of policy. Given Hammonton, NJ is located in a rural area with little access to the types of investments available through variable life insurance, there is an additional risk of being unfamiliar with the investment options and the related rules inherent to investing in those instruments.
How transparent is the investment performance of variable life insurance near Hammonton?
The investment performance of variable life insurance products in Hammonton, NJ is highly transparent. Your policy provider will clearly outline all the features and benefits of the policy, including the investment options and current performance. At the same time, a policy summary can be made available at your request, informing you of potential growth and projected returns relative to the market. You can keep in touch with any changes and updates through spot market and other financial advisement tools, so you always know what your policy is worth and how it can change over time.
Is there a minimum guaranteed return with a variable life insurance quote Hammonton?
Variable life insurance generally does not guarantee a certain return on investment, however, many people in the Hammonton, NJ area find variable life insurance to be a valuable part of their financial security. It provides potential benefits through the cash value buildup, which is based on the performance of the company's separate account investments, subject to normal fees and expenses. Additionally, variable life policies typically offer death benefit protection, income tax advantages and flexible premiums.
In Hammonton, NJ, the age restriction for purchasing variable life insurance depends on the insurance company as well as the product. Generally speaking, the uplifted age for variable life insurance policyholders is 85 in New Jersey, however some carriers may go as low as 18 and may have certain clauses that permit minors to purchase a policy depending on the situation. It's important to check with the specific insurance company to determine what the age restrictions may be for their variable life insurance products.
Can I upgrade variable life insurance policies near Hammonton to another policy type?
It is possible to upgrade your variable life insurance policy to another type of policy, depending on what your needs and preferences are. Hammonton, NJ is home to many insurance brokers who would be glad to assist you with upgrading your existing life insurance policy. You should consider speaking with an agent in person to discuss your individual situation and review the best policy options to meet your requirements. This could include policy upgrades such as term life insurance, whole life insurance, burial insurance, and universal life insurance.
Are management fees for variable life insurance in Hammonton similar to mutual funds?
While the management fees for variable life insurance can vary, compared to regular mutual funds, they generally tend to be more expensive due to the extended level of protection they offer. That being said, Hammonton, NJ residents can access cost-effective mutual fund options at many of their local banks and credit unions, such as TD Bank and Credit Union of New Jersey, or utilize online platforms, like Ally Invest and Acorns, for low-cost mutual fund investing services.
Can I use my Hammonton variable life insurance policy for retirement savings?
Yes, variable life insurance can be a great retirement savings vehicle for Hammonton, NJ residents. Variable life insurance is an adjustable policy that allows individuals to customize their investments and build their portfolios accordingly, giving them the control they need to plan for retirement. The cash value of the policy earns interest at a rate agreed to by the policyholder, providing attractive tax incentives and other financial benefits. With variable life insurance, Hammonton residents can be prepared for any potential health or lifestyle changes that may arise in their golden years.
What's the typical duration of terms with a Hammonton variable life insurance company?
The typical duration of a variable life insurance policy depends on the needs of the policyholder. In Hammonton, NJ, most variable life insurance policies can last between one and thirty years. If one wants the policy to last beyond thirty years, other options such as a universal life insurance policy or a whole life insurance policy should be explored. Each policy has its own unique benefits and drawbacks and looking into them to determine the best choice for individual needs is recommended. Ultimately, the duration of the policy should be determined by the individual's financial goals and needs.
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