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With PolicyHub you get to compare over 37 Huntington, NY Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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 Huntington, NY. 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
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 Huntington, NY.
Frequent Questions...
At Huntington, NY based Prime Insurance we understand that variable life insurance premiums are not necessarily fixed. The premiums you pay for your variable life insurance will depend on the policy you choose and the cash value of your policy. At Prime Insurance, our agents are experts in helping you determine the best policy and payment options to meet your unique needs and budget. We are happy to meet with you in person and help you navigate the array of variables available for variable life insurance. Our knowledgeable agents will work diligently to make sure you have the widest selection of policies and premiums to choose from.
Do variable life insurance quotes in Huntington come with a cash surrender value?
Yes, variable life insurance policies offer cash surrender values in Huntington, NY, and nationwide. Variable life insurance allows the policyholder to allocate premiums to an account where it gains interest. This interest is used to build a cash surrender value that can be accessed if needed. It's important to note that the surrender value may be less than the total amount of premiums paid. If the policy is surrendered for cash value, it will irrevocably terminate and no death benefit will be paid. Thus, it is important to consider all the implications before making the decision to surrender a variable life insurance policy.
With a variable life insurance policy Huntington, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance at Huntington, NY. Huntington offers several investment options, catering to a range of risk levels. You can work with a Huntington representative to find the best option for your individual needs and goals. The choices range from increasing potential returns with greater levels of risk, to providing moderate growth with minimal risk. Additionally, you can review or change your investments any time, to make sure you’re on track for your goals.
How often can I modify my investments in variable life insurance near Huntington?
At Huntington, NY, you have the flexibility to change your investment choices with variable life insurance as often as you'd like--provided the changes are made within the established guidelines and limitations of your policy. You may even be able to take advantage of changing market conditions to make shifts in your insurance investments that may help you reach your financial goals faster. It is important to contact your financial advisor to discuss the best approach to capitalize on the market for your variable life insurance policy.
Is there a minimum guaranteed return with a variable life insurance quote Huntington?
Variable Life Insurance offered through Huntington, NY offers the possibility of premium growth but does not guarantee a minimum return. Life insurance is not an investment, so its primary purpose is to provide a financial safety net to families when the policyholder passes away. That being said, there are many ways to save or invest money on a variable life insurance policy, such as the death benefit, cash value, dividends, and bonuses, that could potentially be used to ensure that policyholders achieve certain financial goals.
At Huntington, NY, the death benefit on an investment can vary depending on the performance of the investment. The performance of the investment affects the amount of money that is paid out upon the death of its owner or beneficiary. The death benefit is determined by the value of the investment at the time of death. If the investment performs well shortly before the owner's death, the benefit may grow substantially. If it performs poorly shortly before the owner's death, the benefit may decrease significantly, resulting in a lower overall benefit to the beneficiary.
Can I upgrade variable life insurance policies near Huntington to another policy type?
Absolutely! At Huntington Insurance in New York, we understand that you may want to change your life insurance policy to better suit your needs. Whether it’s to upgrade from a variable life policy to a different policy like a Universal Life, Variable Universal Life, or Whole Life policy, our knowledgeable team of agents can help you navigate through your many options to pick the one that’s right for you. Call us today to learn more.
Are management fees for variable life insurance in Huntington similar to mutual funds?
When it comes to management fees for variable life insurance, Huntington, NY has plenty of options to meet your financial requirements. Financial institutions in Huntington provide an overall lower management-fee option for life insurance policies, making it comparable to, if not lower than, traditional mutual fund fees. The available fees depend upon the type of life insurance you choose and the institution you select. Your best option when it comes to finding a life insurance policy is to compare and contrast different fees and policies from the various Huntington institutions.
How liquid is the cash value of my Huntington variable life insurance policy?
In Huntington, NY, many variable life insurance policies provide flexible cash value that can be taken out as loans and other forms of withdrawals. Typically, these policies offer higher growth potentials than traditional insurance policies. When seeking a loan, the cash value is liquidated and the loan is repaid with interest. Withdrawals from the policy are also liquid, though they come with tax consequences and may result in policy lapse or termination.
Do I get dividends from my Huntington variable life insurance company?
At Huntington, NY, you may be eligible for dividends from your variable life insurance investments depending on certain criteria. Generally, variable life insurance policies state that you can receive investment income from the policy's sub-accounts, including interest, dividends and/or capital gains. Depending on the specific policy you have, you may be able to receive these dividends directly or you may need to transfer them to other accounts per the policy terms and conditions. To better understand what options may be available to you, please contact your Huntington, NY insurance professional for further details.
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