Taking too long? Close loading screen.
Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 New Brunswick, NJ Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
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
ATTN: 2024 Variable Life Insurance rates just released!
Get the latest Variable Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Variable Life Insurance plan with the cheapest rates in 3 easy steps.
Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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 New Brunswick, 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.
 |
Option 1 | Option 2 | ||
|---|---|---|---|---|
| 100% Digital | ||||
| Licensed Agents | ||||
| Expert Support | ||||
| Get Started in 15 minutes | ||||
| Decades of Experience | ||||
| Compare 37+ Providers | ||||
| Zero Hidden Costs | ||||
| Top Insurance Providers |
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 New Brunswick, NJ.
Frequent Questions...
Variable life insurance in New Brunswick, NJ offers premiums that are not fixed and can vary over time. This type of life insurance enables customers to choose between various investment options to pay the premiums and benefit from any potential gains in the underlying investments. Customers have the flexibility to adjust their investment mix and benefit from potential gains in their underlying investments. When investing in variable life insurance, New Brunswick customers should keep in mind that increases in premiums may be necessary to cover any increases in cost or to achieve the desired level of coverage.
Do variable life insurance quotes in New Brunswick come with a cash surrender value?
Yes, variable life insurance policies in New Brunswick, NJ have cash surrender values. This means that policyholders can choose to terminate their policy and receive the cash surrender value on the policy, which is typically the amount of premiums paid less any outstanding loan or loan interest, as well as any surrender charges imposed by the policy issuer. It is important to understand that a cash surrender value will not always be available, as it depends on the type of policy, the terms within the policy and the performance of the underlying investment account.
How does the cash value work for a variable life insurance policy New Brunswick?
In New Brunswick, NJ, variable life insurance policies have a cash-value component that can grow as policyholders save and invest money within the policy. When the cash-value component is used, the policyholder is able to withdraw or borrow from it and use the money to pay for premiums and other expenses. These policies also include a death benefit that is paid out to the beneficiaries in the event of the policyholder's passing. The cash-value can help the policyholder's loved ones by providing some financial security after the death of the policyholder.
Do I need to understand investments for variable life insurance near New Brunswick?
No, investment savvy is not a requirement to purchase variable life insurance in New Brunswick, NJ. In truth, you can succeed with variable life insurance without having any knowledge about investments. Instead, you simply need to discuss your priorities and goals with an experienced financial professional who can offer advice and insights on how to best accomplish those objectives. Keep in mind that the most successful variable life insurance plans are those that are tailored to an individual's present and future wishes. A certified and knowledgeable financial advisor in New Brunswick, NJ can help make this possible.
What happens if my variable life insurance quote New Brunswick underperforms?
If your chosen investments perform poorly, there are a couple of resources available to assist New Brunswick, NJ residents. The Financial Planning Association of New Jersey provides one-on-one financial counseling and educational resources, while the Rutgers Center for Adult Financial Education offers seminars and discussions on how investing in different markets works. Additionally, certified financial planners in the area can help you review your portfolio to discuss more conservative investment choices or strategies. Lastly, local libraries offer various books on investing and learning the fundamentals of the market should you need more guidance in making informed decisions.
In New Brunswick, NJ, variable life insurance policies have the same age restrictions as any other insurance policy if purchased through a life insurance provider. Generally, those who are 18 years and older are eligible to purchase a variable life insurance policy. There may be exceptions based on the provider's terms and conditions, but typically individuals aged 18 and older are able to purchase variable life insurance.
How does cash value growth influence death benefit with variable life insurance policies near New Brunswick?
In New Brunswick, NJ, variable life insurance policies have cash values that can grow over the life of the policy, resulting in an increased death benefit. Additionally, policyholders generally have the option to invest their policy's cash value in professionally managed funds, depending on the policy. This flexible investment approach allows them to realize potential gains from their cash value, in the form of a larger death benefit when they pass away. Furthermore, any gains on the cash value are tax-deferred, giving the policyholder more control over their money.
How regularly should I check my variable life insurance in New Brunswick?
In New Brunswick, NJ, it is recommended to review your variable life insurance policy at least annually or after any major change in your life such as marriage, birth, death, new job, or reaching a certain age. Reviewing your policy regularly will help to ensure you have enough coverage and that your beneficiaries are still up to date. Additionally, reviewing your policy documents will allow you to assess if any changes in the law or your policy has an impact on your premiums or other features. Taking the time to audit your policy inevitably pays off in the long run.
Can I use my New Brunswick variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in New Brunswick, NJ. With a variable life insurance policy, policyholders can invest their premiums in separate accounts that fluctuate with the performance of the investments. These separate accounts offer the potential for higher returns than some other types of investments, along with death benefit protection. Additionally, the policyholder can gain tax-deferral of the policy's savings, meaning that taxes will not be assessed until the funds are withdrawn.
Can I convert from term life insurance with a New Brunswick variable life insurance company?
It is possible to convert your term life insurance to variable life insurance in New Brunswick, NJ. Before making a decision, however, there are key considerations to take into account. Variable life insurance is a policy that is marketed as an option for retirement when individuals are looking to insure their savings and investments. Variable life insurance often includes a number of investment options and strategies, and you should make sure to read the associated fine print and speak with a financial advisor to ensure you understand the features and the associated risks.
Compare New Brunswick, NJ Variable Life Insurance Policies
Get started today and compare over 37 Variable Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved
