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 Kensington, PA 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 Kensington, PA. 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 Kensington, PA.
Frequent Questions...
Variable life insurance is a type of life insurance policy that provides flexibility and potential cash value accumulation. In New Kensington, PA, it offers policyholders the opportunity to customize their life insurance coverage to meet their individual needs, with a range of investments to choose from. These investments are held in an account that can grow tax-deferred with many potential investment options, including equity funds, bonds, mutual funds and stocks. Additionally, policyholders can adjust the amount of premium payments or the coverage amount to better suit their changing needs and financial situation.
Are there early withdrawal penalties for variable life insurance quotes in New Kensington?
Yes, there are penalties for withdrawing from the cash value of life insurance policies in New Kensington, PA. Depending on the policy and terms of the policy, an early withdrawal typically incurs a surrender charge. Additionally, if money is withdrawn before the policy has been in effect for a certain number of years, one will be subject to the interest and dividends that could have been earned if the funds had been left in the policy. Some policies also have reducing paid-up values after an early withdrawal, meaning that the death benefit decreases or stops altogether.
With a variable life insurance policy New Kensington, can I decide where my premiums are invested?
Yes, with variable life insurance, you are able to choose where your premiums are invested. Additionally, depending on where you live in New Kensington, PA, you may be able to access certain additional investments that could be more beneficial to your long-term financial goals. Reaching out to a trusted insurance professional in the area can give you insight into your local options and explain how the investments will impact your policy. A reputable advisor can also help you create a plan to reach your financial goals and make sure you are making the most of your variable life insurance policy.
How transparent is the investment performance of variable life insurance near New Kensington?
In New Kensington, PA, variable life insurance's investment performance tends to be highly transparent. At every step, you should understand exactly how your policy works, how much coverage you are entitled to, and where each dollar of your investment will be going. Detailed monthly and annual reports will summarize the performance of the underlying investment portfolios, show your current policy values, and disclose any changes in policy particulars. With this level of transparency, you can make informed decisions that match your personal goals and objectives.
How does a variable life insurance quote New Kensington handle dividends?
Dividends paid from variable life insurance policies in New Kensington, PA are typically treated as part of a policy holder's account value. This provides the flexibility to use these dividends for either future premium payments, modifications to the death benefit or as a payment directly to the policy holder. Additionally, dividends may be applied to the purchase of additional coverage or investment options in the variable life insurance policy. Ultimately, the choice of how to use the dividends is up to the policy holder.
Yes, you must meet age restrictions to buy variable life insurance in New Kensington, PA. Generally, you must be between 18 and 75 years old, although some exceptions may apply. You must also meet any other requirements such as financials and health verification set by the insurance company. Be sure to talk to a licensed insurance representative to discuss available coverage and ensure you meet all eligibility rules.
Can I direct specific investment strategies for variable life insurance policies near New Kensington?
In New Kensington, PA, policyholders can work with their insurance company to identify investment strategies that align with their goals for the cash value. However, policyholders should understand that while they have some input, the insurance company is ultimately responsible for making the investment decisions, ensuring that the investments they choose are suitable and the fee structure is transparent. Ultimately, policyholders can rest assured that their insurance company is looking out for their best interests as they navigate the many options available to them.
Can I change investment options for variable life insurance in New Kensington without tax effects?
In New Kensington, PA the ability to switch between investment options without tax implications depends on the type of investment you have chosen. For example, if you have chosen a Roth IRA, you can move money back and forth without tax implications. However, if you are switching between investment options such as mutual funds or stocks, there may be tax implications, depending on the specific circumstances. That is why it’s important to speak to a financial advisor before making any decision, as there are rules that must be followed in order to avoid any unintended consequences.
Can I use my New Kensington variable life insurance policy for retirement savings?
Yes, variable life insurance can be used as a retirement savings vehicle in New Kensington, PA. As an example, variable life insurance includes an investment vehicle called a separate account, where policyholders can allocate funds according to their investment strategies. Upon retirement, policyholders can access the funds received from the policy, which have the potential to increase in value and provide greater income for retirement.
Can I convert from term life insurance with a New Kensington variable life insurance company?
Converting term life insurance to variable life insurance is certainly possible, and you should consider the potential risks and benefits of such a change carefully. If you live in New Kensington, PA, it's a good idea to reach out to a local insurance provider for advice on the conversion process and to get more information about the variable life options that are available. Speak to a qualified financial advisor or insurance representative to understand the potential advantages and disadvantages of converting term life to variable life insurance, and so you can make an informed decision that's tailored to your specific needs.
Compare New Kensington, PA 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
