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With PolicyHub you get to compare over 37 Paramus, NJ Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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.
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 Paramus, 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.
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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 Paramus, NJ.
Frequent Questions...
In Paramus, NJ, the premiums for variable life insurance may be fixed or adjustable depending on what type of policy you purchase. Fixed premiums remain the same no matter what happens to the stock or bond markets, while adjustable premiums may change if there is a change in investment results. An insurance specialist in Paramus, NJ can help you choose the policy that meets your needs and can best provide the protection you need for yourself and your family. With the right policy, you can rest assured that your family is protected for years to come.
With variable life insurance quotes in Paramus, how is the beneficiary impacted by investment performance?
In Paramus, NJ the beneficiary of an investment performance will be affected through increased wealth depending on the outcome. This is because the market value of the investment can go up or down based on a variety of different factors, such as economic conditions. Whether positive or negative, the outcome of an investment can have a direct impact on the beneficiary. Higher returns with a bull market generally mean increased profits and added wealth for the beneficiary, though it also carries with it increased risk. Lower returns with a bear market can mean decreased wealth for the beneficiary, however it is generally accompanied by lesser risk.
How does the cash value work for a variable life insurance policy Paramus?
The cash value component in a variable life insurance plan works in Paramus, NJ by providing individuals with the ability to accumulate and borrow from cash value over time. The policyowner can choose to invest the money in a variety of separate accounts, such as stocks, bonds, and mutual funds, and are permitted to switch assets between the accounts. Generally, the more a policyowner puts into the policy, the greater the potential for cash value, allowing the policy to become a source of funds in retirement or estate planning.
How often can I modify my investments in variable life insurance near Paramus?
As a resident of Paramus, NJ, you have the advantage of changing your investment choices with variable life insurance as often as you like. It's important to consider any potential tax implications and changes in market conditions before making any changes to your policy. However, with variable life insurance policies, you are empowered to make changes to your premiums and investment choices as frequently as you deem necessary. It is also important to remember to consult with a financial professionals to ensure your selections are in line with your goals and best interests.
Can I include riders in my variable life insurance quote Paramus?
Yes! You can add riders to your variable life insurance policy in Paramus, NJ. Riders are a great way to customize your insurance policy and protect yourself and your family. Common riders include a waiver of premium rider, an accelerated death benefit rider, and a chronic illness rider. A waiver of premium rider pays the premiums of your policy in case of disability, so you don't have to worry about the cost. An accelerated death benefit rider provides an advance on your death benefit in the event that you are diagnosed with a terminal condition.
Yes, in Paramus, NJ all buyers of variable life insurance must be at least 18 years of age in order to purchase a policy. The insurance company may also require you to provide documentation to verify your age. In addition, you may be required to undergo a medical examination to check your health and to establish insurability. Ultimately, it is up to the insurance company to determine if you meet the criteria to purchase variable life insurance. Therefore, it is important to make sure that you meet the age requirements before you commit to buying a policy.
Can I direct specific investment strategies for variable life insurance policies near Paramus?
Generally speaking, the policyholder cannot dictate specific investment strategies for the cash value of their policy. However, many life insurance companies in the Paramus, NJ area offer flexible policy features that allow policyholders to select their own investment vehicles, determine how their cash values are allocated, and create customized portfolios to meet their individual needs. Ultimately, the policyholder must work with their life insurance provider to decide which investments are best suited for their goals.
Can I change investment options for variable life insurance in Paramus without tax effects?
Yes, you can switch between investment options without tax implications in Paramus, NJ. Residents of Paramus can make changes to their investment strategy free from fear of taxes. As long as the switching does not break any applicable securities regulations, Paramus residents can choose to shift investments to other options without any adverse implications on their tax situation. Whether you are making a one-time or frequent switch between investment options, Paramus residents will not be liable for any additional taxes as a result of the process.
How liquid is the cash value of my Paramus variable life insurance policy?
In Paramus, NJ, the cash value in a variable life insurance policy is largely dependent upon the performance of the underlying investment options that you have selected. Typically, the cash value will reflect the current value of the investments selected. This means that the liquidy of the cash value will depend on the chosen investment options. While some may offer near-term liquidity, others may be less liquid and longer-term in nature.
Do I get dividends from my Paramus variable life insurance company?
It depends on the type of investments you have made with your variable life insurance in Paramus, NJ. Generally speaking, you will likely receive a portion of any earnings from your investments which are referred to as dividends. To get an accurate answer to your question, you should consult with an adviser or investment broker to get insight into what you should expect in terms of returns from your specific investments. Additionally, you will need to consult your policy provider in order to determine any specific limitations or considerations that may be associated with receiving dividends from a variable life insurance policy.
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