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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 Plainview, 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
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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 Plainview, NY.
Frequent Questions...
Residents of Plainview, NY who are looking for a financial tool to help them plan for the future should consider purchasing variable life insurance. Variable life insurance is one of the most reliable and popular types of life insurance policies available it offers a cash-value feature as well as flexible premium payments. In addition, policyholders can invest part of the funds from their cash-value account in markets of their choosing, allowing them to see potential growth on part of their premium.
With variable life insurance quotes in Plainview, how is the beneficiary impacted by investment performance?
In Plainview, NY, the beneficiary of an investment performance is affected in numerous ways. For those taking investment risk, a desired outcome of strong returns can lead to increased financial stability and wealth accumulation. On the other hand, a poor return can bring unfavorable effects, such as diminished capital, reduced savings, or stagnant financial growth. Nevertheless, regardless of the performance, the beneficiary can benefit from additional learning and experience when undetaking an investment. They can benefit from understanding various market conditions, working with an experienced investment advisor, and potentially benefit from new financial strategies.
What are the tax aspects of a variable life insurance policy Plainview?
Individuals in Plainview, NY who are considering purchasing variable life insurance should be aware that it may have a tax implication. The policy's cash surrender value can be withdrawn and could result in taxation of the gain in the policy—taxable income based on the gain amount over the cost basis of the policy. Also, the amount of premium paid into the policy could be subject to taxation if the policy is cashed in or lapses for a period of time.
What fees are there with variable life insurance near Plainview?
The fees associated with variable life insurance can vary depending on the policy you choose. In Plainview, NY, many carriers charge a range of fees such as a policy charge, contract maintenance fee, administrative fees, and custodial fees. Additionally, there may also be fees associated with the investment options you choose, including annual management fees. It's important to work with an experienced and qualified life insurance agent or broker when selecting an insurance policy and investment options, they can help determine the fees associated with any policy to ensure you're making the best decision for you and your family.
Is there a minimum guaranteed return with a variable life insurance quote Plainview?
Variable life insurance in Plainview, NY offers a valuable solution for those looking to gain a guaranteed minimum return with the potential to earn much more. Variable life policies include a guaranteed minimum death benefit that ensures your loved ones are taken care of in the event of an untimely death. Furthermore, you can benefit through active participation in the variable portion of the policy where gains can be made in most investment options. The guarantee and potential for growth offer a unique, invaluable option safely and securely.
Yes, there are certain limitations on fund transfers within the policy for Plainview, NY. Specifically, any funds transferred between accounts in Plainview require a minimum transfer amount of $100 and must be completed at least 24 hours in advance. Any funds transferred between outside accounts require a minimum of $500 and must be completed at least one week in advance. Furthermore, all transfers require the verification of two individuals with authority to approve such transfers. Transfers cannot be done between unrelated individuals. Thank you for asking.
Do variable life insurance policies near Plainview provide guarantees on returns?
Variable life insurance in Plainview, NY offers guaranteed minimum death benefits and the potential for variable performance based on investment options, however, there are no guarantees on investment returns. The death benefits offered on variable life insurance policies typically offer a guaranteed death benefit, but the policy's overall performance is determined by the performance of its underlying assets, such as stocks, bonds, and mutual funds. Investing in variable life insurance is subject to market risk, but its death benefits can provide protection for individuals and their loved ones in Plainview, NY.
Are management fees for variable life insurance in Plainview similar to mutual funds?
In Plainview, NY, management fees for variable life insurance can vary greatly depending on the particular provider, however, they are commonly comparable to the management fees attached to mutual funds. Individuals considering variable life insurance should research the cost of the specific policy to ensure they are getting a competitive rate. By researching options and considering the amount of coverage provided, New Yorkers in Plainview are more likely to get an insurance policy with fees that are comparable to mutual funds.
How liquid is the cash value of my Plainview variable life insurance policy?
Each variable life insurance policy is different and can differ in terms of the cash value liquidity, however in essence the cash value of a variable life insurance policy can be accessed in Plainview, NY after a waiting period of time in case policy owners need access to liquid funds. Typically the cash value you accumulate within their policy increases with the current stock performance which makes the cash value even higher over time. The policy owner will be able to access the cash value in Plainview, NY by surrendering the policy or through policy loans.
Does my Plainview variable life insurance company offer a grace period for premium payments?
In Plainview, NY, most variable life insurance providers do offer a grace period for premium payments. This grace period is typically 31 days and a late fee may be charged for any payments made during this time. In general, variable life insurance offers financial protection for your family in the event of death, making it a wise investment for long-term financial security. It is important to stay up to date on payments, as premium payment failure will result in policy forfeiture. Speak to a financial advisor and review your policies to ensure you’re taking advantage of all possible grace periods and other payment options.
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