Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Port Washington, NY 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 Port Washington, 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.
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 Port Washington, NY.
Frequent Questions...
Variable life insurance in Port Washington, NY provides policyholders with an additional layer of flexibility that other life insurance policies do not offer. With this form of coverage, policyholders can determine where their money is invested, meaning they are able to choose the funds that provide the most favorable returns. Additionally, some of these policies have the ability to build cash value over time and may give the option to borrow against it. Other life insurance policies, such as basic term life, typically offer only a death benefit based on pre-determined payments and do not typically allow for changes within the policy.
With variable life insurance quotes in Port Washington, how is the beneficiary impacted by investment performance?
In Port Washington, NY, beneficiaries of an investment are likely to be affected by its performance in multiple ways. Whether it's a seasonal fluctuation, an unprecedented slowdown, or a spike in growth, any change in an investment's performance can affect returns, dividends, capital gains, and the value of the investment itself, all of which directly benefit the beneficiary. Depending on the type of investment, this can mean larger returns or a more steady income, a longer timeline to build capital gains, or a deeper appreciation for the investment itself.
What potential risks are there with a variable life insurance policy Port Washington?
The potential risks associated with variable life insurance in Port Washington, NY depend greatly on the investments you make in your policy. Since your policy portfolio is subject to market volatility, your returns can go up and down, creating a larger risk for policyholders. You may also find yourself paying more in premiums if you choose unpredictable investments. Additionally, if you surrender your policy before the expiration date, you may find yourself with significantly less money than you originally invested and face potential surrender fees. With variable life insurance, it is important to understand the risks before making any decisions.
How often can I modify my investments in variable life insurance near Port Washington?
In Port Washington, NY, you can typically change your investment choices with variable life insurance up to two times per year. However, it's important to check with a representative at your local life insurance provider to confirm the frequency and timing of changes. Furthermore, it's suggested to check all of your options before making a change and consult with your financial advisor to ensure your life insurance choices are suited to your individual financial goals.
What are the surrender fees for a variable life insurance quote Port Washington?
Surrender charges for variable life insurance policies in Port Washington, NY vary depending on the type of plan purchased. Generally speaking, the charges are based on the amount of time the policy has been in effect. Some companies impose surrender fees for policies that have been in effect for fewer than seven years, while others may charge higher fees for policies longer in effect. If you have any questions regarding the surrender charges for a particular policy, it is best to contact your life insurance provider directly to obtain an accurate answer.
Variable life insurance is not typically the ideal option for short-term coverage needs. Life-insurance coverage is most beneficial when individuals maintain their policy for the long term to take advantage of the cash value it accrues. If you live in Port Washington, NY, you might want to focus on term life insurance. Term life insurance may be more cost effective when your coverage requirement is short-term since it does not come with an investment component. A financial advisor in Port Washington, NY can advise you more about the options available to suit your specific financial and coverage needs.
Do variable life insurance policies near Port Washington provide guarantees on returns?
Variable life insurance guarantees a death benefit to beneficiaries, but it does not offer any guarantees as far as potential investment returns. However, living in Port Washington, NY, individuals have the unique ability to take advantage of many services from knowledgeable local financial advisors and major insurance providers. These providers specialize in variable life insurance and can help individuals understand how the policy fits into their larger financial plans and retirement goals. In addition, these professionals can guide individuals to choose the investments that best support those goals while also understanding the risks associated with variable life insurance policies.
Are management fees for variable life insurance in Port Washington similar to mutual funds?
In Port Washington, NY, variable life insurance management fees may be comparable to those of regular mutual funds, depending on the provider. However, the fees you pay for insurance typically don't go toward mutual funds and frequently provide more flexible, tax-advantaged opportunities for your long-term savings due to how the underlying investments are structured. Some insurers in Port Washington may also offer products that have lower fees than comparable mutual funds, so there's always a possibility that the fees may be lower than you expect.
Is the cash value in my Port Washington variable life insurance policy safe from creditors?
In Port Washington, NY, the cash value in variable life insurance is protected from creditors. In accordance with New York state law, policyholders are often eligible for asset protection. This means creditors are prohibited from taking asset amounts which are above a minimum set by the state. Generally speaking, this minimum is a few thousand dollars, but may be higher in New York. If you are unsure whether the cash values in your variable life insurance policy are protected, you should consult with a qualified lawyer in Port Washington for more information.
Does my Port Washington variable life insurance company offer a grace period for premium payments?
Variable life insurance policyholders in Port Washington, NY may be eligible for a grace period for premium payments, depending on their individual life insurance provider. In general, when the premium is late, companies may offer a grace period of about 30 days, giving the policyholder time to make the payment without the policy lapsing. Some companies may offer a longer grace period. It is important to note that the policyholder will still be responsible for any charged interest or late fees that occur during the grace period.
Compare Port Washington, NY 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