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Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Queens, 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
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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
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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
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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 Queens, 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.
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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
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 Queens, NY.
Frequent Questions...
Residents of Queens, NY seeking a policy with more flexible financial options should consider purchasing variable life insurance. Variable life insurance provides customizable death benefit amounts, allowing for policyholders to adjust the amount in line with their life events and needs. Furthermore, policy holders can increase or decrease their premium payments depending on their short-term financial situations, allowing them to select a payment amount that is in line with their current or near-future budget. An added bonus is the investment component of variable life policies which provides policyholders with the chance to participate in stock and bond investments.
Are there early withdrawal penalties for variable life insurance quotes in Queens?
In Queens, NY, it is possible to incur penalties for early withdrawal from the cash value. The penalties vary by financial institution, but typically consist of surrender charges and reduced interest. It is advised to contact a local financial broker or banking institution to discuss the terms of an early cash value withdrawal. Some financial institutions may waive penalties depending on the situation, but this is not always the case. It is important to consider any fees that may be imposed before making any decision.
With a variable life insurance policy Queens, can I decide where my premiums are invested?
Yes, you can choose where your premiums are invested with variable life insurance in Queens, NY. In fact, with variable life insurance you have a broad array of investment options available including stocks, bonds, mutual funds, and other securities. You're able to customize your portfolio investments to suit your individual financial goals, and many policies permit a high degree of flexibility in both the amounts and types of investments. With variable life insurance, you can not only protect your family's future but also take advantage of the opportunity to build more assets for your retirement in Queens.
How often can I modify my investments in variable life insurance near Queens?
With variable life insurance investments in Queens, NY, you can change your choices as often as monthly, quarterly, semi-annually, or annually depending on what works best for you. For example, if market conditions and individual investments fluctuate regularly, then you could consider making more frequent changes. On the other hand, if you prefer to have less frequent decisions, you can set up an automatic investment plan to reallocate your funds within specific ranges. Ultimately, it's up to you how often you feel comfortable making changes.
What are the surrender fees for a variable life insurance quote Queens?
Surrender charges for variable life insurance in Queens, NY, can vary from insurer to insurer and from policy to policy. The amount of a surrender charge is typically based on the original premium paid for the policy, its length, and the account’s current value. When contemplating the surrender of a variable life insurance policy in Queens, an individual should consult their policy documents as well as contact the insurer to determine the exact fees and amounts of the surrender charges associated with their policy.
Yes, age restrictions do apply when purchasing variable life insurance in Queens, NY. Generally speaking, applicants must be between the ages of 18 and 75 in order to be considered for coverage. It is important to note that due to state restrictions, some carriers may only allow applicants between the ages of 21 and 70 to apply. Additionally, applicants must be permanent residents of the US in order to be considered for coverage. Ultimately, meeting the age and residency requirements is essential in order to purchase variable life insurance in Queens, NY.
Do variable life insurance policies near Queens provide guarantees on returns?
Variable life insurance is a type of permanent life insurance specifically designed for individuals in Queens, NY who value cash value investment opportunities and potential for death benefit protection. Variable life insurance investments do not guarantee returns, but they do allow investors in Queens to potentially earn a long-term return on premium payments through the associated sub-accounts. The triumphs and upsides associated with this type of investment far exceed any potential losses, creating a feasible financial option for those desiring to maximize their future returns.
Does all variable life insurance in Queens offer the same investments?
No, not all variable life insurance policies offer the same investment options, and the availability of options may vary based on geographic location. In Queens, NY, some policies provide a wide range of investment options, including but not limited to stocks, bonds, mutual funds, exchange-traded funds, and even real estate investments. Furthermore, certain policies provide access to a range of ageand need-specific investment options, such as funds designated for college savings or retirement income. Ultimately, selecting the right plan depends on evaluating the options available with each provider.
Is my Queens variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance that is available for purchase in Queens, NY. It provides a death benefit and cash benefits that can be used for investments, and death benefits can be adjusted as you see fit. Variable life insurance is beneficial for Queens, NY residents who need a flexible policy that can change with the markets and their own families’ needs. The policy can also provide tax benefits and allows for flexible premium payments, meaning you can save more over a longer period of time.
Does my Queens variable life insurance company offer a grace period for premium payments?
In Queens, NY, customers should contact their individual insurance provider to determine if they offer a grace period for premium payments on their variable life insurance. It is important to keep in mind that delays to premium payments could cause the policy to lapse and the customer to lose all of the benefits associated with the plan. Depending on the provider, an extension or a grace period can be requested, so be sure to contact the insurance provider to explore all of the options.
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