Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Swampscott, MA 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 Swampscott, MA. 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 Swampscott, MA.
Frequent Questions...
Yes, the premiums for variable life insurance in Swampscott, MA may be fixed. This type of insurance, which is a type of whole life policy, provides a death benefit while also accumulating a cash value that can be used to pay future premiums or withdrawn for other uses, such as retirement savings. Premiums paid into the policy may remain the same for a fixed number of years, regardless of changes in the stock market. Variable life insurance provides flexibility and can meet a variety of financial goals.
Do variable life insurance quotes in Swampscott come with a cash surrender value?
Yes, variable life insurance policies in Swampscott, MA typically have cash surrender values after a certain period of time. This means a policyholder can surrender or cancel their policy at any time and receive any accumulated cash value associated with it. However, it's important to note that the cash surrender value amount may be less than what was initially paid in total premiums. Additionally, depending on the type of variable life insurance policy, there may be surrender charges assessed against the cash value when the policy is surrendered.
With a variable life insurance policy Swampscott, can I decide where my premiums are invested?
If you live in Swampscott, MA and are considering a variable life insurance policy, you can select where your premiums are invested and manage them through a range of financial options. With variable life insurance, the insurer sets up an account with some investments chosen from a pre-selected list. You can manage and adjust the investments within that set of options, allowing you to have control over your investment decisions while still having the life insurance protection and tax advantages.
What fees are there with variable life insurance near Swampscott?
The fees associated with variable life insurance in Swampscott, MA will vary depending on the provider and the specific policy chosen. Factors that determine these fees will include the type and coverage options of the policy, the insurance company, the nature of the premiums, and the specifics of the investment account. Some companies will charge an annual fee for the policy itself, and/or administration fees related to the account and the payment of premiums. You should investigate the specific fees for the types of policy and provider you are thinking of engaging with to ensure you are getting the best possible deal.
How does a variable life insurance quote Swampscott handle dividends?
In Swampscott, MA, dividends from variable life insurance are treated as returns on a policyholder's investments in the insurance company's investment subaccounts. When an insurance company earns a surplus, dividends may be paid out to the policyholder. These dividends can be used to reimburse policyholders for their premiums, to buy additional coverage, or to pay out the cash value of the policy. Dividends are not guaranteed, and their amount varies depending on the insurance company's performance.
Yes, depending on the insurance provider, there are age restrictions for purchasing variable life insurance in Swampscott, MA. Generally, you will need to be between the ages of 18 and 70 to qualify for such a policy. However, some companies may have tighter parameters or different cutoff points for entry. When searching for a life insurance policy in Swampscott, MA, it is important to check the specific age requirements listed by the individual provider.
Can I direct specific investment strategies for variable life insurance policies near Swampscott?
The policyholder in Swampscott, MA can make customized changes to their insurance policy as long as they are approved by the insurance company and the customer's goals are considered. The policyholder can opt to direct a portion of the cash value into an investment option chosen by the customer. This allows the customer to have more control and a greater influence on their investment strategies and provides the flexibility needed in adjusting their plan over time. It also offers access to a variety of investment options, including stocks, mutual funds, CDs, ETFs, and other options.
Can I change investment options for variable life insurance in Swampscott without tax effects?
Residents of Swampscott, MA can generally switch between investment options without tax implications, depending on their individual financial situation. However, this could be subject to taxation depending on the type of investments. To know exactly what is applicable for your unique circumstances, it is recommended to seek professional advice from a qualified tax preparer or financial advisor in the area.
Is my Swampscott variable life insurance policy considered permanent life insurance?
Variable life insurance is a type of permanent life insurance offered in Swampscott, MA with economic benefits and flexibility not found in other policies. Itβs designed to provide flexibility in terms of policy length, premium payment options, and investment options. With variable life insurance, you can invest some of your premiums in a variety of asset classes, such as stocks, bonds, mutual funds, and more, allowing you to potentially reap higher returns than a typical fixed-term policy.
Do I get dividends from my Swampscott variable life insurance company?
The terms of variable life insurance vary depending on which specific provider you select, but in general you may receive dividends from the investments within your variable life insurance if your policy is eligible to participate in dividend distributions. Typically, dividend rates are determined based on the performance of the underlying investments in your policy. In utilizing a financial advisor in Swampscott, MA, you'll be able to review the terms and conditions of your particular policy, determine which dividends your investments may be able to receive, and determine how to best take advantage of them.
Compare Swampscott, MA 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