Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Uniondale, 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 Uniondale, 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 Uniondale, NY.
Frequent Questions...
A variable life insurance policy is a type of permanent life insurance policy designed to provide financial protection and tax advantages to policyholders in Uniondale, NY. The primary components of a variable life insurance policy include cash value, death benefit, and permitted investments. Cash value is the amount of money that accumulates in a policy over time, meeting the needs of policyholders for long-term tax-deferred savings. Death benefit is the payout that is provided to a policyholder's beneficiary in the event of the policyholder's death, allowing them to maintain financial stability.
Can I use my variable life insurance quotes in Uniondale as collateral?
Yes, you can use variable life insurance as collateral for a loan in Uniondale, NY. It is important to discuss with your lender the kind of insurance eligible for use as collateral as not all insurers may be accepted. Variable life insurance is a permanent life insurance policy that is tied to an investment account that contains variable investments, such as stocks, bonds, or mutual funds. When you use variable life insurance as collateral for a loan, the cash value of the policy serves as the collateral, which your lender can use to recover their funds if you default on the loan.
What potential risks are there with a variable life insurance policy Uniondale?
In Uniondale, NY, it is important to understand the potential risks associated with variable life insurance. Variable life insurance carries various investment risks, including the possibility of losing your entire principal balance if the stock market trends downward. Additionally, some variable life insurance policies come with policies that are more comprehensive than traditional life insurance plans, making them more complicated and difficult to negotiate. Finally, if you make withdrawals from your policy prior to death, you are subject to taxes and phone calls from insurance representatives. It is important to research deeply and ask questions before making any decisions regarding variable life insurance.
How often can I modify my investments in variable life insurance near Uniondale?
In Uniondale, NY, the frequency of changing your investment choices with variable life insurance depends on your particular insurance provider's policies. Generally, insurers allow policyholders to modify their investments at least once per year. However, some insurers may provide policies that grant policyholders more flexibility in changing their investments, such as quarterly or monthly. It is important to read the policy documents to check your particular situation. Additionally, insurance agents located in Uniondale, NY can provide detailed advice regarding how often you can adjust your variable life insurance investments.
Is there a minimum guaranteed return with a variable life insurance quote Uniondale?
Variable life insurance offers the potential of returns above the minimum guaranteed in Uniondale, NY. This type of policy can provide better returns than fixed policies due to its investment component. While the policy does offer the potential for greater returns, you should be aware of the associated risks. Market volatility and other conditions can impact the return of your investment. Ultimately, it is important to understand the full spectrum of potential outcomes in order to make the best decision for your goals in Uniondale, NY.
In Uniondale, NY, the primary benefits of variable life insurance are the potential to provide flexible, long-term life insurance coverage and the advantage of being able to invest a portion of the premiums in investments that offer potential for growth. Variable life insurance offers policyholders the ability to customize coverage and includes the potential for policy loan and cash value access, increasing their convenience and flexibility.
How does cash value growth influence death benefit with variable life insurance policies near Uniondale?
The death benefit in Uniondale, NY is not impacted directly by the cash value growth of variable life insurance. However, the cash value in the policy will increase over time due to the performance of the underlying investments, and these increases in cash value can be used to pay premiums. In fact, in Uniondale, NY, cash value growth could be high enough to offset premium payments, thus reducing the financial burden associated with life insurance payments. That said, the death benefit is ultimately determined by the contract and will remain unchanged regardless of the fluctuations in the performance of the underlying investments.
Does all variable life insurance in Uniondale offer the same investments?
Not all variable life insurance policies offer the same investment options. The investment options available to policyholders in the Uniondale, NY area depend on the specific provider and the type of policy they have chosen. Depending on the provider, some policies may offer more potential for growth or more ways to diversify investments. It is important to review the investment options associated with the variable life insurance policy that you are considering. It is also highly advisable to consider other policies that may offer different potential investment opportunities and to seek the advice of a financial specialist.
Is the cash value in my Uniondale variable life insurance policy safe from creditors?
In Uniondale, NY, the cash value of variable life insurance is protected from creditors, as it is sheltered under state and federal law. This allows you to keep more of your money and assets safe from creditors and maintain financial security. Furthermore, the money won't be taxed until it is withdrawn from the policy, allowing you to get the most out of your money. Variable life insurance is an excellent way to secure your assets and provide peace of mind.
How do loans affect death benefits with my Uniondale variable life insurance company?
The impact of policy loans from variable life insurance on a death benefit for Uniondale, NY vary. Generally, if the policy loans are not repaid when the policyholder passes away, the death benefit may be reduced by the amount of the loan plus accrued interest. In some cases, the policyholder may be required to use other policy benefits to repay the policy loan. Ultimately, it is important to review your Uniondale, NY variable life insurance policy carefully to understand the full implications of any policy loans.
Compare Uniondale, 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