Compare over 37 Variable Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Waltham, 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 Waltham, 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 Waltham, MA.
Frequent Questions...
Waltham, MA residents who wish to invest in their future and provide long-term financial security for their family should consider purchasing variable life insurance. This type of insurance offers a benefit to the recipient when the policyholder dies, but it also allows the policyholder to invest a portion of the premium and build cash values that can be used to supplement retirement income, cover long-term expenses, or provide financial protection from the unexpected.
Can I cancel my policy after getting variable life insurance quotes in Waltham?
In Waltham, MA, cancellation of a variable life insurance policy is a possibility. Depending on the company, an individual may forfeit some or all of their premiums, but this should be discussed with the provider. Therefore, if you have a variable life insurance policy and live in Waltham, MA, it's recommended to reach out to the provider to assess the available options for cancellation. Usually, the process is quite simple, but to make sure you understand all the factors, it's important to seek advice from the provider.
How does the cash value work for a variable life insurance policy Waltham?
In Waltham, MA, the cash value component of variable life insurance works by providing the policyholder with access to potential cash value from their policy, which they can utilize for long term needs (e.g. retirement expenses) or short-term needs (e.g. medical bills) in a way that is both secure and tax-advantaged. Over time, the cash value grows and earns a return based on the performance of the investments within the variable life insurance policy.
What fees are there with variable life insurance near Waltham?
The fee associated with variable life insurance in Waltham, MA will depend on the individual plan and provider. Generally, the cost of premiums, including fees associated with management and administration, will be based on the amount of insurance chosen and other factors such as health and age. Additionally, fees such as mortality and expense charges, contract maintenace costs, and rider fees may be applied. It is important to research to find the best coverage for your individual needs. To learn more about the specifics of variable life insurance fees in Waltham, MA, contact a local representative for more information.
How does a variable life insurance quote Waltham handle dividends?
In Waltham, Massachusetts, dividends from variable life insurance policies are treated as a return of premium payments. Depending on the specific policy, dividends may be used as a source of income, to buy additional life insurance or to increase the cash value of the policy's death benefit. An insured can choose how to use their dividends, but most people use them to reduce premiums, take tax-free loans, or get an income payment. It's important to remember that dividend payment amounts and frequency depend on the company's profitability and financial performance from year to year.
Variable life insurance in Waltham, MA may not be the best choice for short-term coverage needs because the policy values can fluctuate with the stock markets, meaning any cash value you build up could diminish over the course of the term. A better option for short-term coverage in the area is a term life insurance policy, as there is no risk of the policy value dropping and, depending on the term length and other plan features, it is usually more cost-effective than variable life insurance.
Can I direct specific investment strategies for variable life insurance policies near Waltham?
In Waltham, MA, policyholders who are familiar with investing may determine their own investment strategies for cash value within the confines of the policy. However, most policies do not allow the policyholder to directly invest the cash value. Instead, the policyholder has the ability to choose from the investment options offered by the insurance company and adjust asset allocations according to preset limits. Ultimately, policyholders should consult with an advisor to understand their policy-specific options before making any decisions.
How can I monitor performance of my variable life insurance in Waltham?
By utilizing a financial advisor in Waltham, MA, you can effectively track the investment performance of your variable life insurance. A financial advisor can help you establish clear objectives, review your portfolio on a regular basis and adjust the investments to correspond with your individual goals. They can keep you informed with timely investment performance updates and can proactively and timely suggest any course corrections that may be required in order to reach your desired investment performance goals. Working with a financial advisor who is knowledgeable about your individual circumstances is a great way to stay up-to-date with your investment performance.
Is the cash value in my Waltham variable life insurance policy safe from creditors?
In Waltham, MA and throughout the United States, the cash value associated with variable life insurance policies is usually protected from creditors, provided certain criteria or guidelines are met. Specifically, per the terms and conditions outlined in the insurance policy, cash value can often be protected from creditors if it is established that the policy and proceeds are intended for the policy ownerβs own benefit or for his or her dependents.
Can I convert from term life insurance with a Waltham variable life insurance company?
In Waltham, MA, policyholders have the option to convert their term life insurance policy to a variable life insurance policy. This type of conversion generally involves a one-time payment to the insurance company, after which you will have a variable life insurance policy. Variable life insurance policies typically offer policyholders more flexibility in terms of policy customization, but they may also come with more risk as the premium and death benefit values are dependent on the performance of the sub-account investments.
Compare Waltham, 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