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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 Westwood, NJ Variable Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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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"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.
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With PolicyHub getting started is easy. Compare all the Variable Life Insurance rates from all the providers in Westwood, NJ. 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 Westwood, NJ.
Frequent Questions...
For those residing in Westwood, NJ, a variable life insurance policy includes coverage of life and accidental death benefits, and can be customized to include a variety of options including a pre-determined lump sum cash payment to beneficiaries, or a permanent payment option with the death benefit staying level throughout the life of policy. Additionally, some policies offer the opportunity to invest a portion of premium payments into different investment options tailored to an individual's unique needs and goals for retirement, estate planning, or even college/education savings.
Can I use my variable life insurance quotes in Westwood as collateral?
It is possible to use variable life insurance as collateral for a loan in Westwood, NJ. The specifics will vary depending on the loan type and bank you're working with, but generally speaking, you can use the cash value built up in the variable life insurance policy as a type of collateral. Our team of insurance experts in Westwood is available to help you evaluate your policy and determine whether it can be used as loan collateral. We can also discuss the risks and potential rewards of this type of loan and make sure that it is the right solution for you.
What potential risks are there with a variable life insurance policy Westwood?
With variable life insurance, policyholders in Westwood, NJ are exposed to the risks associated with stock markets and investment decisions. Specifically, the policy performance is dependent on the performance of the investment sub-accounts that the policyholder chooses, so if investments perform poorly the cash value and death benefits can be significantly diminished. The policyholder also runs the risk of losing all or a portion of their premiums as a result of the volatility of the market and poor investment decisions.
Do I need to understand investments for variable life insurance near Westwood?
No, you don't need to be an investment expert to purchase variable life insurance in Westwood, NJ. Many of the decisions involved in selecting the right policy and benefits for your individual situation can be made with the help of a qualified and experienced life insurance professional, so having an understanding of the investment side of variable life insurance is not a prerequisite for purchasing a policy.
What happens if my variable life insurance quote Westwood underperforms?
If your chosen investments perform poorly, you should consider consulting with a financial advisor in Westwood, NJ. They will be able to review your portfolio and make the appropriate changes based on your investment objectives and risk tolerance to ensure that your investments are appropriately diversified. They may also suggest different vehicle strategy such as dollar-cost averaging, tax loss harvesting, or a combination of ETFs and actively managed funds to help increase your potential return on investment. With a personalized plan tailored towards your financial future, you can ensure that your money is working hard for you.
Westwood, NJ residents can benefit from a variable life insurance policy for numerous reasons. Variable life insurance offers tax-deferred savings and flexible premium payments, making it an excellent tool for those wanting to save for retirement or provide financial security for their families. Additionally, policyholders can benefit from the potential to enjoy investment growth, with no investment limit, and to access the cash value of the policy at any time for any purpose, such as college tuition or home repairs.
Do variable life insurance policies near Westwood provide guarantees on returns?
Westwood, NJ customers can rest assured that variable life insurance offers extremely competitive guarantees on investment returns. This type of policy offers a variety of options for those looking to secure their financial future. Unlike other forms of coverage, variable life insurance is designed to provide guaranteed returns through a combo of life insurance death benefits, annuities, and separate account options. Policyholders within Westwood, NJ can benefit from additional tax protection with a variable life insurance policy, as earnings are currently taxed at a lower rate. In conclusion, variable life insurance offers numerous advantages and a level of security that cannot be matched.
Does all variable life insurance in Westwood offer the same investments?
No, not all variable life insurance policies offer the same investment options. Every policy is unique and tailored to the specific needs of the policyholder. Westwood, New Jersey residents have the option of selecting from a variety of variable life insurance policies tailored to their individual needs. Some of the investment options available to Westwood residents from their variable life insurance policies might include stocks, bonds, mutual funds, and annuities. Ultimately, the investment options available will depend on the specific policy selected.
How liquid is the cash value of my Westwood variable life insurance policy?
The cash value of a variable life insurance policy can vary depending on the area in which you live. If you live in Westwood, NJ, you can generally expect to receive a liquid cash value. The insurance provider and the current economic trends in Westwood will have an impact on the cash value. Typically, independent financial advisors and knowledgeable agents in Westwood can provide advice and guidance on the value of a variable life insurance policy. With help from professionals, you can create a strategy that works best for you and your financial goals.
How do loans affect death benefits with my Westwood variable life insurance company?
Policy loans from variable life insurance can impact the death benefit of Westwood, NJ residents in a few different ways. Firstly, the beneficiary of the policy loan will be required to repay the loan before the death benefit is paid out. Additionally, the beneficiary may face a reduced death benefit if the loan is repaid with interest, and they may face an even greater reduction if the loan isn't repaid. Lastly, any outstanding interest on the loan at the time of the insured's death will be deducted from the death benefit.
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