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Compare over 37 Whole Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Des Moines, WA Whole 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.
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 Whole 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.
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Step 2
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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 Whole 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
Whole 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 Whole Life Insurance rates from all the providers in Des Moines, WA. Get started in under 15 minutes.
All your Whole Life Insurance needs in one place.
Looking for whole life insurance? We've got you covered. PolicyHub makes it easy to find the best whole life insurance policy for you and your family. Whether you need traditional, single-premium, limited-payment, or variable whole life insurance, you'll find the best rates right here at PolicyHub.
Traditional whole life insurance provides a guaranteed death benefit, fixed premiums and a cash value component that grows over time. It's ideal for those seeking lifelong coverage with consistent payments. Single-premium whole life insurance requires a lump-sum payment upfront in exchange for a guaranteed death benefit. This policy suits those who have a large sum of money they wish to convert into a life insurance policy quickly.
Limited-payment whole life insurance allows policyholders to pay off their policy over a set period of time, after which no further premiums are due, but the coverage continues for life. Variable whole life insurance offers a death benefit and a cash value component that can be invested in sub-accounts, similar to mutual funds. This policy is suitable for those comfortable with investment risk, seeking potential for cash value growth.
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Real PolicyHub testimonials...
"I knew I needed Whole 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 Whole Life Insurance agent.
Roy Stephens
Whole life insurance agent
Roy Stephens is a whole life insurance agent licensed in your state.
Mark Sidway
Whole life insurance agent
Mark Sidway is a whole life insurance agent licensed in your state.
Cale Reeves
Whole life insurance agent
Cale Reeves is a whole life insurance agent licensed in your state.
"I was searching for Whole 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 Whole Life Insurance in Des Moines, WA.
Frequent Questions...
There are many reasons why Des Moines, WA residents should consider whole life insurance. First, it can provide lifelong security and protection from unexpected expenses, including final expenses. Whole life insurance also builds cash value over time, allowing families to use the accumulated funds for a variety of needs. Additionally, such policies often offer attractive tax benefits, and permanent coverage typically guarantees the same premiums for life. Whole life insurance can be tailored to match each individual's budget and provide coverage when it is most needed. Lastly, it can provide peace of mind knowing that loved ones will be financially secure should something unexpected happen.
Do whole life insurance companies in Des Moines cover suicide?
No, suicide is not covered in whole life insurance policies in Des Moines, Washington. This is because whole life insurance policies are designed to offer a death benefit to heirs and beneficiaries in the event of a policyholder's passing, while suicide is not seen as a death benefit. In most cases, a clause will be included in the policy to clarify that a suicide will actually void the policy. This means that regardless of whether the policyholder lives in Des Moines, Washington or anywhere else, the assurance of benefit payment is not available in the case of suicide.
How do my age and health impact my whole life insurance policy Des Moines?
In Des Moines, Washington, age and health may both have an impact on the rates of whole life insurance. As a person ages, it is more likely that they may accumulate more health problems or ailments that could require more coverage. Additionally, with age comes more life experience, and so a company may take this into account when determining the rate, potentially increasing the rate to reflect the increased risk. Generally speaking, good health and young age have a positive effect on the rates for whole life insurance, while poor health and advanced age could lead to higher premiums.
Is it possible to convert my term policy to whole life insurance near Des Moines?
Yes, you certainly can upgrade your term policy to a whole life insurance policy in Des Moines, WA. Whole life insurance policies provide more long-term benefits that a term policy and can remain in effect as long as you continue to make premium payments and are not subject to the shorter term limits of a term policy. Life Insurance Center of Puget Sound in Des Moines specializes in helping customers find the best life insurance coverage to meet their needs. They'll be happy to assist you with your unique situation and help you determine the best policy for you and your family.
Can a whole life insurance company Des Moines enhance my policy with riders?
Yes, you can add riders to your whole life insurance policy if you are located in Des Moines, WA. Many life insurance companies offer customizable riders that you can use to personalize your policy. These riders might include additional coverage amounts, critical illness addition that pays out if you contract a specific disease, or a terminal illness addition that pays out if you are diagnosed with a terminal illness. You can speak with your life insurance company to learn more about the riders that are available to you.
The best way to maximize the cash value of whole life insurance in Des Moines, WA is to shop around. Comparing rates and benefits from various policy providers is the best way to find a comprehensive policy that works for you. Finding an agent in the area who is experienced in this field is key for obtain the best coverage at the lowest cost. You may also consider increasing the size of your policy or adjusting the type of provisions that come with it. It will help if you speak with an experienced local agent to discuss your options.
Is it possible to sell whole life insurance policies near Des Moines in the secondary market?
In Des Moines, WA, the answer to the question of whether you can sell your whole life policy in the secondary market is yes, you can. Here in Des Moines, you can work with a licensed broker to work out the details of the sale. Depending on the specifics of your policy, this could be a great option for you if you are looking to get immediate access to cash. Selling your policy in the secondary market takes some of the hassle out of the process and can make it a smoother, more efficient experience for you.
How can whole life insurance in Des Moines assist in estate planning?
Whole life insurance policies can play an integral role in estate planning for residents of Des Moines, WA. Not only do they provide a death benefit that can be used to cover estate-related costs like funeral bills, tax obligations, and debt, but they may also offer the policyholder a variety of potential living benefits, too. With a whole life policy, policyholders can access cash value over time at a guaranteed minimum rate, which can be used to support retirement planning or fund education expenses.
Can I remit premiums for a Des Moines whole life insurance policy on a monthly or annual basis?
Yes, in Des Moines, WA you can pay your whole life insurance premiums either monthly or yearly depending on your individual policy. In addition, some life insurance policies here allow policyholders the flexibility to select their premium payment intervals semiannually, quarterly or even in installments over smaller periods of time. So, if you need a more flexible payment solution, you should contact an insurance provider in Des Moines, WA to learn more about the options available so you can select the best way to pay your premiums.
Is there an age cap for availing Des Moines whole life insurance company?
In Des Moines, WA, there are age limits for purchasing whole life insurance. Most insurance companies will not issue life insurance policies to those over the age of 85 and they often have more stringent rules and increased premiums for those aged 60 85. The best option is to speak to an insurance agent to determine the exact age limits for your particular situation. Additionally, other age restrictions, such as needing a medical exam for those over the age of 75, may be applicable.
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