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"I was totally lost trying to find the right Term 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 Term 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
Term 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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All your Term Life Insurance needs in one place.
Term life insurance is a type of life insurance that provides coverage for a specific period of time or "term". If the policyholder dies within the term, the death benefit will be paid out to the beneficiaries. However, if the policyholder outlives the term, the policy will either end or renew for a new term. It's typically less expensive than permanent life insurance.
Level term life insurance offers steady premium payments and death benefits throughout the policy term, ideal for those desiring long-term financial stability. Decreasing term life insurance, with a gradually reducing death benefit but consistent premiums, suits individuals with decreasing financial responsibilities over time.
Increasing term life insurance provides a rising death benefit while keeping premiums typically constant, appropriate for those foreseeing growing financial needs. Renewable term life insurance allows for policy extension after the term expires without a new health exam, suitable for those expecting prolonged need for coverage, albeit with potentially higher premiums.
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Real PolicyHub testimonials...
"I knew I needed Term 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 Term Life Insurance agent.
Roy Stephens
term life insurance agent
Roy Stephens is a licensed term life insurance agent licensed in your state.
Mark Sidway
term life insurance agent
Mark Sidway is a licensed term life insurance agent licensed in your state.
Cale Reeves
term life insurance agent
Cale Reeves is a licensed term life insurance agent licensed in your state.
"I was searching for Term 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 Term Life Insurance in Santa Monica, CA.
Frequent Questions...
The primary purpose of term life insurance in Santa Monica, California, is to provide financial protection for covered individuals and their families in the event of death. A term life insurance policy helps to ensure that deceased individuals' families are not overwhelmed by the financial burden of covering funeral costs and other obligations after the policyholder's passing. This type of coverage also helps to ensures that the survivors receive a lump-sum payment that can provide financial stability in the time of unexpected loss.
Comparing term life insurance quotes in Santa Monica with whole life: What's the difference?
In Santa Monica, CA, the main difference between term and whole life insurance is the duration of the coverage provided and the cost associated with each policy. Term life insurance is less expensive than whole life insurance and provides coverage for a specified length of time, commonly 10, 20 or 30 years depending on coverage amount and the insurer. Whole life insurance offers lifetime coverage that locks in a guaranteed rate and the policy can build a cash value over time. Benefits of investing in a whole life insurance policy can include borrowing from policy funds to pay for college or large expenses.
With a term life insurance policy Santa Monica, can I adjust my coverage mid-term?
Yes, in Santa Monica, California it is possible to change the amount of coverage during the term. You would need to contact your insurance provider to discuss your individual needs and review your current coverage. They can work with you to identify changes that will best align with the coverage you require. The insurance company may need to assess the wording of your policy and possibly add or amend some clauses to fit your specific needs. The insurer can also provide advice on the scope of any coverage adjustments.
How do term life insurance near Santa Monica calculate term life premiums?
The premium for term life insurance in Santa Monica, CA is typically calculated based on certain factors like your age, health, lifestyle, and the amount of coverage desired. Most insurance providers in Santa Monica will also consider any existing financial liabilities and job risk. Generally, the lower the risk, the lower the premium rate. Many providers offer discounts for special circumstances such as good health and financial stability, so it is important to shop around and compare rates to get the best premium for your specific situation.
Can smokers get a term life insurance quote Santa Monica?
Yes, you can get term life insurance as a smoker in Santa Monica, CA. Although having a smoking habit may cause your rates to increase, insurance providers in California may still provide a level of coverage dependent on your individual case. Working with a professional life insurance broker in Santa Monica can be beneficial in finding a policy that fits your individual needs best with a wide network of multiple carriers and competitive rates. An expert can ensure you are offered exactly the protection you need and that the policy you choose is structured the most cost-effective way.
To nominate a beneficiary for your term life insurance in Santa Monica, CA, contact your insurance provider for details on how to submit your request. Generally, you will need to provide the full name, date of birth and Social Security number of your beneficiary. Once your provider has all the required information, you can write a letter of intent, or provide a form that identifies the beneficiary, and then submit your request. If you have any questions or need help completing the necessary paperwork, your insurance provider should be able to help you.
How quickly are benefits paid out with term life insurance policies near Santa Monica?
The amount of time it takes for a beneficiary to receive a payout in Santa Monica, CA will vary depending on the specific entity a beneficiary is dealing with. Generally, payments should take no longer than a few business days for personal checks to be received, while electronic transfers may take up to 5 days or more to show up in the beneficiaries' bank accounts. During periods of high volume, a beneficiary may experience slightly longer processing times due to increased demand for services.
What's a return of premium rider in term life insurance in Santa Monica?
A return of premium rider in Santa Monica, CA is a type of insurance policy add-on that returns a portion of your annual premium to you if you remain insured until the end of the policy's term. This rider can provide security for policyholders, who may have their premiums returned based on the policy's conditions, typically if no claims are made during the insurance's timeframe. In addition to this security for customers, the rider also offers the potential to recoup some of the money they've invested into the policy.
Can I get a Santa Monica term life insurance policy for my family?
Yes, you can purchase term life insurance for your family members in Santa Monica, CA. Term policies provide coverage for a fixed period of time, often 10, 20, or 30 years, and allow policyholders to receive coverage benefits upon the death of the insured member. In Santa Monica there are a number of different insurance providers who offer family term life insurance policies. Working with an independent insurance agent to comparison shop is a great way to go about finding the best policy to fit your family's needs. You can also educate yourself by researching online and speak to family members to get their advice.
What's the 'free look' period with a Santa Monica term life insurance company?
A free look period in term life insurance is a set period of time during which a policyholder in Santa Monica, CA can review their life insurance policy and decide whether or not they would like to continue with it. During this period, they can terminate the policy, without any penalty, and receive a full refund of any premium payments made. Typically, the free look period lasts between 10 and 30 days, and the policyholder can take advantage of this period immediately after they sign up for the policy.
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