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With PolicyHub you get to compare over 37 Matthews, NC Term Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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 Matthews, NC.
Frequent Questions...
Matthews, NC offers many great benefits to those considering purchasing term life insurance. Term life insurance is often the most economical and simple way to provide immediate protection for you and your family in the event of an untimely death. Life insurance can help protect your family from the financial worries that could come from covering costs such as medical bills, funeral expenses, mortgages, or even providing that children can attend college. Term life insurance offers the most affordable coverage with the security of knowing that it will remain in place for a specific period of time.
Comparing term life insurance quotes in Matthews with whole life: What's the difference?
The primary difference between term and whole life insurance is the length of time the coverage is in effect. Term life insurance is typically for a set period of time, such as 10, 20, or 30 years, while a whole life policy is in effect for the life of the policyholder. For Matthews, NC residents condsidering insurance coverage, this could mean that if you purchase a 10-year term policy and die in the 12th year, your beneficiaries would not receive the death benefit. With whole life insurance, the coverage is in effect for the policyholder’s entire life.
Are there age limits for a term life insurance policy Matthews?
In Matthews, NC the age restrictions for buying term life insurance vary, depending on the insurance provider and the type of term life insurance policy you choose for your needs. Generally speaking, the minimum age to purchase term life insurance is 18 years old, and the maximum age range may be up to 85 years old. It's important to check with your local insurance provider to discuss their specific age restrictions when considering purchasing a term life insurance policy. To find the best term life insurance policy for your situation it is also important to compare quotes from several providers to find the coverage that best matches your needs.
Are there discounts on term life insurance near Matthews?
Yes! Depending on your age, health, and other personal factors, residents of Matthews, NC may be able to lower their term life insurance premiums. Shopping around to find multiple quotes can help you identify better rates. Be sure to research a variety of companies in the area to find the best deal. Additionally, utilizing a healthy lifestyle like exercising, quitting smoking, and eating healthy can qualify you for further discounts. It's important to remember that the best policy for you is not always the cheapest. Be sure to look for a policy that will provide adequate coverage for your needs.
Can smokers get a term life insurance quote Matthews?
Although smoking can make it more difficult to find a good term life insurance policy in Matthews, NC, it is still possible to get coverage. Companies like Beasely, Alexander & Horne Insurance Agency are willing to review your personal information and take into account your history and circumstances to find the best term life insurance policy for you. They understand that a one-size-fits-all approach isn't always right for everybody so they will provide you with the individualized care and attention that you need to find the ideal policy for your individual needs.
If your beneficiary passes away before you, some financial institutions in Matthews, NC require that you update your beneficiary in order to ensure the posthumous payment is distributed to the right person as per your wishes. In this instance, you must provide a death certificate to the financial institution as proof of your beneficiary's passing. It's important to ensure your updated beneficiary is up-to-date to ensure timely access to funds by the right person under the right circumstances. In other instances, your beneficiary's estate will be the recipient of the payment.
How quickly are benefits paid out with term life insurance policies near Matthews?
The exact time it takes to receive a payout in Matthews, NC largely depends on the payment method you chose when you requested the funds. Generally, if you select ACH as your payment option, it may take up to 3 business days from the date the payout was processed. If you opted for debit card, you can expect to receive the funds between 1 and 2 business days. Paypal Payouts can take up to 5 business days and wire transfers usually arrive within 1 working day. Please bear in mind that funds requested during a weekend may take longer to be processed.
What's a return of premium rider in term life insurance in Matthews?
A return of premium rider is an insurance option offered by some insurance companies that allows you to insure yourself against death, and upon expiration of the term you will receive all of the premiums from the policy. In Matthews, NC, this is a great way to make sure that if you have to make substantial life insurance payments for a long period of time and don't end up passing away before it expires, you will at least receive the money you have paid into the policy back in the form of a return of premium.
How does a Matthews term life insurance policy differ from AD&D?
Term life insurance is designed to provide coverage for a specific period of time, while AD&D is a policy intended to provide additional coverage for accidental death and dismemberment in addition to any life insurance policies a person may already hold. In Matthews, NC, term life insurance plans can vary, but are typically used to provide protection in the event of an unexpected loss of income generated by the policyholder's death. AD&D, on the other hand, typically provides a death benefit if the policyholder dies as a result of an accident, or is dismembered from an accident.
What's the 'free look' period with a Matthews term life insurance company?
A free look period in term life insurance is a period of time after purchasing the policy during which a policyholder in Matthews, NC is able to review the policy and decide whether or not to keep it. During the free look period, if the policyholder changes his or her mind about the policy and decides to cancel, the insurer must refund any premium payments made without any deduction and void the policy. In Matthews, NC, the free look period is usually at least 10 days from the date the policy is issued.
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