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With PolicyHub you get to compare over 37 Taylors, SC 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.
Save time and get the best Term Life Insurance policy with the cheapest rates. Guaranteed.
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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 Taylors, SC.
Frequent Questions...
Term life insurance is a type of life insurance that allows you to provide your family with financial protection for an agreed-upon period of time. If you live in Taylors, SC, purchasing term life insurance could offer your loved ones essential financial coverage in the unfortunate event of your death. Term life insurance costs less than permanent life insurance, while still providing your family with a death benefit if you pass away within the term period. This type of coverage could enable your family to pay for final expenses, such as funeral costs, while also assisting with any other debts that you may have had.
How do I switch from term life insurance quotes in Taylors to whole life?
At Taylor Financial Group, we understand that life insurance needs can change over time. If you reside in Taylors, SC and are looking to switch from term life insurance to whole life insurance, we offer several options for you to choose from. Our agents are knowledgeable in these types of policies and can help you decide which one is right for your current situation. They can also help you compare the different features and benefits included with each policy and determine which best fits your needs.
With a term life insurance policy Taylors, can I adjust my coverage mid-term?
At Taylors, SC, we recognize the changing needs of our clients and that coverage levels may need to be adjusted during the policy term. As long as the policy is active and in good standing, you may be able to make changes to your coverage. Please contact a customer service representative to discuss the availability of coverage changes. Once verified, we can assist you in adjusting coverages to ensure that you are kept correctly and adequately insured.
Can I get a premium refund if I cancel my term life insurance near Taylors?
Yes, it is possible to get a refund if you cancel your term life insurance in Taylors, SC. Generally, the length of coverage and age of policy holder will serve as two of the most important factors when determining the amount of refund you're entitled to receive. Interest, if applicable, is generally factored into the calculation as well. Depending on the company, you may receive a full or prorated refund at the time of cancellation. Be sure to contact your life insurance provider with questions about their specific refund policy.
What medical tests are required for a term life insurance quote Taylors?
In Taylors, SC, the specific life insurance tests that are required depend on the life insurance provider and the amount of coverage that the policyholder is requesting. Most life insurance policies require a medical examination, which can include a urine analysis, a blood pressure and heart-rate measurement, and blood or saliva tests. The insurer may also request other medical records, such as hospital records, x-rays, and lab results. Additionally, some insurers may require an applicant to complete an Interview/Paramedical Exam which evaluates the individual's lifestyle and health habits.
If your nominated beneficiary passes away before you in Taylors, SC, the beneficiary designation in your will or trust will determine what happens to your assets. Generally speaking, your assets will pass to your remaining beneficiaries, but you may want to consult with an attorney about the specifics of your situation. If there are no beneficiaries or your existing beneficiaries predecease you, then your assets will likely pass to your estate, and your estate will distribute your assets as per your instructions in your will.
Can I convert my term life insurance policies near Taylors to permanent coverage?
Yes, absolutely you can convert term life insurance into permanent coverage. At First Rate Insurance Agency in Taylors, SC, we offer a full portfolio of life insurance products that can give you the peace of mind knowing that your family is taken care of no matter what. With our permanent life insurance plans, you can enjoy level premiums for a lifetime, cash value buildup over time, and lower premiums due to extended coverage. Contact us today to learn more about our range of life insurance policies so you can ensure that your loved ones are financially secure.
What's a return of premium rider in term life insurance in Taylors?
A Return of Premium Rider is a policy add-on available to those living in Taylors, SC seeking life insurance coverage. This rider ensures any unused premiums paid across the lifetime of the policy are returned to the policy holder upon its expiration. This additional feature provides customers with peace of mind knowing that their financial commitment to life insurance coverage will not be wasted. Although there may be a small fee to add this rider to a policy, it could be an incredibly beneficial decision especially for those in Taylors, SC who have limited financial resources.
Should I only depend on a employer-provided Taylors term life insurance policy?
In Taylors, SC, while your employer-provided term life insurance may provide a sufficient level of protection for a person in your situation, it is generally recommended that you supplement this coverage with an individual policy. A term life policy from an independent provider has the potential to offer greater financial protection in the long-term, and may even be more cost effective than depending solely on employer-provided coverage. Additionally, individual policies are portable, meaning they will go with you if you change jobs or move to a different area.
What's the 'free look' period with a Taylors term life insurance company?
A 'free look' period in term life insurance is a set period of time in which a policyholder in Taylors, SC is able to review and understand their life insurance policy before they make a final commitment to it. During the free look period, potential policyholders can cancel the policy without having to pay any fees or other costs. This allows customers in Taylors, SC to make sure their policy meets their needs and expectations before they are committed to it for the duration of the term.
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