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Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Golden Valley, MN Term 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.
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Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"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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Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
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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"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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Term Life Insurance rates from all the providers in Golden Valley, MN. Get started in under 15 minutes.
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 Golden Valley, MN.
Frequent Questions...
Golden Valley, MN offers many different types of life insurance, each with different advantages and features. One major difference is the cost; Golden Valley life insurance is often more affordable than other life insurance plans. Additionally, many of the plans cover a range of services, such as free consultation services and health screenings, which other types of life insurance may not offer. While each plan will vary slightly, the policies often make it easier to access vital resources quickly in the event of death or disability.
Comparing term life insurance quotes in Golden Valley with whole life: What's the difference?
In Golden Valley, MN, the main difference between term and whole life insurance is, short-term coverage is typically lower in cost but also provides temporary coverage; often up to 30 years. Whereas, whole life insurance is more expensive but offers lifelong protection and comes with a cash value component that can offer the policyholder benefits, like access to tax-deferred savings and loan options. Term policies provide coverage only when the holder is alive, whereas whole life pays out in the event of death.
Are there age limits for a term life insurance policy Golden Valley?
In Golden Valley, MN, there are no hard age restrictions for purchasing term life insurance. Generally, the younger you are when applying for term life insurance, the lower your rates will be. It is typically available for people ages 18 to 80, depending on the insurance company. Those who are over 80 may have the option of purchasing a final expense policy or another type of life insurance. No matter your age, make sure to do your research and compare different policies and insurance companies before making any decisions.
How do term life insurance near Golden Valley calculate term life premiums?
The premium for term life insurance in Golden Valley, MN is calculated based on several factors, including the age of the policyholder, their health profile, and the amount of coverage. Life insurance companies generally use a standard set of guidelines to assess risk, so rates generally remain consistent across providers. Additional information including the policyholder’s occupation, smoking status, and lifestyle choices can also affect rates. Rates may also be discounted based on several other factors, such as good health or maintaining a good driving record.
Does a term life insurance quote Golden Valley cover deaths from extreme sports?
Term life insurance in Golden Valley, MN, does not cover deaths resulting from extreme sports or dangerous activities. Instead, it offers financial protection to a policyholder's family in the event of their death due to an illness or accident. It pays out a lump sum to the survivors in the event of the policyholder's untimely demise without regards the cause of death. People engaging in dangerous activities, such as extreme sports, should consider supplemental life insurance policies that might be tailored more precisely with the specific risks in question.
In Golden Valley, MN, a secondary beneficiary plays a supporting role within an estate plan. This lawsuit-protected role allows the secondary beneficiary to receive assets if the primary beneficiary has either passed away or is otherwise unable to complete legal obligations. Additionally, the secondary beneficiary is also usually responsible for monitoring the assets and for distributing them among specified gives/operations as stated in the original estate plan. These responsibilities can involve investments, reviews of insurance policies, overseeing collection of rental fees, and/or ensuring assets are correctly distributed to the correct persons.
Can I convert my term life insurance policies near Golden Valley to permanent coverage?
Yes, individuals and families living in the Golden Valley area can convert their existing term life insurance to permanent coverage. Many local agencies provide a range of options when it comes to converting existing policies. For example, there is the option to convert all or part of a term life policy to whole life insurance which offers lifelong coverage and a cash accumulation value in addition to death benefits. There is also the possibility of converting your policy to a variable universal life, which provides permanent coverage with the ability to select investment funds in which your policy will be invested.
What riders are available for term life insurance in Golden Valley?
In Golden Valley, MN, there are many additional riders that you can add to your term life insurance policy to provide extra coverage in times of need. Common riders are waiver of premium (which waives the cost of the policy during periods of disability), accidental death (which pays a higher death benefit if death is due to an accident) and children’s term (which provides coverage for any of your children). Depending on your insurance carrier, you may also be able to include riders such as maternity or long-term care benefits.
How does a Golden Valley term life insurance policy differ from AD&D?
In Golden Valley, MN, a term life insurance policy offers a predetermined amount of life insurance coverage for a specific period of time, typically ranging from 10-30 years. On the other hand, AD&D (Accidental Death & Dismemberment) Insurance offers financial protection to policyholders, as well as their families, in the event of an accident leading to death or injury. This type of insurance is usually bought as a supplement to a health or life insurance policy to gain added security or as a stand-alone policy.
How can I compare quotes with a Golden Valley term life insurance company?
Comparing term life insurance quotes in Golden Valley, MN is easy! There are several online services dedicated to making the comparison process simpler, faster, and more cost-effective. All you need to do is provide some basic information regarding the type of life insurance you're looking for, the death benefit and coverage period you need, and the amount of premiums you're prepared to pay. Once you've filled out the form, the online service will compare the plans offered by various life insurance companies and display the quotes side-by-side.
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