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Customized policies just for you.
Our team tailors policies to Dallas, TX residents, meaning optimal coverage at competitive rates.
"I was totally lost trying to find the right 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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Life insurance in Dallas, TX Done in 3 easy steps
Step 1
Tell us about yourself.
Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
Compare rates & plans with a pro.
Discuss your options with a licensed insurance agent. Compare different plans to find the best policy with the best rates.
Step 3
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"I lost hope trying to find a 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
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 5 minutes.
With PolicyHub getting started is easy. Compare all the rates from all the providers in Dallas, TX. Get started in under 5 minutes.
All your life insurance needs in one place.
Term Life Insurance
Term insurance provides coverage for a set period of time, and it's a cost-efficient way to get the maximum coverage. It's an excellent solution for folks who have a temporary need for coverage.
Whole Life Insurance
Whole life insurance is coverage that lasts your entire life. This type of insurance also has a cash value component that grows over time, offering potential for financial growth along with lifelong coverage.
Universal Life Insurance
Universal life insurance is flexible coverage that lets you adjust your premiums and death benefits as your circumstances change throughout life. This flexibility makes it a popular choice.
No-Medical-Exam Life Insurance
No-medical-exam life insurance allows you to dodge the medical examination usually required for life insurance policies. It's perfect for individuals who want a swift approval process or have health concerns.
"Highly HIGHLY recommend PolicyHub if you need life insurance. They saved me sooo much time and money on my policy, it's nuts. Comparing all the providers at once is a game changer."
Chris Stephens
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 in Dallas, TX.
Save time and get the best policy with the cheapest rates. Guaranteed.
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"I knew I needed 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
Frequent Questions...
Life insurance is designed to provide financial protection to policyholders and their loved ones in Dallas, TX. It can be used to cover funeral expenses, medical bills, and other unforeseen costs in the case of a policyholder's death. Life insurance policies are typically focused on providing long-term financial security and relief for a policyholder's family after their death. Life insurance is also an investment mechanism that can be used to build wealth over time, allowing a policyholder to plan for retirement and other major life expenses.
What are the common policy exclusions from life insurance companies in Dallas?
Common exclusions in life insurance policies in Dallas, TX, can vary, but some of the most common are suicide, self-inflicted injuries, criminal activities, pre-existing medical conditions, drug and alcohol abuse, and dangerous activities. Additionally, policies that don’t exclude these activities may have exclusions for international travel, hazardous sports, and military service. Generally, it's important to read the policy’s small print carefully in order to understand precisely what is, and what is not, included in the coverage.
What happens if I stop paying premiums on my life insurance policy Dallas?
If you stop paying your life insurance premiums in Dallas, TX your policy may lapse. If your policy lapses, you will no longer be protected from financial loss due to your death. Depending on the company, you may be given a grace period during which premiums can be paid to reinstate the policy, although that option will not always be available. If you are unable to reinstate the policy, you may be able to convert the policy to a paid-up policy and receive a reduced death benefit.
What's the cost of life insurance near Dallas?
The cost of life insurance in Dallas, TX varies depending on a few factors, such as age, network of doctors, income, and health. It's difficult to provide an exact cost without assessing these factors, however the average cost in Dallas is around $28 per month for someone in their late 30s and $152 per month for someone in their late 50s. A great way to get an estimate for life insurance cost is to get a quote through an insurance provider online.
Does a life insurance company Dallas cover death due to accidents or suicide?
In Dallas, TX, life insurance policies typically cover accidental death in addition to death by natural causes such as illness or old age. Coverage for death due to suicide is possible, but only if the insured has been enrolled in their life insurance policy for at least two years without any lapses. Certain exclusions may apply depending on the provider and life insurance policy you have in place, so it’s important to discuss all the details of your coverage with your insurance company or agent.
A contingent beneficiary on a life insurance policy in Dallas, TX is someone to whom the policy payout will be made if the named primary beneficiary passes away before the policyholder. This enables the policyholder to have further assurance that the money they have built up in the policy will be transferred to someone that they choose. The contingent beneficiary should be named on the policy documents when the policy is taken out, and can be updated if the policyholder wishes but must be done so in writing.
Are payouts from life insurance policies near Dallas taxable?
Whether life insurance payouts are taxable depends on how the beneficiary is related to the deceased and where you live, such as in Dallas, TX. In Dallas, as in the rest of the state, most beneficiaries of life insurance are not required to pay income taxes on the payout so they can receive the entire amount. However, if the beneficiary is related to the insured or deceased, such as a spouse or ex-spouse, the policy would typically be considered part of the deceased's estate and may be subject to estate taxes.
What is a life insurance rider, and what types of life insurance in Dallas are available?
Life insurance riders are add-ons to a life insurance policy that offer extra coverage and provide policyholders with additional benefits. Dallas, TX residents often purchase riders to customize their life insurance policies to fit their specific needs. Riders come in a variety of forms, such as accelerated death benefit, guarantor rider, waiver of premium, and accidental death and dismemberment rider. An accelerated death benefit rider provides policyholders and their beneficiaries with a lump sum of cash in the event of a terminal illness. A guarantor rider extends a guaranteed settlement in the event of a death claim.
What is an accidental death and dismemberment Dallas life insurance policy?
An accidental death and dismemberment (AD&D) insurance policy is a type of life insurance policy that pays out in the event of an accidental death or dismemberment of the policyholder. It is available to those who live in Dallas, TX and may provide extra financial security for policyholders and their family members in the event of an untimely tragedy. While life insurance covers death by natural causes, AD&D policies may help ease the financial burden in cases where a death or dismemberment is caused by an accident.
How do I compare life insurance quotes from a Dallas life insurance company?
Comparing life insurance quotes in Dallas, TX can be made simpler by utilizing a local, independent insurance agency. Independent insurance agents can provide detailed quotes from multiple insurance providers and help you compare your options. Working with an independent agent will allow you to access the range of insurance products available to Dallas residents, giving you the opportunity to select the plan that fits your budget and life stage the best. In addition, an independent agent can provide you with helpful advice about the insurance company’s services, coverage limits, and policies.
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