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Our team tailors policies to Lake Wales, FL 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 Lake Wales, FL Done in 3 easy steps
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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
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"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.
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With PolicyHub getting started is easy. Compare all the rates from all the providers in Lake Wales, FL. 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 Lake Wales, FL.
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 crucial for protecting your family in the case of an untimely death. For those living in Lake Wales, Florida, the risk of natural disasters such as hurricanes can undermine your family's financial stability. Life insurance will provide your family with the money they need to continue paying bills and maintain their lifestyle in the event of an unexpected tragedy. Life insurance is also important because it will be there for your loved ones in the event of your death to cover any final expenses including funeral costs.
What are the common policy exclusions from life insurance companies in Lake Wales?
Common exclusions for life insurance policies in Lake Wales, FL can include suicide, aviation and terror-related accidents, and any dangerous activities. Also, policies can become void if there are any material misrepresentations made on the application. Mental disorders and drug or alcohol abuse are other typical exclusions, as health issues can decrease the life expectancy of the insured and can also increase the policyβs financial risk.
How much of a life insurance policy Lake Wales do I need?
It is impossible to give a one-size-fits-all answer to how much life insurance coverage is necessary. Factors such as your age, family size, financial responsibilities, assets and other accumulated wealth should all be taken into account. If you live in Lake Wales, Florida, you may also want to consider the cost of replacing any income abruptly lost due to your death. Life insurance can be used to cover large expenses, such as final arrangements, debts, funeral costs and unpaid medical bills. Ultimately, the amount of life insurance you purchase should be tailored to your individual needs and particular situation.
How do insurance companies assess risk with life insurance near Lake Wales?
Insurance companies assess risk when issuing a policy by evaluating customers' personal information such as age, location, credit score, marital status and driving record. In Lake Wales, FL, a lower population density may lead to fewer DMV records of high-risk drivers requiring high-risk insurance premiums, while a high credit score may lead to a more favorable premium if you have a car loan. Insurance companies also weigh more specific factors such as the type of car, safety features and distance you usually commute. Therefore, depending on your particular characteristics, your risk assessment will be unique to you.
With a life insurance company Lake Wales, am I eligible if I'm a smoker, drinker, or if I engage in high-risk activities?
Yes, you can still get life insurance in Lake Wales, FL regardless of your smoking status, alcohol consumption, or participation in high-risk activities. While life insurance underwriters may look at any history of smoking or drinking, they will also take into consideration any lifestyle changes you have made. For example, if you have quit smoking, participating in a program to reduce alcohol intake, or stopped engaging in high-risk activities, you can still qualify for life insurance coverage in the city of Lake Wales. To obtain additional information about life insurance in your area, reach out to qualified professionals in the industry.
Absolutely, you can name more than one beneficiary for your life insurance policy in Lake Wales, FL. Depending on the company offering the policy, you may be able to name a primary and secondary beneficiary, in addition to contingent beneficiaries. Even if the policy allows for more than one beneficiary, you should name an alternate or contingent beneficiary to cover any special circumstances or contingencies in the event that the first does not survive you. It is important to keep your life insurance beneficiary designation up-to-date, making sure to document any changes you make.
Are payouts from life insurance policies near Lake Wales taxable?
In Lake Wales, FL, life insurance payouts are not taxable. This follows the federal tax code which states that life insurance proceeds are not taxable as they are not considered income. However, it is important to note that if the policy was a modified endowment contract, then the payouts on these policies may be taxable. Additionally, if the policy has an accelerated death benefit rider or if the policy was owned by a trust, then the proceeds may also be taxable depending on specific circumstances.
What is convertible term life insurance in Lake Wales?
A convertible term life insurance policy is a type of plan that can be converted to a permanent life insurance policy, such as a Whole or Universal Life Insurance. This is beneficial for those living in Lake Wales, FL who may have increasing insurance needs in the years to come, as their family or financial situation grows. With convertible term life insurance, Lake Wales residents have the option to extend the life of their policy and create life insurance protection for longer periods, allowing them to take advantage of benefits such as cost savings and the potential to build cash value.
What is an accidental death and dismemberment Lake Wales life insurance policy?
An accidental death and dismemberment (AD&D) insurance policy is designed to provide financial security to the policyholder's family in the event of an untimely death due to an accident. AD&D coverage, like any other type of insurance policy, should be tailored to the individual's needs. For example, those residing in Lake Wales, FL may benefit from additional coverage due to the presence of hazardous terrain, varying weather conditions, or other local environmental factors.
How do I apply with a Lake Wales life insurance company?
To apply for life insurance in Lake Wales, FL, you may contact a life insurance specialist in your area. You may be required to complete an application and provide documents such as proof of identity, proof of address, income documentation, and medical records. Working with a specialized life insurance provider can help you determine which policy is best suited to your needs, and also help you identify any potential discounts that may be applicable. Additionally, an agent can help you understand any exclusions, options, or riders that may be available with a policy.
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