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"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 Lanham, MD Done in 3 easy steps
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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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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 Lanham, MD.
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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...
When choosing the right life insurance policy in Lanham, MD, it is best to consider your goals and needs a policy that can provide financial protection for your loved ones upon your passing. Certain life insurance policies in Lanham offer solutions such as whole, universal, and term life insurance policies. Consider the policy’s benefits, death benefits, premiums and apply them to your family’s lifestyle to make sure it meets your specific needs.
What are the common policy exclusions from life insurance companies in Lanham?
Generally, life insurance policies in Lanham, MD will exclude any death that is caused by self-harm, intoxication, travel for military service, war or civil unrest, a criminal act, or engaging in high-risk activities. Some policies may also exclude death caused by certain pre-existing medical conditions or a job-related hazard. It's important to review your life insurance policy to determine what exclusions apply.
What happens if I stop paying premiums on my life insurance policy Lanham?
If you live in Lanham, MD and you stop paying premiums on your life insurance policy, it's important to understand the consequences of your decision. In most cases, policyholders will become ineligible for the coverage and the policy will be canceled. This could put you and your family at risk if something catastrophic happens. In addition, if you decide to reinstate the policy later, you may be subject to a higher premium and a waiting period of six to twelve months before the coverage is active.
How are premiums determined with life insurance near Lanham?
Life insurance companies in Lanham, MD use advanced algorithms to determine an individual's premium. Things like age, life expectancy, health history, and lifestyle choices are taken into consideration when determining an individual's premium. Additionally, they may also consider your location-specific risk factors such as traffic laws, natural disasters, and employment prospects. Ultimately, all of these factors will be weighed to calculate an individual's life insurance premium.
With a life insurance company Lanham, am I eligible if I'm a smoker, drinker, or if I engage in high-risk activities?
Yes, you may still be able to get life insurance if you’re a smoker, drinker, or engage in high-risk activities in Lanham, MD. Numerous life insurance companies in the area offer multiple policy types for those who partake in activities that are traditionally considered to be risky. Though your premiums may be higher and not all policies may be available to you, it is possible to take out a life insurance policy in the Lanham area if your lifestyle involves any of the activities listed.
In Lanham, MD, if the beneficiary named on a life insurance policy passes away before the insured does, the policy proceeds will become part of the decedent's estate and pass to their heirs according to Maryland's laws on intestacy. For those who wish to avoid this, updating the policy to name a new beneficiary or setting up a trust are both viable alternatives. This should be done prior to the passing of the originally named beneficiary, to avoid issues or delays in processing of the policy.
What happens to life insurance policies near Lanham if I outlive the term?
If you're living in the Lanham, MD area, then it's essential to know that if you outlive your life insurance policy term, coverage may no longer be in effect. Depending on the type of policy you have, non-converting policies (such as term life) will end at the end of the term and you will not receive a payout. Alternatively, a permanent life insurance policy may convert to a permanent policy at the end of the term.
What is convertible term life insurance in Lanham?
A convertible term life insurance policy is particularly beneficial to families in Lanham, MD, because it allows policyholders to convert their existing temporary life insurance into a permanent life insurance policy without the need to undergo medical exams. This feature is especially valuable for Lanham residents, as it provides the flexibility to switch from a temporary policy to a permanent one without a change in coverage, even though changes in medical conditions may have taken place. Additionally, the policyholder will have the added assurance of protection for life, at an affordable cost.
What is an accidental death and dismemberment Lanham life insurance policy?
An Accidental Death and Dismemberment (AD&D) insurance policy protects residents of Lanham, MD from financial losses associated with a sudden, unexpected death or disabling injury resulting from an accident. This type of insurance policy is designed to offer financial benefits to grieving Family members in the event of an untimely death or debilitating injury, allowing them to receive the financial assistance they need and deserve without having to worry about bills or unexpected expenses. AD&D insurance policies help provide peace of mind should the worst happen, as they can offer some assurance of financial stability during a trying time.
What is the 'free look period' from a Lanham life insurance company?
The 'free look period' in life insurance is a set time, typically ranging from 10 to 30 days 5 to 10 in some states, in which a policyholder may return the life insurance policy purchased in Lanham, MD for a full refund. During this time, policyholders may thoroughly review their policy, make sure that the contract does not conflict with their objectives, and consider whether the policy offers enough coverage. An effective free look opportunity allows the policyholder an unhurried and knowledgeable review of their coverage.
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