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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 Lexington, MA 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 Lexington, MA.
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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 in Lexington, MA works by providing financial protection to your family, should something happen to you. By purchasing life insurance, you can ensure that the loved ones you leave behind are taken care of financially, since life insurance helps to provide a cash benefit to them in your absence. Depending on the type of life insurance you purchase, benefits can include money to pay off debts, pay for funeral costs, replace income, and help your family maintain their lifestyle and financial security.
Can life insurance policies be transferred or sold with life insurance companies in Lexington?
Life insurance policies can be transferred or sold in Lexington, MA, though the precise process and legal requirements vary depending on the policy and provider. Sellers and buyers should always consult their attorneys or financial advisors to understand the full legal implications. Generally, the policy must first be assigned to a third-party transferee who will become the beneficiary, then the new owner must apply the policy in their own name. Depending on the circumstances, tax implications and other fees may need to be paid.
What happens if I stop paying premiums on my life insurance policy Lexington?
If you stop paying your life insurance premiums in Lexington, MA, your policy will lapse, meaning it will no longer be active or provide coverage. Your agent or company will send you a cancellation notice, and your coverage may continue for a limited amount of time if you pay the premium you owe. However, if the payments are not made, the policy will eventually lapse and you will no longer have coverage. It's important to speak with your life insurance agent in Lexington if you have any questions or need assistance with your policy.
How does inflation impact my policy with life insurance near Lexington?
Inflation affects your life insurance policy in Lexington, MA in that it may increase the cost of your premiums over time due to rising prices. It can also decrease the value of your life insurance policy as the purchasing power of the death benefit may be less than when the policy was initially purchased. Ultimately, inflation can reduce the return on investment of life insurance policies when adjusted by the rate of inflation over time. Furthermore, when inflation rises, it may be difficult to replace income through life insurance as the death benefit may not be enough to cover increasing living expenses of heirs.
Does a life insurance company Lexington cover death due to accidents or suicide?
Yes, life insurance in Lexington, MA can cover death due to accidents or suicide. It is important to know that each company's life insurance policy will differ and some may offer different coverage options than others. Be sure to check the specifics of each policy to ensure your coverage fits your individual needs. Additionally, be sure to look for advisors who understand the finer points of life insurance coverage in Lexington, MA to help you find the best policy.
Upon the death of a beneficiary who predeceases the policyholder in Lexington, MA, the life insurance policy remains in effect until the policyholder's death. However, the sum insured in the policy is then paid to the estate of the policyholder instead of the intended beneficiary. It's recommended that policyholders keep their beneficiary information up to date and they can easily contact their local life insurance provider to update their policy. It's important to make sure there is an alternate beneficiary identified in the event that the primary beneficiary passes away before the policyholder.
With life insurance policies near Lexington, how does my beneficiary claim their payout?
Beneficiaries in Lexington, MA looking to collect a life insurance payout should contact the policy provider for instructions. Generally, claims forms should be submitted to the insurer with a copy of the policyholder's death certificate to begin the claims process. Beneficiaries may also submit claims via a phone call or email. The policy provider will typically require additional information and/or documents to verify identity and other information. Upon completion of the process, the insurer will send a check directly to the beneficiary or provide another type of payment, such as a direct deposit.
What is convertible term life insurance in Lexington?
A convertible term life insurance policy in Lexington, MA is a type of insurance policy that provides coverage for a specific period of time, usually between 10 to 30 years. This policy allows the policyholder to convert their term life insurance plan to a permanent life insurance policy, such as a whole life policy, without having to discuss their current health. This converted policy's premiums and coverage remain the same. There's usually an age limit for converting such policies, usually before the policyholder turns 70. In addition, some insurers may require the policyholder to complete a physical to convert their policy.
Is a Lexington life insurance policy through work enough?
In Lexington, MA, while life insurance through work may provide basic coverage, it is typically not sufficient for most. For those living in the area, it is recommended to purchase additional life insurance through an independent policy to ensure that loved ones have the necessary financial resources in the event of one's passing. Local providers are available who offer life insurance policies that are tailored to meet individual and family needs, providing coverage beyond what is usually possible through work-based plans.
How do I compare life insurance quotes from a Lexington life insurance company?
Comparing life insurance quotes in Lexington, MA is simple with a reliable insurance broker. Agents in Lexington will typically review your current coverage and financial situation before providing you with the most suitable quotes. You could also use online quote search tools, such as the ones available on the websites of some Lexington-based insurance providers, to get a better idea of what might work best for you. Doing research on the types of policies available and the coverage and benefits associated with each policy can help you make an informed decision.
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