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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 South Portland, ME 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
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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 South Portland, ME. 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 South Portland, ME.
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 in South Portland, ME is a form of protection that helps ensure your family is financially secure in the event of your untimely death. It can act as a support system to help keep your loved ones secure and maintain their current lifestyle in the long-term. Life insurance offers peace of mind knowing that your family’s financial goals will be met, even when life throws a curveball. Whether you’re looking for term life insurance, whole life insurance, or a combination of the two, you can find a plan that meets your needs here in South Portland.
What is a policy lapse in life insurance companies in South Portland?
A policy lapse in life insurance in South Portland, ME is when the payment for a life insurance policy is no longer made. This can lead to the termination of life insurance coverage and could mean that any benefits associated with the policy would then no longer be available. It is important to keep up with policy payments otherwise the policy may become void and you risk losing all the benefits that you were planning to receive.
Can I buy more than one life insurance policy South Portland?
Yes, you can buy more than one life insurance policy in South Portland, ME. You should consider your needs and potential goals when deciding how many policies are right for you. You may want to discuss your options and financial goals with a local financial advisor. They can help you create a plan that suits your needs and aims to provide you with the security and peace of mind. There are benefits associated with purchasing multiple life insurance policies. These benefits may include extra coverage options on each policy and also providing additional security in the event of a death of an insured family member.
How do insurance companies assess risk with life insurance near South Portland?
Insurance companies assess risk when issuing a policy by analyzing a variety of factors specific to each policyholder. In South Portland, ME, the insurance company would likely consider the applicant's location and amount of time spent in the area, their driving record, whether they own or rent their home, and history of any filed claims. Close proximity to hazardous areas, such as water, may also play a role in the risk levels associated with the policy, and the company may ask for additional information relating to the home's overall condition if the property is covered.
Will a life insurance company South Portland help me if I have a pre-existing medical condition?
Yes, it is possible to obtain life insurance if you have a pre-existing medical condition in South Portland, ME. The best course of action for you will depend on the specifics of your condition and the type of coverage you are looking for. You may need to undergo medical examinations or provide additional medical information in order to obtain a policy. Also, some carriers may exclude coverage related to pre-existing medical conditions, so it is important to speak with a licensed insurance agent in the state of Maine to identify the coverage options that are available to you..
A contingent beneficiary in a life insurance policy, as it relates to South Portland, ME, is someone designated to receive the proceeds from the policy in the event that the primary beneficiary dies first or is incapacitated and legal documents indicate that the proceeds should be passed onto the contingent beneficiary. The designation of a contingent beneficiary can offer you and your loved ones peace of mind, knowing that if something were to happen to the primary beneficiary, the proceeds from the policy still have a benefactor. In such a case, the insured's wishes can still be effectively honored.
Do life insurance policies near South Portland have any cash value?
In South Portland, ME, the answer to the question of whether your life insurance has a cash value varies by the type of policy. Most term life policies don't build up a cash surrender value, but some permanent life insurance policies can. It’s important to read the language in your policy and evaluate its features in order to ascertain the cash value associated with the life insurance coverage you have. Additionally, many providers in the South Portland area offer riders that are specific to your policy that may impact your premiums and cash value.
What is convertible term life insurance in South Portland?
A convertible term life insurance policy is a policy offered to South Portland, ME residents that gives them the option to transition from a term life policy to a permanent life policy. With this policy, residents can take advantage of a newly lowered premium, potential cash accumulation, increased coverage, and flexibility of policy loans and riders. Additionally, they can have higher coverage without having to undergo a medical exam. This policy also can provide tax-deferred growth and allows for an almost-guaranteed death benefit over the term of the policy.
How does a group South Portland life insurance policy through my employer work?
Group life insurance through an employer works by providing coverage to employees and their families in South Portland, ME. Employers purchase the policy on behalf of the employees, and will typically offer the coverage at a discounted rate. The policy will cover death or other events, depending on the policy, and can provide financial security to family members at an especially difficult time. Depending on the employer, beneficiaries may have the option to convert the group policy to an individual policy of their own.
How do I compare life insurance quotes from a South Portland life insurance company?
The best way to compare life insurance quotes in South Portland, ME is to contact a local insurance agent or broker. Not only can they offer quotes from multiple insurance providers, but they can also provide expert advice and guidance on the type and amount of insurance coverage best suited to your needs and budget. Additionally, an independent insurance professional can help you interpret policy wording and fine print to ensure you make an informed decision and get the best policy for your situation.
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