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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 Virginia Beach, VA 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
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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 Virginia Beach, VA. 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 Virginia Beach, VA.
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 provides financial security to surviving family members in the event of an untimely death. It is important to review your specific policy for details on eligibility, coverage, and limits, however in general terms, life insurance payments (known as the death benefit) are made directly to the beneficiary of the policy. In Virginia Beach, VA, folks may seek out policy options specifically tailored for their lifestyle, based on individual factors such as age, health, and family size.
With life insurance companies in Virginia Beach, what happens to my policy if I move to another country?
If you're a resident of Virginia Beach, VA, and you move to another country, your life insurance policy will remain in force in the U.S., since it is linked to U.S. legal systems. However, you may experience a decrease in certain benefits, such as death benefits, depending upon the laws of the country you move to. It is important to connect with a trusted life insurance provider in your new country, to ensure that you have adequate coverage in the event of an unexpected death.
Can I buy more than one life insurance policy Virginia Beach?
Yes, you can purchase multiple life insurance policies in Virginia Beach, VA. Depending on your individual goals and objectives, having more than one life insurance policy can be a great way to add further protection and financial security. With multiple policies, you can select customized coverages and choose different policy types for various needs such as maximizing the death benefit, providing income for a surviving spouse, or minimizing the taxes on your estate. An experienced insurance professional in Virginia Beach can help you determine which options and solutions make the most sense for your individual circumstances.
How do insurance companies assess risk with life insurance near Virginia Beach?
Insurance companies assess risk when issuing a policy by looking at several factors specific to Virginia Beach, VA, such as the age and condition of the home or vehicle being insured, the applicant's credit history, the applicant's claims history, the applicant's location (whether or not they live in an area prone to natural disasters or crime), and any other risks associated with the policy. The insurance company will also consider deductible and coverage limits, the type of policy, and other information in order to determine how much risk is being taken on and the appropriate premium to charge the customer.
Will a life insurance company Virginia Beach help me if I have a pre-existing medical condition?
In Virginia Beach, VA, you may be able to qualify for life insurance even if you have a pre-existing medical condition. It is important to speak with a qualified insurance agent to compare policies and to verify if you are eligible and what types of coverage are available to you. Some insurers accept applicants with pre-existing medical conditions while others may choose not to cover them. Your insurance agent can advise you on which carriers are best suited to your needs.
In Virginia Beach, VA, a life insurance beneficiary is the person who will receive the policy proceeds upon the policyholder's death. You can designate a life insurance beneficiary by visiting a certified representative who is familiar with life insurance policies in the area. In Virginia Beach there are multiple life insurance agents and financial advisors who will help you go through the process of selecting and designating a beneficiary. It is important to read through your policy's terms and conditions carefully to ensure you have selected the best beneficiary for the policy.
Are payouts from life insurance policies near Virginia Beach taxable?
Generally speaking, life insurance payouts are not taxable in the state of Virginia Beach, Virginia. In the event of a beneficiary receiving a taxable life insurance policy payout or a portion of the proceeds for Virginia state revenue taxes, they would need to file a Virginia income tax return to the Virginia Department of Taxation. However, it is important for beneficiaries to consult a tax professional to determine the best course of action for their particular situation.
What is a life insurance rider, and what types of life insurance in Virginia Beach are available?
A life insurance rider is an additional feature that can be added onto an existing life insurance policy. In Virginia Beach, VA, riders are available that can help provide coverage for both you and your family. For example, an Accelerated Death Benefit rider can provide money to you or a beneficiary if you are diagnosed with a terminal illness. Additional riders can also help cover long-term care expenses, cover final expenses, pay out an inheritance tax, or provide additional protection for a spouse or children.
How does a group Virginia Beach life insurance policy through my employer work?
In Virginia Beach, VA, group life insurance through an employer typically works by providing a predetermined amount of life insurance protection that is shared among a group of people. Your employer will then usually purchase a master group life insurance policy that covers all employees, allowing them to take advantage of preferred rates and features. The insurance coverage is paid for by the employer, while the beneficiary is determined by the employee; typically, the employee's spouse, partner, or children are named as the beneficiary.
How can I check if a Virginia Beach life insurance company is legitimate?
Checking the legitimacy of a life insurance company in Virginia Beach is relatively easy. You can start by making sure the company is licensed to operate in the area and is compliant with state laws and regulations. You should also check online reviews and ratings of the company from trustworthy sources to have a better idea of their reputation. Additionally, you can use the Virginia State Corporation Commission website to research the insurance company and see if they have had any complaints, or warrants, or any other official action. Lastly, you can contact the local insurance superintendent office in Virginia for more detailed information about the company.
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