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Compare over 20 top providers in Wilmington, NC
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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 Wilmington, NC 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
Lock in cheap rates.
Secure the lowest rates and lock in the perfect life insurance policy for you and your family.
"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 Wilmington, NC. 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 Wilmington, NC.
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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 Wilmington, NC works by providing a financial benefit to the policyholder's loved ones upon their death. The policyholder pays a monthly premium and the policy remains active throughout their lifetime, with the benefit passing to the policyholder's designated beneficiaries upon their death. This helps provide financial security and peace of mind for families in Wilmington, securely backed by the life insurance company. This benefit will typically replace some of the lost income because of the policyholder's death, allowing their family to continue living life and focusing on what truly matters, rather than worrying about financial security.
According to life insurance companies in Wilmington, what's the difference between term and whole life insurance?
There is a significant difference between term life insurance and whole life insurance in Wilmington, NC. Term life insurance is an affordable and simple form of life insurance purchased for a set length of time, typically 10, 15, or 20 years. Whole life insurance is a form of life insurance that typically includes an investment component, and builds cash value over time. That type of permanent life insurance has no expiration date and offers the additional benefit of a built-in savings plan that can be borrowed against in the future.
What happens if I stop paying premiums on my life insurance policy Wilmington?
If you fail to make premium payments on your life insurance policy in Wilmington, NC, your policy will lapse, and your coverage will end. Furthermore, you will no longer accrue any sort of cash value, meaning you will not have access to any money that you may have already paid into the policy. Additionally, any outstanding loans you have taken against the policy will now become due and must be repaid within a short amount of timeusually 30 days. Finally, there may be additional tax repercussions depending on the type of policy you have.
How can I lower my premiums with life insurance near Wilmington?
In Wilmington, NC, there are many ways to lower your life insurance premiums. Homeowners can take advantage of discounts for having robust home security systems or taking steps to make their homes more energy-efficient. Additionally, healthy lifestyle changes like maintaining a healthy weight and implementing an exercise routine can also help lower your premiums. Shopping around and comparing different life insurance policies is a great way to find the best rate and coverage for your individual needs.
Do I need a medical exam to contact a life insurance company Wilmington?
In Wilmington, North Carolina, it is possible to get life insurance without a medical exam. However, the type of coverage you get will be affected by the company you purchase your coverage from, as well as your lifestyle, age, and other factors. It is also important to note that life insurers typically require applicants to provide more personal information than they would for an exam-free policy in order to offer them a suitable quote. Therefore, if you are searching for the right life insurance for you and your family, it is highly recommended to shop around and compare different options before making a decision.
Yes, you can name multiple beneficiaries for your life insurance policy in Wilmington, NC. This is an excellent way to provide multiple members of your family with financial security in the event of an unexpected tragedy. Each beneficiary will receive a share of the policy proceeds based on the percentage you assign to the policy. It is important to keep your beneficiaries up-to-date should any of your circumstances change, such as marriage, divorce, death or if you wish to add additional beneficiaries. Your local agent will help you determine the right strategy for your family's needs.
What happens to life insurance policies near Wilmington if I outlive the term?
If you live in Wilmington, NC and you outlive the term of your life insurance policy, the policy will still be in effect and the death benefit will still be payable upon your passing. However, depending on the type of policy you have, you may have to renew or extend the policy at the end of the term for additional coverage. Alternatively, you may be able to convert your policy to a permanent life insurance policy, which will provide coverage until your passing and may give you the ability to withdraw or borrow against the cash value of the policy.
What is convertible term life insurance in Wilmington?
A convertible term life insurance policy is an affordable option for those in Wilmington, NC looking for life insurance coverage that can be converted to a permanent policy. This type of policy allows policyholders to maintain life insurance coverage for the entire duration of the term they've paid for, while providing the flexibility to convert the policy to a whole life policy at any point without having to provide proof of insurability or starting a new policy.
Can I buy a Wilmington life insurance policy for another person, like my spouse or parent?
Yes, it is possible to purchase life insurance for another person, such as a spouse or parent, in Wilmington, NC. Life insurance provided by The Prudential Insurance Company of America, or its subsidiaries or affiliates in Wilmington, NC, can offer protection for your loved one in case of an unexpected event. From whole, universal, and term life insurance, Prudential's experienced professionals will help you understand the options available in Wilmington, NC, and find the best fit for you and your family.
How do I apply with a Wilmington life insurance company?
Applying for life insurance in Wilmington, NC is easy! Visit the website of a local life insurance provider in the area and take a few minutes to fill out their online application form. This will provide the provider with the necessary information so they can evaluate your specific needs and provide you with life insurance terms that work best for you. Be sure to include accurate contact information, so the provider can follow up with you and answer any questions you might have.
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