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"I was totally lost trying to find the right Term 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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"I lost hope trying to find a Term 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
Term 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 Term Life Insurance needs in one place.
Term life insurance is a type of life insurance that provides coverage for a specific period of time or "term". If the policyholder dies within the term, the death benefit will be paid out to the beneficiaries. However, if the policyholder outlives the term, the policy will either end or renew for a new term. It's typically less expensive than permanent life insurance.
Level term life insurance offers steady premium payments and death benefits throughout the policy term, ideal for those desiring long-term financial stability. Decreasing term life insurance, with a gradually reducing death benefit but consistent premiums, suits individuals with decreasing financial responsibilities over time.
Increasing term life insurance provides a rising death benefit while keeping premiums typically constant, appropriate for those foreseeing growing financial needs. Renewable term life insurance allows for policy extension after the term expires without a new health exam, suitable for those expecting prolonged need for coverage, albeit with potentially higher premiums.
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Real PolicyHub testimonials...
"I knew I needed Term 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
Get matched with a 5-Star Term Life Insurance agent.
Roy Stephens
term life insurance agent
Roy Stephens is a licensed term life insurance agent licensed in your state.
Mark Sidway
term life insurance agent
Mark Sidway is a licensed term life insurance agent licensed in your state.
Cale Reeves
term life insurance agent
Cale Reeves is a licensed term life insurance agent licensed in your state.
"I was searching for Term Life Insurance but quickly found out that everyone was trying to sell me on policies I didn't need. Thankfully I found PolicyHub and get the cheapest rates and the right policy."
Nicole Nielson
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 for Term Life Insurance in Concord, NC.
Frequent Questions...
The primary purpose of term life insurance is to provide financial protection for your family and loved ones in the event of your sudden death. In Concord, NC, having an effective term life insurance policy in place can provide your family with the security and peace of mind that they will have the financial resources should something unexpected happen to you. It is an ideal way to ensure that debt is paid off, college tuition and other expenses are covered, and dependents such as elderly parents or minor children are taken care of in your absence.
Why choose term life insurance quotes in Concord over permanent options?
In Concord, NC, a great option for life insurance is term life insurance, which provides coverage for a specific amount of time. While this type of insurance is less expensive than permanent life insurance, it's still a great value, as it covers a large amount of protection for an affordable price. Term life insurance can even be converted to permanent life insurance, if desired, down the road. Additionally, it provides financial security and peace of mind knowing your dependents or beneficiaries will be taken care of should anything happen.
How long is coverage with term life insurance policy Concord?
The duration of term life insurance in Concord, NC, depends on the policy you purchase. Typically, you can select from terms of 5, 10, 20, or 30 years depending on your individual needs. Additionally, at the end of the term period, if you have not previously expired, you may be able to renew your policy. So, you could have coverage for life with long-term options. Ultimately, it allows you to design a lifetime of coverage, with the reassurance of life insurance protection.
Do premiums with term life insurance near Concord increase with age?
As you age, your premiums may increase depending on the policy you purchase. While there are many factors that determine your premium cost, age is one factor to consider. In Concord, NC, many insurance companies recognize age and offer lower premiums for those who are young and healthy. However, the rates typically increase as you age and might be more expensive than if you had purchased the policy at a younger age. Therefore, be sure to discuss all of your options with your insurance professional at your local agency in Concord, NC to ensure you receive the coverage you need at the best price available.
What medical tests are required for a term life insurance quote Concord?
In Concord, NC, the medical tests required for term life insurance may vary depending on the insurer, the level of coverage, applicant's age and any other relevant factors. Generally, the tests may involve a blood, urine, and cholesterol test; in addition to a full physical examination that includes taking height and weight measurements and asking about the applicant’s health history. Some providers may also order MRI and EKG tests. The medical tests are intended to assess the applicant's health and determine any risk factors.
A secondary beneficiary in Concord, NC is an individual or organization named to receive property or assets should the primary beneficiary pass away. Generally, the secondary beneficiary is named in an estate plan, like a will, trust or insurance policy, and is entitled to the assets in the same manner as the primary beneficiary is originally entitled. Secondary beneficiaries are commonly found in life insurance policies, where the primary beneficiary is often the spouse and the secondary beneficiary is usually a child or a charity. Secondary beneficiaries are also frequently named in investment accounts, such as IRAs or 401(k) plans.
What happens if I outlive my term life insurance policies near Concord?
If you outlive your term life insurance policy and live in Concord, NC, you have several options. One choice is to look into a permanent life insurance policy, which would provide coverage for as long as you wish and typically include additional benefits such as cash value accumulation. Another option is to consider Long Term Care Insurance, which would help cover costs if you require long-term care during your retirement years. In addition, you may want to consult with an experienced insurance advisor who can advise you on the best options for your individual needs.
What's a return of premium rider in term life insurance in Concord?
A Return of Premium rider is a type of life insurance that allows policy holders to receive all of their premiums back at the end of the policy term if no claims have been made. In Concord, NC, there are several life insurance providers that offer this type of policy, including State Farm. The Return of Premium rider ensures that policy holders in Concord will be able to receive their premiums back in full should they choose not to renew their policy.
Can I get a Concord term life insurance policy for my family?
Yes, you can purchase term life insurance for your family members in Concord, NC. At North Concord Insurance, we offer numerous life insurance policies to fit your individual needs and those of your family. Our agents will help you find the right policy for your family that provides the coverage they need and at the best possible price. Term life insurance is an essential component of any family’s financial security, so it's important to make sure you have just the right amount of coverage to protect your loved ones.
How do I check the legitimacy of a Concord term life insurance company?
Researching the credibility of a term life insurance provider is an important step prior to making a purchase. In Concord, NC, a great way to verify the credibility of a term life insurance provider is to check with the North Carolina Department of Insurance. Every term life insurance provider registered in the state is required to be licensed and all complaints should be on record and public view. You may also visit independent reviews websites from customers who have used the provider in the past. Additionally, the North Carolina Commissioner of Banks is an excellent resource that provides consumer education and access to financial benefits.
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