Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Dayton, OH Term Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
Find the perfect plan from over 37 providers
Your one-stop-shop to compare all the rates, all at once.
With PolicyHub you get:
Over 37 policy provider comparison.
Explore multiple policies from all the leading insurers and choose the one that fits your needs.
Locked in rate discount and exclusive deals.
Benefit from exclusive deals offered only to residents of your state, and lock in huge rate discounts.
Customized policies just for you.
Our team tailors policies to your unique needs, meaning optimal coverage at competitive rates.
"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
ATTN: 2024 Term Life Insurance rates just released!
Get the latest Term Life Insurance rates for 2024 and lock in your policy today! Get started comparing policies right now.
Get the Term Life Insurance plan with the cheapest rates in 3 easy steps.
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.
Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest 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 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.
Get started in less than 15 minutes.
With PolicyHub getting started is easy. Compare all the Term Life Insurance rates from all the providers in Dayton, OH. Get started in under 15 minutes.
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.
Save time and get the best Term Life Insurance policy with the cheapest rates. Guaranteed.
![]() |
Option 1 | Option 2 | ||
---|---|---|---|---|
100% Digital | ||||
Licensed Agents | ||||
Expert Support | ||||
Get Started in 15 minutes | ||||
Decades of Experience | ||||
Compare 37+ Providers | ||||
Zero Hidden Costs | ||||
Top Insurance Providers |
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 Dayton, OH.
Frequent Questions...
Term life insurance is an important consideration for anyone living in Dayton, OH. Not only can it provide financial security for the policyholder and their loved ones in the event of an untimely passing, but it is also generally more affordable than other life insurance solutions. Also, with a term life policy, the term length can be increased without having to go through the entire application process again, ensuring the policyholders coverage the entire time they're in Dayton. Term life insurance is a great way to make sure that you and your family will not have to worry about your financial security in the future.
Which is more cost-effective: term life insurance quotes in Dayton or whole life insurance?
It depends on several factors, such as the budget of the policyholder, the age of the policyholder, the type of policy sought, and in the case of Dayton, OH, the type of insurers available in the area. Generally speaking, term life insurance will be more affordable, providing coverage for a designated period of time at a lower cost than a whole life policy. This can be beneficial for people who may need temporary coverage, such as to cover college or to bridge a gap in a financial plan.
What happens to my term life insurance policy Dayton after the term ends?
At the end of the term in Dayton, OH, it is customary to recognize the accomplishments of students and faculty, celebrate special school events, and otherwise wind down the semester. Many students look forward to the end of the term as a time for reflection, relaxation, and preparations for the next one. University of Dayton typically holds a commencement ceremony to recognize the successes of those graduating, and students participate in various activities such as musical performances, cultural festivals, and field trips.
What payment options are available for term life insurance near Dayton?
Premium payments for Dayton, OH area residents are available through a range of payment frequencies, including quarterly, semi-annually, and annually. For those looking for more flexibility, there is also the option of monthly payments. Additionally, those who prefer to pay their premiums with one lump sum can take advantage of the annual premium payment option. Further guidance on payment frequency and options can be obtained from an insurance professional in the Dayton, OH area.
Does a term life insurance quote Dayton cover deaths from extreme sports?
In Dayton, OH, many term life insurance policies do not cover deaths from extreme sports or dangerous activities. You can usually purchase an insurance policy that covers these risks as long as you provide an additional premium to your insurance company. However, if you are considering engaging in extreme sports or dangerous activities, it is important to consult your insurer to learn what the parameters are for coverage in Dayton, Ohio. Knowing what your coverage includes can help you make an informed decision on how to best protect yourself and your loved ones.
Yes, you can change your beneficiary later if you are located in Dayton, OH. To make the change official, you will need to contact your life insurance company and provide them with a written request, along with the name and address of your new beneficiary. If your policy is through an employer, you may need to fill out a company form and meet certain requirements with your employer's human resources department. Furthermore, some jurisdictions may require you to obtain permission from the original beneficiary prior to changing the beneficiary designation.
Are death benefits from term life insurance policies near Dayton taxable?
In Dayton, Ohio, death benefits are generally considered non-taxable. As long as the funds received do not exceed the cost of final expenses, or are not taxable as estate or income, they will typically not be taxed. It is important to speak with a qualified tax professional about specific situations to ensure all applicable taxes are addressed appropriately.
Is there a waiver of premium rider for term life insurance in Dayton?
Depending on the insurance provider, a waiver of premium rider may be available in the Dayton, OH area. This waiver allows policyholders to suspend or reduce their premiums without interruption or lapse of coverage, depending on certain conditions. It's important to note that waiver of premium riders may not be available with all types of policies and, even if available, they may be subject to age limits, certain health conditions, and other restrictions. Before purchasing a policy, it's best to speak to a qualified insurance representative to determine whether this type of rider is available and viable for your needs.
Group vs. individual Dayton term life insurance policy: What's the difference?
Group term life insurance provided through work in Dayton, OH differs from individual policies in several ways. Group term life is usually offered at no cost or at a lower rate to eligible employees than what is available through the individual market. It also has simplified underwriting processes and usually offers more coverage than individual policies. Furthermore, in many cases, group term life benefits are portable. This means that when an employee leaves the job, they can convert the current policy into an individual policy without ever having to answer any medical questions.
How do I apply with a Dayton term life insurance company?
To apply for term life insurance in Dayton, OH, one should reach out to a reputable, experienced life insurance agent or insurance company to discuss the specifics of their individual needs and customize an insurance plan for them. Term life insurance is meant to provide financial protection in the event of an untimely death, and is largely based on an individual's age, medical condition, and prior health history as well as the amount of coverage desired. A licensed agent or insurance company will provide an application to be completed and can guide one through any additional underwriting requirements associated with the policy.
Compare Dayton, OH Term Life Insurance Policies
Get started today and compare over 37 Term Life Insurance providers in as little as 15 minutes.
© 2024 PolicyHub - all rights reserved