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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 Des Moines, WA.
Frequent Questions...
The primary purpose of term life insurance in Des Moines, WA is to provide financial protection for your loved ones in the event of your untimely death. By purchasing a term life insurance policy, you can ensure that your family or other beneficiaries are taken care of financially should something happen to you before the policy's expiration. This type of life insurance policy has an expiration date, rather than lasting for your entire life as with whole life insurance policies, and is often more affordable.
How do I switch from term life insurance quotes in Des Moines to whole life?
In Des Moines, WA, you can easily switch from term to whole life insurance depending on your needs. Generally, you will need to cancel your current term policy and then apply for a whole life policy. It's important to note that you may need to answer health questions and provide evidence of insurability if you're over a certain age. However, if you're within the age range that requires additional questions and tests, an agent can still help you transition from term to whole life insurance.
How do beneficiaries claim death benefits with a term life insurance policy Des Moines?
In Des Moines, Washington the death benefit works by paying out a lump sum payment to the deceased individual's estate. The estate will receive the payment after filing a valid claim with the insurance company. This benefit is typically used to pay for funeral and burial expenses, debts owed by the deceased, or to provide additional financial support to the deceased's dependents. The death benefit payouts vary from one policy to another, but the average policy's benefit is designed to help ease the financial burden often associated with an untimely death.
Are there discounts on term life insurance near Des Moines?
Yes, there are a few ways you can lower your term life insurance premium if you reside in Des Moines, WA. As term life insurance premiums are based on your individual risk factors, you can take certain steps to lower the cost of your coverage. Checking for any available discounts in Des Moines that are offered through your insurance provider can save you money and ensure that you're getting the best coverage for your needs. You can also do things such as lead a healthy lifestyle, take a driver's safety class, and consider smoking cessation programs.
With a term life insurance quote Des Moines, does it cover accidental deaths?
Yes, term life insurance does cover accidental deaths in Des Moines, WA. This type of coverage ensures that you and your family are financially prepared if an unforeseen accident interrupts your life. Some term life policies even offer coverage specifically tailored to accidental death, increasing the death benefit if you were to perish as a result of accidental causes. Additionally, your policy may come with additional benefits that will pay for the costs of specific types of accidental deaths. Make sure to review your policy details for the full selection of benefits it offers in case of accidental death.
Yes, you can have multiple beneficiaries in Des Moines, WA. At the time of creating your trust, you can name additional beneficiaries who can benefit from the trust either immediately or in the future. You are free to customize the terms of your trust so that multiple beneficiaries are properly taken care of and receive an equitable portion of the trust. Depending on the purpose of the trust set up, the percentages for the beneficiaries can be determined either now, or at specified milestones in the future. Furthermore, trustees can be chosen to oversee the administration of the multi-beneficiaries.
How quickly are benefits paid out with term life insurance policies near Des Moines?
Beneficiaries located in Des Moines, WA should expect to receive their payout within 1-3 business days (or sooner). The speed of payout can vary depending on the payment method; direct deposit is usually the fastest. If the payment is not received within the allotted time period, it is recommended that the beneficiary contact their financial institution and/or the company issuing the payout for assistance.
Why consider an accelerated death benefit rider in term life insurance in Des Moines?
Living in Des Moines, Washington, an accelerated death benefit rider has the potential to provide local residents with greater peace of mind in their later years. It allows them to access portions of their life insurance death benefit while they're still alive in order to cover medical costs associated with a terminal illness. For example, if a local resident has a terminal diagnosis, the rider ensures that the financial resources needed to pay for hospice care, medical treatments, and other costs are available. This can provide immense financial relief and protection for Des Moines residents and their families.
How does a Des Moines term life insurance policy differ from AD&D?
Term life insurance is designed to provide a predetermined death benefit in the event of the policyholder’s death during the specified term. AD&D (Accidental death and dismemberment) coverage is an optional benefit that is bundled with most term life insurance policies, designed to provide additional financial assistance to help cover funeral and burial expenses in the event of accidental death and dismemberment. In Des Moines, Washington, it is important to understand the differences between term and AD&D coverage in order to maximize the benefits of your policy and help ensure financial security for your family under any circumstances.
What's the 'free look' period with a Des Moines term life insurance company?
In Des Moines, WA, a 'free look' period in term life insurance allows policyholders to assess the coverage they have proposed or purchased before the policy is considered binding. After insureds receive their policy information, they are eligible for a free look period of 10 to 30 days during which they may evaluate the proposed policy and decide if it is satisfactory. It is also possible to return the policy during this period for a full refund with no penalty.
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