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Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Durham, NC Term Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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
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Tell us about yourself.
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Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
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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.
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 Durham, NC. 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.
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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 Durham, NC.
Frequent Questions...
Durham, NC residents should consider term life insurance to provide vital financial protection for themselves and their families. Term life insurance offers cost-effective coverage and can bring peace of mind in case of unforeseen circumstances. Benefits of term life insurance may include paying for final expenses, providing an income for surviving family members, and helping cover the cost of daily living expenses. This type of insurance is especially beneficial in Durham, NC because it can provide an additional safety net in case of an unexpected health event or income loss. Additionally, the premiums are often quite affordable and customizable, so the insured can work within their budget.
Why choose term life insurance quotes in Durham over permanent options?
someone in Durham, NC might choose term life insurance over permanent types because it offers coverage for a temporary amount of time, is typically much cheaper than permanent policies, and has the flexibility to be changed or upgraded over time. It also offers policyholders the opportunity to customize their coverage to fit their needs and budget, and to switch to permanent coverage once their financial situation is more stable.
How long is coverage with term life insurance policy Durham?
Term life insurance policies in Durham, NC vary in terms of their duration, but are generally purchased for periods of 10, 15, 20, or 30 years. If you don't make any changes to your policy and continue to pay the premiums within the set timeframe, your coverage will remain in effect until the end of the specified term. After that, the policy will reach its expiration date and will no longer provide you with protection. In cases of unfortunate death, the life insurance policy benefit will be paid to your designated beneficiaries.
Can I get a premium refund if I cancel my term life insurance near Durham?
In Durham, NC you are able to receive a refund upon cancellation of your term life insurance policy. The amount of refund you will receive will depend on the type of policy you purchased and how long you have had it. Be sure to speak to your insurer about any refund policy they may have in place so that you know exactly what you are entitled to. Additionally, your insurer should provide information about any fees or taxes that may be associated with the cancellation and refund process.
Can smokers get a term life insurance quote Durham?
Absolutely! You can definitely get term life insurance if you're a smoker, even here in Durham, NC. There are many life insurance companies in North Carolina that offer insurance plans to smokers and non-smokers alike. In fact, you may even find that your premiums are lower if you smoke due to fewer risks associated with smoking. Browse through the options and choose an insurance provider that meets your specific needs and preferences. Keep in mind that life insurance companies factor in the age, health, and activities of potential policyholders in order to provide the best term life insurance plan for everyone.
If your nominated beneficiary passes away before you in Durham, NC, you may need to update your estate plan. This can be done by executing a new will, revoking the current beneficiaries, and naming new successors. In addition, if the deceased beneficiary’s assets pass to you, you would need to update other documents, such as retirement accounts, life insurance policies and trusts, with new information. Before committing to any changes, consider seeking advice from a qualified lawyer or financial advisor in Durham who has experience in estate planning.
What happens if I outlive my term life insurance policies near Durham?
If you are worried about outliving your term life insurance and you live in Durham, NC, you may want to consider switching to a permanent life insurance policy. A permanent life insurance plan is designed to outlive you and is intended to cover all the duration of your life, no matter how long you live. Permanent life insurance policies also often carry a cash value component that accumulates over time, and provide additional benefits such as the possibility of tax benefits and policy loans.
Why consider an accelerated death benefit rider in term life insurance in Durham?
An accelerated death benefit rider, offered by some life insurance companies, can provide immense value to Durham, NC residents. This rider allows policyholders to access a portion of their death benefit expectation before death. This can be particularly useful for those diagnosed with a terminal illness, allowing them to pay for medical expenses or maintain their lifestyle during the last stages of their life, without needing to draw on their savings. Ultimately, this rider provides financial stability during times of severe hardship, giving Durham, NC residents and their families peace of mind during difficult times.
How does a Durham term life insurance policy differ from AD&D?
Term life insurance is designed to give a financial safety net to a policyholder's family in the event of an adverse event, such as death. By contrast, Accidental Death & Dismemberment (AD&D) insurance is designed to assist with medical and burial expenses if the death of the insured person is accidental. The two types of policies offer different levels of coverage for individuals living in Durham, NC, and it's important to research both thoroughly before making a decision.
What factors should I consider when choosing a Durham term life insurance company?
When it comes to choosing a term life insurance company in Durham, NC, there are many factors you should consider. Researching a company's financial strength, coverage options, customer reviews, and other factors such as discounts and convenience can help you find the best fit for your individual needs. If you are not sure which companies offer services in your area, speak with an insurance agent to get more information, or look online for resources that compare companies and policies. Regardless of who you choose, make sure to read all documents carefully and ask questions to ensure you are getting the coverage you need.
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