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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 Glendale Heights, IL.
Frequent Questions...
Term life insurance is well-suited for anyone living in Glendale Heights, IL who wants coverage for a specified period of time. It is particularly valuable for people who have young children, own a home, and/or have other large expenses and debts. Term life insurance can help provide financial stability during a difficult period and help supplement income in the event of death. It is significantly cheaper than whole life policies and enables families to provide coverage to their loved ones without breaking their budget.
Can I get both term life insurance quotes in Glendale Heights and whole life?
Absolutely! While term life insurance is a great option for short-term protection, whole life insurance is designed for those looking to gain a lasting policy. Whole life insurance plans can even offer guaranteed cash value and are typically more affordable for people living in Glendale Heights, IL. Plus, if you prefer to have both, there are combined policies and other options that could provide you with the right amount of coverage and benefits that meet your needs.
Are there age limits for a term life insurance policy Glendale Heights?
Yes, age restrictions vary by area and insurance provider. Generally, in Glendale Heights, IL, you must be at least 18 years old to purchase term life insurance, although some insurance companies may require you to be at least 21. Different companies may offer age ranges from 18-80 or longer; you will need to check with your local carrier or an insurance provider in Glendale Heights to determine eligibility. It's important to consider the length of the coverage when you choose a term life policy, as the rules for the available amount of coverage may also be affected by the age of the insured person.
What payment options are available for term life insurance near Glendale Heights?
In Glendale Heights, IL, customers can choose from monthly, quarterly, semi-annual, or annual payment schedules for their premiums. We are also proud to offer an auto-renew option that recharges and renews your policy so you don't have to worry about it running out. We strive to provide convenient payment frequencies so that you can choose the option that best fits your needs. If you have any questions, our customer service team is available to answer them and help you select the best payment schedule for you.
What medical tests are required for a term life insurance quote Glendale Heights?
Depending on the terms of the particular policy, term life insurance in Glendale Heights, IL may require a physical exam or other medical tests. Common tests may include a blood test to get a better indication of your cholesterol and triglyceride levels, an electrocardiogram to provide a snapshot of your cardiovascular health, or additional lab tests to note any health conditions or potential problems. To ensure the policy goes through without any complications, it’s a good idea to research the specific policy requirements and be prepared for any necessary medical examinations.
Yes, you can have multiple beneficiaries in Glendale Heights, IL, as it is allowed by law. You can select more than one testamentary beneficiary or trust beneficiary to receive your assets when you pass away. When selecting multiple beneficiaries, you should consider whether they are able to work together to manage the funds that are distributed, as well as the tax implications that your choices may create. Ultimately, you should select the specific individuals that you wish to provide for in your estate plan, and make sure that beneficiaries are comfortable working together.
Can I convert my term life insurance policies near Glendale Heights to permanent coverage?
Yes, in Glendale Heights, IL, you can convert your term life insurance to permanent coverage. Most insurers allow policyholders to make the switch without the need for new underwriting. Additionally, there are no restrictions on when an individual may make the conversion so you don't need to keep the term life policy until the end of the term in order to make the switch to permanent coverage. It's important to consider your specific needs when deciding to switch from term life to permanent life insurance, as permanent life policies are usually more expensive than term life insurance policies and may involve additional features.
What's a return of premium rider in term life insurance in Glendale Heights?
A return of premium rider is an optional policy addition to a life insurance policy available in Glendale Heights, IL that refunds a portion of the premiums paid throughout the duration of the policy if the policyholder outlives the policy. This rider can greatly reduce the cost of the policy by offering a discounted premium, while still providing increased life coverage. For example, if a policyholder pays a $10,000 premium over 30 years and outlives the policy, the return of premium rider provides a refund of the premiums paid, minus any policy fees and charges.
How does a Glendale Heights term life insurance policy differ from AD&D?
Term life insurance that is available in Glendale Heights, IL is designed to cover an individual for a specific period of time, usually from 5-30 years. During this time, a predetermined death benefit is paid to the beneficiary if the insured dies. The death benefit, also known as the face value, is the amount determined at the outset of the policy and does not change during the life of the policy. Accidental Death and Dismemberment (AD&D) is an insurance policy that pays benefits to the insured's beneficiaries only if death or dismemberment is caused by an accident.
What factors should I consider when choosing a Glendale Heights term life insurance company?
When selecting a term life insurance company in Glendale Heights, IL, it is important to consider their reputation, coverage options, payment terms, customer service, and financial ratings. Make sure to ask questions and obtain as much information as possible about the company so you can make an informed decision. Check to see if any complaints have been filed with the Better Business Bureau or other financial regulatory agencies, as well as any customer feedback. Additionally, look into the company's financial strength ratings from independent rating companies such as S&P and Moody's.
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