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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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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 High Point, NC.
Frequent Questions...
Term life insurance is a type of life insurance policy available in High Point, NC that provides coverage for a limited period of time (in the form of a term). Term life policies typically provide the highest level of coverage for the lowest cost, making it a great option for those looking for insurance protection in the short-term. Additionally, term life insurance can be used to cover obligations such as mortgages, educational costs, and other debts for a specific period of time. Term life policies have options tailored to individual needs, from short-term plans to those that cover you for a lifetime.
Comparing term life insurance quotes in High Point with whole life: What's the difference?
Term life insurance provides coverage for a set period of time, while whole life insurance policies remain effective for your entire lifetime. The key difference between term and whole life insurance in High Point, NC is that the premium you pay for a term policy is much lower than what you would typically pay for a whole life policy. Whole life is more expensive because the plan includes money value that accumulates over time and is associated with increased coverage for the policyholder’s lifetime. Term life insurance typically pays a lump sum payment upon death, where whole life insurance pays out a death benefit and cash value.
Are there age limits for a term life insurance policy High Point?
Generally, term life insurance is available to those aged 18-80 in High Point, NC. However, the exact age restrictions may vary from one insurer to another. Factors such as the policy's size and type, amount of coverage, and health condition must also be considered. Therefore, it is best to consult with an insurance expert to determine the age restrictions and available options for your particular situation.
How do term life insurance near High Point calculate term life premiums?
The premium for term life insurance in High Point, NC is calculated based on a variety of factors, including age, gender, health, term length, and coverage amount. Additionally, High Point, NC insurers may look at factors such as credit history, lifestyle, and even occupation to determine the premium. Generally speaking, the younger and healthier you are, the lower your premium rate will be. It is important to meet with an experienced insurer to discuss your unique needs and goals to ensure you get the most favorable rates.
Does a term life insurance quote High Point cover deaths from extreme sports?
Term life insurance in High Point, NC typically does not cover death from extreme sports or dangerous activities. It usually only covers death from a natural cause, this could be due to an illness, or if the death was accidental, like being involved in a car accident. To ensure you have coverage for extreme sports and dangerous activities, speak with an independent insurance agent in High Point to discuss options such as supplemental insurance.
Yes, you can change your beneficiary later if you are a resident of High Point, NC. You can do this in person with a representative of a financial institution such as an insurance company, bank, or investment firm. A representative can help you make sure your beneficiary change is properly recorded and updated. Depending on the policy, you may even be able to make a change online or by phone. When making a beneficiary change it’s important to know that a will does not override a beneficiary designation.
Can I convert my term life insurance policies near High Point to permanent coverage?
Yes, if you are a resident of High Point, NC, you can convert your term life insurance policy to a permanent insurance policy. Many insurance providers in the area can assist with this process and provide you with more information about your coverage options. Depending on the provider, your current life insurance policy may be eligible for conversion to a policy with permanent coverage, which can provide you and your loved ones with the peace of mind that comes with life insurance that you can keep for your entire life.
What's a return of premium rider in term life insurance in High Point?
A return of premium rider is a type of life insurance policy offered by High Point, NC's Lombard Insurance to its customers. This rider provides coverage for a predetermined period of time and provides you with a refund of your premiums upon the policy's end if no claims were made during the designated time. This means you can get a refund of the premiums you paid if the policy is not used and you can rest assured knowing that you received coverage with no financial loss.
Can I get a High Point term life insurance policy for my family?
Yes, you can absolutely buy a term life insurance policy for your family members in High Point, NC. Multiple insurance companies in the area offer competitive life insurance rates to help protect your family's wellbeing and financial future. Finding the right term life insurance policy for your family members can be made easier by consulting with an independent life insurance agent who can give you impartial advice. Additionally, you may be able to save money by shopping around and comparing rates on different term life insurance policies. Ultimately, you will want to purchase a policy that provides the best coverage for your loved ones here in High Point.
What factors should I consider when choosing a High Point term life insurance company?
When choosing a term life insurance company in High Point, NC, you should consider their financial strength, customer service, policy options, and price. Research companies to see if they have a good rating with the Better Business Bureau and look into the customer and policy reviews. Financially, look into their credit rating to make sure that they will have the capability to pay out claims. You should also speak to customer service agents to get more information on the companies and ask about the different policies they offer. Ensure that you ultimately find a company that meets your specific needs and budget.
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