Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Johnston, IA 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 Johnston, IA. 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 Johnston, IA.
Frequent Questions...
The main purpose of term life insurance is to provide financial security to Johnston, IA families. It offers a pre-determined death benefit to the policyholder's beneficiaries upon the policyholder's death. This type of insurance can be used to pay off a mortgage or to provide educational funds, for example. Term life insurance in Johnston, IA can be purchased with various premiums and terms, allowing people to customize their coverage based on their budget and the length of time they will need protection.
Why choose term life insurance quotes in Johnston over permanent options?
Term life insurance offers Johnston, IA residents the benefit of providing protection for a specified amount of time, at a lower cost than permanent life insurance policies. Additionally, term life insurance practitioners are able to tailor their policies to meet their particular needs, including choosing a policy to cover specific types of financial obligations, such as mortgage payments. Permanent goals such as estate planning and wealth creation can also be achieved with fixed premium life insurance plans, which provide accumulated benefits over time. Ultimately, term life insurance offers Johnston, IA residents an affordable and flexible means of protecting their financial interests.
Are there age limits for a term life insurance policy Johnston?
Yes, age is one of the determining factors in purchasing term life insurance in Johnston, IA. Generally, you can't purchase term life insurance after the age of 75, and most companies don't offer policies for those younger than 18-20 years old. But each company has its own age limits so it's important to check the policies of the insurance company you are considering. Besides age, insurance companies also consider other factors, such as your medical history, family history, lifestyle choices, and so on.
What payment options are available for term life insurance near Johnston?
At Johnston, IA based Insurance Group, our premium payment frequencies include the option of monthly, quarterly, semi-annually, and annually. Whatever selection you choose, you can be sure we will also help you manage your payments with convenient payment reminders. Moreover, our payment processing system ensures secure payments so that your funds are always transferred and stored with the greatest safety. So let us know your payment frequency frequency of choice and rest assured that your premium payments will be handled quickly and securely.
Does a term life insurance quote Johnston cover deaths from extreme sports?
Term life insurance in Johnston, IA will cover deaths that occur due to extreme sports and dangerous activities, as long as the policyholder's policy includes a provision for coverage of activities that pose a higher risk than everyday life. In other words, regardless of the cause of death, if it is covered by the policy itself, then the death is eligible for a term life insurance settlement. Before signing up for a term life insurance policy, while living in Johnston, IA, it's important to have a full understanding of the coverage, including if it includes death resulting from extreme activities.
In Johnston, IA, a secondary beneficiary is an individual listed to receive any residual funds from a deceased person's estate after the primary beneficiaries receive their inheritance. It is important to designate a secondary beneficiary in the event the primary beneficiary is deceased or cannot be located. The secondary beneficiary then becomes the primary beneficiary of any remaining funds for the decedent's estate. If the primary beneficiary can be located, but is unable to accept or receive the funds, then the secondary beneficiary is the one who gets the funds.
Are death benefits from term life insurance policies near Johnston taxable?
In Johnston, IA, death benefits are not taxed by the federal government or the state of Iowa. Though there are certain scenarios where the Internal Revenue Service (IRS) could impose a tax, such as when the estate receives a lump sum payment of more than $11.2 million dollars, those are rare cases. In Johnston, IA, when inheritance or insurance proceeds are received from a deceased person's estate, they are typically not subject to taxation. The same holds true for death benefits awarded to a surviving spouse; they are typically free from taxation.
Why consider an accelerated death benefit rider in term life insurance in Johnston?
An accelerated death benefit rider is an added benefit that can provide financial protection for Johnson, IA residents facing terminal illness. This rider can provide a death benefit in the form of a lump sum payment while the insured person is still alive, which can provide financial support to cover medical care, living expenses, and other financial obligations that would be difficult to handle without this rider. This added protection can offer important peace of mind for Johnston residents facing a terminal illness, allowing them to focus on enjoying quality time with loved ones while knowing their financial needs have been met.
Group vs. individual Johnston term life insurance policy: What's the difference?
Group Term Life Insurance through work in Johnston, IA is typically available to employees at a discounted rate as the employer subsidizes the cost of the policy. Depending on the employer, the policy may or may not provide coverage in the event the employee leaves the organization. Furthermore, group policies tend to have fewer options for customization than an individual policy. Individual policies are typically more expensive and allow the customer to go into greater depth in terms of benefits and riders, but it requires a much more detailed underwriting process.
How can I compare quotes with a Johnston term life insurance company?
Comparing term life insurance quotes in Johnston, IA is a great way to find the best coverage for your budget. A great first step is to contact a local life insurance agent who can help you compare quotes from multiple insurance providers. An independent agent can provide valuable insight into the differences between policy options and help you make an informed decision. It's also a good idea to take advantage of online resources such as insurance comparison tools, quote calculators, and company websites to get an overview of the coverage offered.
Compare Johnston, IA 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