Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Laramie, WY 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 Laramie, WY. 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 Laramie, WY.
Frequent Questions...
Term life insurance is an important form of financial protection for Laramie, Wyoming families. It offers coverage for a specific period of time typically 10, 15, 20, or 30 years with a predetermined death benefit, enabling individuals and families to account for the future and provide for their loved ones in the case of an untimely death. Term life insurance provides the peace of mind that comes with knowing a family’s finances are safeguarded, even if tragedy should occur.
Comparing term life insurance quotes in Laramie with whole life: What's the difference?
In Laramie, WY, the main differences between term and whole life insurance are duration, cost, and benefits. Term life insurance policies are typically renewable or convertible, and are for a period of time typically ranging from 5-30 years. During this time, policyholders pay a predetermined premium, but do not accrue cash value or generate dividends. Conversely, whole life insurance policies are permanent, and offer a guaranteed death benefit and cash value. This cash value is taxed differently than the death benefit, and can grow over time as the policyholder pays their premiums.
How do beneficiaries claim death benefits with a term life insurance policy Laramie?
The death benefit in Laramie, WY works by paying out a predetermined amount of money to the designated beneficiary upon the death of an insured individual. The amount of death benefit will vary depending on the policy particulars, but generally, death benefits are meant to help the policy's beneficiary cover unpaid expenses, such as funeral costs, final medical bills, and other financial obligations. To be eligible for a death benefit, you must have an active insurance policy in place at the time of death, and your death must be covered by the policy.
Can I get a premium refund if I cancel my term life insurance near Laramie?
Yes, you may qualify for a refund when cancelling your term life insurance in Laramie, WY. Depending on the type of plan and policy that you have, you may receive a pro-rata refund, which means you’ll be refunded for any unused premiums. To find out whether you’ll be eligible for a refund you must contact your insurance provider to discuss the details of your situation. An insurance provider in Laramie, WY can help you review your policy and go over the potential benefits and refund options that you may qualify for.
What medical tests are required for a term life insurance quote Laramie?
In Laramie, WY, most term life insurance companies will require a medical exam before issuing a policy. The medical test for term life insurance includes a physical exam, measuring height and weight, a blood test, and a urine sample. The exam measures total cholesterol, triglycerides, blood glucose, and other factors that assist in determining your overall health. The life insurance company also requests medical records from your primary care doctor as part of the application process. They may also request information related to any medical condition or illness reported on the application.
In Laramie, WY, you can use your insurer's online platform to nominate a beneficiary for your term life insurance policy quickly and easily. First, you'll need to create a profile, or log in to an existing one, to add your basic information. Once you're in, navigate to the beneficiary nomination page and enter the information of the intended beneficiary. After you have submitted the form, you will be issued a confirmation receipt ensuring the nomination has been processed. Once your insurer has received and processed your nomination, they will contact you to finalize the documentation.
Are death benefits from term life insurance policies near Laramie taxable?
In Laramie, WY, death benefits are generally taxable, though there are some exceptions. Generally speaking, the taxable amount is the total of all benefits received. However, if the death benefits are paid as an annuity, an individual may be able to claim an exclusion from taxable income. Additionally, if survivor's benefits are paid to someone on behalf of a decedent, those payments may be partially or totally excluded from taxable income. It's also important to note that proceeds from a life insurance policy paid to the beneficiary are not usually taxable.
Can I add a child rider to term life insurance in Laramie?
Yes! Adding a child rider to your policy is a great way to protect your family in Laramie, WY. Generally, it adds extra coverage for any of your children under the age of eighteen and can even cover up to twenty four years of age, depending on the insurer. Your child would be covered for liability and uninsured motorist coverage at the same level as you, and it's usually quite affordable. We'd be happy to walk you through the process and help you get the coverage you need for your family.
Group vs. individual Laramie term life insurance policy: What's the difference?
Group term life insurance policies offered through work are generally more affordable than individual policies, since they are usually possible to acquire at a discounted rate for being part of a larger plan. This is especially beneficial in Laramie, Wyoming, where the cost of living is relatively low. Additionally, group term life insurance policies often have very few waiting periods, which means that coverage can usually begin right away. However, individual policies tend to be more customizable, allowing the policy holder to choose the options that are most important to them, such as specific coverage amounts and beneficiaries.
How do I apply with a Laramie term life insurance company?
Applying for term life insurance in Laramie, WY is a straightforward process. It begins with getting in touch with one of the many agencies in the area that offer the required coverage. After discussing your specific needs with them, you'll be asked to submit an application that includes your basic health and financial information. The next step is usually a medical exam and the results will be used to determine the cost of your policy and the benefits you'll be eligible for.
Compare Laramie, WY 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