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With PolicyHub you get to compare over 37 Lewisville, NC Term Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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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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With PolicyHub getting started is easy. Compare all the Term Life Insurance rates from all the providers in Lewisville, 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.
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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 Lewisville, NC.
Frequent Questions...
Term life insurance is an affordable form of life insurance that covers an individual for a predetermined period of time. In Lewisville, NC, term life insurance provides financial security for families in case of death, providing a lump sum payment to beneficiaries free of estate taxes and probate. Term life insurance is a cost-effective way to protect against the financial burden of death, giving families the security of knowing they and their loved ones will be financially taken care of should the unexpected happen.
Can I get both term life insurance quotes in Lewisville and whole life?
It is possible to have both term and whole life insurance in Lewisville, NC. The advantage of having both is that term life provides protection for a finite period of time and a relatively low premium, while whole life insurance provides permanent protection and builds cash value. Both types of policies can be beneficial depending on your personal needs and budget. When it comes to insurance, having the right amount of coverage and the right type is important for providing financial security to your family.
How do beneficiaries claim death benefits with a term life insurance policy Lewisville?
In Lewisville, NC, a death benefit is a lump-sum cash payment made to the beneficiary of an individual's life insurance policy upon the death of the insured. The death benefit amount can typically range from $50,000 to $1 million or even more depending on the type of policy that is purchased. The death benefit can help to cover funeral costs, provide financial security for loved ones left behind, and help to pay off any remaining debts that the deceased person may have.
Can I get a premium refund if I cancel my term life insurance near Lewisville?
If you cancel your term life insurance policy in Lewisville, NC, you may be eligible for a refund based on the amount of time you have paid for the coverage and under what terms you purchased the policy. Generally, you will be refunded a prorated amount minus any taxes, fees, and other charges associated with canceling your policy. If you want to be sure of the amount you may receive, it is best to contact your insurance provider to verify the specifics of your policy.
What medical tests are required for a term life insurance quote Lewisville?
Term life insurance in Lewisville, NC typically requires applicants to fill out a questionnaire and go through a medical exam. The specifics of this exam may vary based on age and health status, but generally, it will consist of blood work, a urine sample, height and weight measurements, and perhaps an EKG. In some cases, additional tests may be required, such as a stress test or an MRI. The medical exam often takes place at the applicant's home or office by a medical professional.
Yes, you can absolutely name multiple beneficiaries in Lewisville, NC. It is important to look into the specific rules and regulations with the financial institution, bank, or institution that you are working with. Having clear and multiple beneficiaries is important for any situation, whether it be a will, trust, or life insurance policy. Each of these estate planning tools can make sure your assets are intended for that special someone or multiple someones in the way you designate. It is essential to ensure that your desires will be carried out in the case of any unfortunate events.
What happens if I outlive my term life insurance policies near Lewisville?
If you outlive your term life insurance policy in Lewisville, NC, there are still options. Consider converting to a permanent life insurance policy such as whole life insurance that can provide life-long coverage and a guaranteed benefit. Permanent policies also build cash value that can be accessed through loans or withdrawals. It's important to factor in cost since premiums for a whole life policy are typically more expensive than term life insurance. Alternatively, you could look into an indexed annuity policy, which can provide an income stream over your lifetime. Ultimately it comes down to evaluating your current situation and future needs.
What riders are available for term life insurance in Lewisville?
In Lewisville, NC, term life insurance offers several additional riders that can be added to your plan to customize and enhance coverage. These riders are available in varying levels and may include Accidental Death & Dismemberment, Disability Waiver of Premium, Primary Beneficiary Change Option, Return of Premium, and Term Conversion. You should consult with your insurance representative to discuss the specific riders available to your plan and ensure you are obtaining the most complete coverage for your needs.
How does a Lewisville term life insurance policy differ from AD&D?
Term life insurance is a type of policy designed to provide financial support to beneficiaries in the event of the policyholder's death. AD&D, or Accidental Death & Dismemberment insurance, is an insurance policy that covers losses due to accidents and specific causes of death. It is meant to provide extra financial protections beyond a traditional term life policy. In Lewisville, NC, term life insurance policies can provide coverage for a specified amount of time, while most AD&D policies are permanent in nature.
What factors should I consider when choosing a Lewisville term life insurance company?
When selecting a term life insurance company in Lewisville, NC, research and review pertinent information to ensure your policy is a good fit for you. Confirm the company is licensed to offer plans in NC, visit consumer review sites to gauge customer satisfaction, and ask the provider if they are a member of any relevant associations or have any specific awards or recognitions. Additionally, research the policy coverage features, assess the reputation of the carrier for claims service, and factor in the policy price against other competing companies to determine if the cost is reasonable for the coverage provided.
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