Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Malibu, CA 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 Malibu, CA. 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 Malibu, CA.
Frequent Questions...
Term life insurance is a type of policy designed to provide financial protection against the impact of death for a fixed period of time. In Malibu, CA, term life insurance can be an important safety net for individuals and families. Since it provides a financial cushion in the event of sudden death, it can ensure that debt obligations and other financial shortfalls are addressed or avoided, providing financial peace of mind during a difficult and emotional time. Term life insurance can even be used to provide income replacement, offering families an ongoing vital source of financial support and stability.
Comparing term life insurance quotes in Malibu with whole life: What's the difference?
In Malibu, CA, the most significant difference between term and whole life insurance is the length of time that the policy is active. Whole life insurance typically covers an individual for their entire life, whereas term life insurance provides coverage for a limited, pre-determined amount of time such as 5, 10, or 20 years. Additionally, whole life premiums tend to remain fixed over time, whereas term life premiums can increase as the owner ages. Finally, whole life insurance also provides the benefits of tax-deferred value accumulation, whereas term life insurance does not.
How do beneficiaries claim death benefits with a term life insurance policy Malibu?
In Malibu, CA, the death benefit works by paying a sum of money to the beneficiary as designated in the policy holder's will or estate. Depending on the type of policy, the insurance company will pay out the death benefit either in a lump sum or in installments. Life insurance death benefits are usually free of both federal and state taxes, and the beneficiary receiving the death benefit is not required to pay taxes on these funds. The death benefit amount typically depends on the policy holder's age, the time since the policy was purchased, and the type of policy.
Can I get a premium refund if I cancel my term life insurance near Malibu?
Yes, you can typically get a refund if you cancel your term life insurance in Malibu, CA. The amount you receive back will depend on the policy in question and the date of cancellation. Keep in mind that there may be additional fees and taxes that are subtracted from your refund. It is advisable to contact your insurance provider directly to learn more details about what types of refunds you may be entitled to.
How does my health affect my term life insurance quote Malibu?
Location is one of the major factors that impact your term life insurance rates in Malibu, California. Your physical health and lifestyle can also affect your coverage rates. The healthier you are, the more likely you are to qualify for lower rates. Factors such as age, sex, health history, family health history, smoking status, and hazardous activities are all taken into consideration when calculating rates. Staying physically active, eating healthy, avoiding risky behavior, and being in good physical shape can all help you qualify for lower rates.
If your nominated beneficiary passes away before you in Malibu, CA, you should update your will or trust with a new beneficiary. It is important to keep your estate planning documents up to date in order to ensure that your wishes and those of your loved ones are reflected in your estate. You may want to consult with a local estate planning attorney to make sure that your new beneficiary nomination is properly documented. In addition, you may also wish to discuss with your attorney any other life changes that could affect your estate planning, such as marriages, divorces, or the birth of children.
Are death benefits from term life insurance policies near Malibu taxable?
Generally speaking, death benefits are generally not taxable if they are paid as part of a life insurance policy. In Malibu, California, life insurance benefits are only subject to taxation if they are a part of a larger estate. If the life insurance policy was part of a employer-sponsored retirement plan or a business partnership, then the benefits may be taxable. Otherwise, the benefits are typically not taxable. Certain people, such as spouses, are exempt from taxation regardless of the source of the benefits. It is important to check with a qualified tax advisor to learn more about your specific circumstances.
What's a return of premium rider in term life insurance in Malibu?
A return of premium rider is a feature designed for life insurance policies which allows the policyholder to potentially receive a refund of their premium payments if they outlive the policy term. In Malibu, CA, a return of premium rider can provide residents with added peace of mind and security. An individual's premium payments could be returned to them or their beneficiaries, creating a valuable source of extra funds for retirement expenses or other major costs.
Should I only depend on a employer-provided Malibu term life insurance policy?
It is usually not a good idea to rely solely on the term life insurance provided by your employer if you live in Malibu, California. As beneficial as employer-provided insurance can be, typically there are limits to this type of coverage. In addition, since you are leaving the decision to your employer, you cannot control changes to the policy, the cost of premiums, or the insurance offerings in general. Instead, it is usually advisable to supplement this insurance with an individual policy that better meets your needs and provides additional coverage for you and your family.
What's the 'free look' period with a Malibu term life insurance company?
A 'free look' period in term life insurance simply refers to the time period an individual has to review the policy they purchased to make sure it meets their needs and situation. In Malibu, CA, this period usually extends for 30 days, enabling customers to cancel the policy without any penalty or surrender charge for any reason. During the free look period, all premiums already paid would be refunded if the customer decides to cancel the policy. It is important to keep in mind this free look period only applies to term life policies and not to Universal or Whole life policies.
Compare Malibu, CA 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