Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 New Brighton, MN 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 New Brighton, MN. 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 New Brighton, MN.
Frequent Questions...
Term life insurance is a type of life insurance policy that provides coverage for a set period of time, which usually ranges from 10-30 years. In New Brighton, Minnesota, having a term life insurance policy is a great way to provide financial protection for your loved ones in case of your passing. The policy can provide much needed funds that can help cover expenses like funeral costs, medical bills, mortgage payments, and more. At the end of the term period, you can adjust your policy, switch, or even discontinue your coverage.
Which is more cost-effective: term life insurance quotes in New Brighton or whole life insurance?
In New Brighton MN, the most affordable option for life insurance depends on the person's specific needs and budget. Term life insurance, which includes a low-cost premium, offers comprehensive coverage for a specific period of time while whole life insurance has higher premiums but provides onward coverage for life. To determine the most affordable option for you, it's important to consult with a professional who can assess your needs and provide a more comprehensive understanding of which type of policy best aligns with your finances and coverage needs.
What happens to my term life insurance policy New Brighton after the term ends?
At the end of the term in New Brighton, MN, many things occur. Schools in the area begin summer break, festivals are thrown to commemorate the end of term, and beloved local businesses offer discounts to residents and visitors alike. The city also throws block parties and celebrates the start of the summer season with free concerts, fireworks, and festivities that draw locals and tourists to the area. At the same time, government organizations such as the city council and county commissioners host meetings to review new initiatives and plan for the upcoming year.
Are there discounts on term life insurance near New Brighton?
In New Brighton, Minnesota, there may be certain discounts or ways to lower your term life insurance premium depending on your provider. Shopping around to different companies and comparing costs can help you find the best rate possible. You may be eligible for discounts based on your age, health status, or occupation. You may also qualify for additional discounts from certain insurers that reward healthy lifestyles. Ask your agent about any available discounts or ways to reduce your policy premium.
What medical tests are required for a term life insurance quote New Brighton?
If you live in New Brighton, MN and are looking to take out a term life insurance policy, it is likely that you will need to go through some form of medical evaluation. In general, life insurance companies will require a basic health history to be completed, as well as an overall health assessment. Depending on your age and coverage desired, you may be asked to submit a urine or blood sample, an electrocardiogram (EKG), and possibly a stress test.
Yes, you can have multiple beneficiaries in New Brighton, MN, when filling out necessary paperwork. For example, when creating a Last Will and Testament, you can name multiple beneficiaries in the event of your passing. This will allow you to designate a certain portion of your estate to a specific beneficiary, which can also be further subdivided to a secondary beneficiary in the event of a primary beneficiary's passing. Additionally, you can establish an account with multiple beneficiaries at a bank within the New Brighton area, which would allow for the asset to be shared amongst those you have designated.
Are death benefits from term life insurance policies near New Brighton taxable?
In New Brighton, Minnesota, death benefits are subject to taxation, but the amount owed in taxes depends on the types of benefits paid out, the value of the estate, and other factors. Income taxes may be due on the beneficiary's personal tax return if the payments are a lump sum or annuity. Estate taxes may also be owed on the death benefit payments, depending on the total value of the estate. It is generally a good idea to discuss the tax implications of any death benefit payment with a knowledgeable professional, such as an accountant or tax advisor.
What's a return of premium rider in term life insurance in New Brighton?
A Return of Premium rider is a life insurance policy add-on typically available in New Brighton, MN, and elsewhere that refunds any unspent premiums at the end of the policy's term or upon the policyholder's death. This rider is designed to provide policyholders in New Brighton, MN with more security and peace of mind as they know that any money that has been paid into the policy will be returned either upon the policyholder's passing or when the policy ends, so they don't just lose out on the investment.
Should I only depend on a employer-provided New Brighton term life insurance policy?
In New Brighton, MN, it is usually not advisable to rely solely on term life insurance provided by an employer. While some employer-provided plans may offer coverage for you and your family, most term policies provided by employers are only basic plans, which may not provide the coverage you require. Additionally, you may not be able to port the policy outside of your current employer, meaning that if you change jobs, you will likely have to purchase an additional policy.
How do I apply with a New Brighton term life insurance company?
To apply for term life insurance in New Brighton, MN, you should first find a licensed life insurance agent in the area. They can provide you with advice and help you determine the most suitable policy for your needs. Next, you'll need to submit an application, which includes a series of questions about your age, occupation, medical history, and lifestyle. The life insurance company may request additional information from you, such as a physical exam, to confirm your answers. Finally, the company will review your application and, if approved, issue you a policy.
Compare New Brighton, MN 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