Taking too long? Close loading screen.
Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 New Kensington, PA 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 Kensington, PA. 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 Kensington, PA.
Frequent Questions...
Term life insurance, which is available in New Kensington, Pennsylvania, provides death benefit protection for a predetermined amount of time. The policy provides a death benefit payout to the beneficiaries if the insured passes away during the term of the policy. Term life insurance is a popular choice for people in New Kensington given the coverage it provides for a predetermined period at an affordable cost. It is important to remember that the death benefit does not reach maturity like other types of life insurance, so premiums are paid over the course of the policy period and must be paid each month or else the policy lapses.
Can I get both term life insurance quotes in New Kensington and whole life?
Yes, you can have both term and whole life insurance policies in New Kensington, PA. Term insurance provides coverage for a specific period of time that is generally less expensive than whole life insurance because it does not accumulate any cash value. Whole life insurance is a permanent policy that provides life-long coverage and builds cash value over time, allowing you to borrow against it or use it as collateral. Comparing both types of insurance can help you decide the best course of action for you and your family's needs in New Kensington, PA.
How long is coverage with term life insurance policy New Kensington?
Term life insurance policies in New Kensington, PA can vary in length with the two most common being 10 and 20-year terms. Depending on the plan, you can have a policy that lasts for as little as five years or as long as 30. If you are looking for a long-term solution for financial protection, you can choose to purchase term life insurance with a plan that provides coverage for as long as you live. When selecting a term life insurance policy, consider your current needs as well as future plans to ensure you choose the right term length.
Are there discounts on term life insurance near New Kensington?
Yes, there are various discounts and ways to lower your term life insurance premium, especially if you live in New Kensington, PA. For instance, you might be eligible for discounted rates due to certain health conditions, such as no smoking, regular exercise, or participation in healthy lifestyle programs. Additionally, some carriers offer a group rate if you purchase insurance as part of a larger group plan, such as with an employer. Choosing a longer-term policy could help as well since they generally have lower premiums. You could also benefit from bundling your home and car insurance with your life insurance policy.
With a term life insurance quote New Kensington, does it cover accidental deaths?
In New Kensington, PA, term life insurance generally does cover accidental deaths, but policyholders should check with their insurance provider to ensure they have the coverage they need. Term life insurance in New Kensington, PA, can cover a variety of types of accidents, such as an accidental fall, being hit by a car, or a drowning incident. It is important to note that coverage can depend on your provider, and it may not include high-risk activities, such as skydiving.
In New Kensington, PA, you can change your beneficiary at any point in time as long as you have the proper documents and signatures to do so. The Financial and Tax Office is responsible for suggesting the best course of action to take in order for you to switch your beneficiary. However, it is important to note that you must act fast in order to make sure that the change is made in a timely manner. Be sure to visit the Financial and Tax Office if you have any questions or to discuss the process in further detail.
Can I convert my term life insurance policies near New Kensington to permanent coverage?
Yes, you can convert your term life insurance to permanent coverage in New Kensington, PA. Many life insurance companies offer different types of permanent life insurance that may suite your financial goals and lifestyle. Conversion of term life insurance policies generally requires less evidence of insurability. Speak with an insurance agent in your area to discuss your options and to see which type of permanent life insurance will be the best fit for you. When making this decision it is important to carefully consider the costs, availability, and features of any permanent life insurance policy before making a decision that is right for you.
What riders are available for term life insurance in New Kensington?
In New Kensington, PA you can add an array of riders to your term life insurance policy. These include Critical Illness, Accident Indemnity, Waiver of Premium, and Return of Premium. Each of these riders provide additional benefits to you and your loved ones when the unexpected happens, helping you through financially trying times. Critical Illness coverage gives a lump sum payout upon a diagnosis of a covered illness. Accident Indemnity provides coverage if you are injured in an accident and your income is affected.
How does a New Kensington term life insurance policy differ from AD&D?
Term life insurance is a form of coverage that lasts for a set period of time, such as 10, 20, or 30 years. If you die during the period of that policy, the insurance company pays the designated amount to your beneficiary. AD&D, or accidental death and dismemberment insurance, provides coverage in the event of accidental death, which could include a car crash, falling off a ladder, or drowning. AD&D insurance covers permanent loss of limbs, vision, hearing, or speech.
How do I apply with a New Kensington term life insurance company?
Applying for term life insurance in New Kensington, PA is a straightforward process. Start by researching policies and local providers to ensure you get a policy that meets your needs. Next, you should speak with an insurance agent to discuss policy specifics and learn more about coverage options. This will help you determine the best term life insurance plan for you and your family. Once you’ve decided on a policy, you’ll need to answer a few questions about your health and finances. Following which, you must submit the requested documents and attend an in-person or telephone interview.
Compare New Kensington, PA 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
