Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Portsmouth, NH 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 Portsmouth, NH. 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 Portsmouth, NH.
Frequent Questions...
Term life insurance is best suited for people in Portsmouth, NH who want an affordable way to provide financial protection for their family in the event of an unexpected death. With term policies, you get the peace of mind knowing your beneficiaries will have the funds they need to either maintain their lifestyle or pay off debts like a home mortgage. Furthermore, if an individual has young children, they can ensure that educational expenses are taken care of, even when they are no longer around.
Comparing term life insurance quotes in Portsmouth with whole life: What's the difference?
The primary distinction between term and whole life insurance is based on the length of the policy and the complexity of the coverage offered. Term life insurance provides coverage for a limited timeframe and is used to provide affordable protection for the policyholder's dependents, while whole life insurance provides lifelong coverage and tax advantages, such as loans or cash value accumulation. For residents of Portsmouth, NH, it is important to consider the advantages of both term and whole life insurance when making a decision about which policy is best for them.
How long is coverage with term life insurance policy Portsmouth?
Term life insurance in Portsmouth, NH typically lasts from 10 to 30 years, depending on the policy you purchase. The length of the term is generally based on your needs at the time, such as if youβre expecting children or have significant debts that will take time to pay off. The length of the policy is decided at the time you purchase it, so itβs important to weigh all of your current needs and expectations to determine the terms that will best serve you.
Do premiums with term life insurance near Portsmouth increase with age?
In Portsmouth, NH, age is not a factor that impacts the pricing of insurance premium. However, it's important to keep in mind that health risks, physical risks and lifestyle changes that come with aging can potentially affect the cost of your premium, depending on what type of insurance you are purchasing. Keeping a healthy lifestyle and up-to-date records of your regular check-ups can help you protect your health and keep your premium cost low.
Does a term life insurance quote Portsmouth cover deaths from extreme sports?
Term life insurance in Portsmouth, NH can cover unexpected deaths caused by extreme sports or dangerous activities depending on the policy specifics. Policies may offer extra coverage, so it is best to discuss the details with an insurance specialist to ensure your specific needs are met and appropriate protection is provided. Make sure to read the fine print to get an accurate understanding of the coverage and what is excluded.
In Portsmouth, NH, nomination of a beneficiary for term life insurance can be done in person at your insurance provider's office, or via mail. Your insurance provider should provide you with a nomination form that needs to be completed and then submitted or delivered with the applicable documentation, such as birth certificates, Social Security numbers, etc. It is important to take your time completing the nomination form and to double-check before submitting it, as any omission or errors can cause delays in the nomination process. As a final step, make sure to check if any additional documentation or action is needed with your insurance provider.
Are death benefits from term life insurance policies near Portsmouth taxable?
Whether or not death benefits are taxable in Portsmouth, NH depends on the type of benefit you receive, as well as your individual circumstances. Generally, life insurance proceeds or other non-governmental death benefits are not taxable, whereas benefits from annuities and certain government benefits, such as Social Security, may be taxable. Additionally, any estate or inheritance managed by an executor may amplify or reduce the taxes applicable to any type of death benefit. For more information regarding any potential taxable repercussions of receiving death benefits, please consult with a tax professional.
Is there a waiver of premium rider for term life insurance in Portsmouth?
Yes, in Portsmouth, NH, policy holders may choose to add the waiver of premium rider to their policy. This rider basically allows policy holders to continue collecting their policy benefits without having to pay premiums in the event of disability or involuntary unemployment. Depending on the policy, some riders cover both of these scenarios, while some may be more limited. When policy holders are unable to continue making payments, this waiver provides an optional way to keep their policy active. It's important to note that there is usually an additional cost attached to this rider and the terms and conditions will vary between different insurers.
Is a joint Portsmouth term life insurance policy available for couples?
Absolutely purchasing a joint term life insurance policy with your spouse is a great way to protect your family's financial future in Portsmouth, NH. Not only can this provide valuable benefits for your beneficiaries such as lifestyle protection should either you or your spouse pass away, but it can also be a great way to save money with a joint policy as compared to individual policies. Most major life insurance providers offer affordable joint life insurance policies with minimum coverage levels to fit any budget. Additionally, coverage can usually be increased with ease should you decide to do so in the future.
How do I apply with a Portsmouth term life insurance company?
If you live in Portsmouth, NH, and you are interested in applying for term life insurance, a great place to start is Allstate. They provide term life insurance options tailored to meet your specific financial needs, such as Whole, Universal and Term policies. To get started, you should contact a local Allstate agent to discuss your insurance options, and they will provide you with personalized advice regarding the best level of term life insurance coverage. After understanding the level that best suits your lifestyle, you will fill out an application.
Compare Portsmouth, NH 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