Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Queens, NY 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 Queens, NY. 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 Queens, NY.
Frequent Questions...
In Queens, NY, term life insurance is a valuable option for individuals to provide financial security for their loved ones in the event of their death. Term life insurance provides important coverage for an affordable cost and can be tailored to fit the individual or family's needs. It can provide beneficiaries with money to cover end-of-life expenses, income for survivors, and funds to meet long-term goals, as well it can give policy holders peace of mind knowing they are protecting their family's financial future.
Comparing term life insurance quotes in Queens with whole life: What's the difference?
Term life insurance is a form of insurance that only provides coverage for a specific, predetermined number of years. Whole life insurance, on the other hand, provides insurance coverage for your entire life and can also build up a cash value component over time. In Queen's, NY, you should consider purchasing life insurance if you want to provide financial protection for your loved ones in the event of your death. With term insurance, you can opt to purchase a policy that would cover you through a predetermined period, such as retirement.
How do beneficiaries claim death benefits with a term life insurance policy Queens?
In Queens, NY, a death benefit typically refers to a payment made by a life insurance provider to the beneficiary when the insured individual passes away. These payments, often referred to as death benefit claims, are designed to provide financial assistance to the insured individual's family in the event of his or her death. Generally, the death benefit is paid out in a lump sum and may be used to cover expenses such as funeral costs, existing medical bills, debts or taxes, and to make up for any lost income.
What payment options are available for term life insurance near Queens?
In Queens, NY, policyholders can select a variety of payment frequencies for their premiums. For instance, you can opt for an annual payment, which involves paying the full premium once each year; alternatively, you can choose to make installment payments on a quarterly, bi-monthly, or monthly basis. If you're looking for a more tailored approach that works best for your budget, our agents are happy to discuss different payment options and help you find the perfect frequency for your needs.
What medical tests are required for a term life insurance quote Queens?
It depends on the insurer and the amount of coverage that you are asking for, but for term life insurance in Queens, NY, you typically may need to provide a medical history report from your primary care physician, supply family health records, and complete a blood or urine test. Additionally, you should be ready to answer questions about the specific activities you engage in such as extreme sport or hazardous hobby. It is important to note that medical tests for different policies will vary; however, many life insurance policies will also require a physical examination.
To nominate a beneficiary for your term life insurance if you live in Queens, NY, you will first need to contact your insurance company and ask them for the required forms. They will provide you with the necessary documents which may include information for a beneficiary designation or registration of ownership forms. Additionally, you will need to provide the insurance company with the beneficiary's full name, Social Security Number, and date of birth. Once you have completed the forms and submitted them to the insurance company, your beneficiary designation will officially be registered.
What happens if I outlive my term life insurance policies near Queens?
Living in Queens, NY, provides many options that can help you if you outlive your term life insurance. For instance, you can explore a permanent life insurance policy such as whole life insurance, which can provide a death benefit and cash value that can be redeemed. Alternatively, you can look into the wide variety of annuities available, providing you with consistent payments throughout retirement. Many New York Health care organizations offer comprehensive retirement savings plans as well. These retirement savings opportunities can be tailored to your needs and can offer significantly more consistent cash flow throughout retirement.
What's a return of premium rider in term life insurance in Queens?
A Return of Premium Rider is a valuable policy addition available to life insurance policyholders in Queens, NY. This rider provides an important financial benefit, allowing for the return of all or some of the premium payments made over the course of the policy if certain conditions are met. This provides financial security by potentially returning your premiums if you no longer need to continue with your policy or do not meet the requirements of the policy. For those living in Queens, a Return of Premium Rider is an option to consider when securing life insurance.
Is a joint Queens term life insurance policy available for couples?
Yes, you and your spouse can purchase joint term life insurance policy in Queens, NY. Term life insurance provides coverage for a predetermined amount of time, such as 10, 20 or 30 years. This type of policy allows couples to combine their coverage in one policy, providing the utmost protection for both spouses. Not only does a joint policy cost less than two separate policies, but typically, the application process is automated and very straightforward. In Queens, working with an experienced Queens life insurance broker with knowledge and experience will help ensure you and your spouse get the best term life insurance policy for your needs.
How do I check the legitimacy of a Queens term life insurance company?
In Queens, NY, one of the best ways to verify the credibility of a term life insurance provider is to check consumer reports or insurance ratings organizations, such as A.M. Best, Moody's, or Fitch. Additionally, you can search online for reviews of the provider from customers in Queens or the surrounding area. Before making a final decision, contact the provider directly to compare rates and ask for any additional information. Doing your due diligence will help ensure you make an educated decision when selecting a term life insurance provider in Queens, NY.
Compare Queens, NY 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