Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Schofield Barracks, HI 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 Schofield Barracks, HI. 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 Schofield Barracks, HI.
Frequent Questions...
Term life insurance is the optimal choice for individuals stationed at Schofield Barracks, HI who are in need of coverage but have limited financial resources. Term life insurance provides guaranteed financial security in the event of a premature passing, often at an affordable monthly premium that could fit even the tightest of budgets. Additionally, in the event of a coverage lapse or military transfer, the policy's death benefit will remain in force until the end of the term.
Comparing term life insurance quotes in Schofield Barracks with whole life: What's the difference?
At Schofield Barracks, HI military personnel have the choice between term and whole life insurance policies. Term life insurance provides coverage for a set amount of time (or term) that can typically range from 5 30 years, and is cheaper than whole life insurance. Whole life insurance provides permanent coverage that includes an investment component. Whole life insurance premiums are more expensive than term life insurance and accumulate cash value to help cover costs of the insurance. In addition to this, a portion of your payments may even go towards the investment component, which can also accumulate value over time.
How long is coverage with term life insurance policy Schofield Barracks?
Generally speaking, term life insurance lasts for a set period of time, usually 10 to 30 years. At Schofield Barracks, HI, the term life insurance provided by USAA can range from 10, 15, 20, or 30 years, and you can choose the duration of your insurance that fits your needs. The payments you make will depend partly on how long you choose your term to be. The longer the term, the larger the payments will be, and you may even qualify for lower rates the longer you ensure you're covered.
Can I get a premium refund if I cancel my term life insurance near Schofield Barracks?
While cancellation is an option for Schofield Barracks, HI term life insurance policyholders, refunds are not typically provided if the policy is cancelled. However, if the policy is cancelled within a specified grace period, you may be eligible for a refund of any premiums you have paid for coverage that has not yet taken effect. Additionally, you should be aware that if your policy has been in effect for more than two years, you may be eligible for a surrender value depending on your company's policy. For more information, please contact your insurance representative to discuss your rights and options.
How does my health affect my term life insurance quote Schofield Barracks?
Living a healthy lifestyle can greatly impact your term life insurance rates at Schofield Barracks, HI. A healthy lifestyle that includes regular exercise, eating nutritious foods, and staying away from substances like tobacco may qualify you for more affordable rates. On the contrary, an unhealthy lifestyle such as being overweight or having a history of smoking may make you subject to higher premiums. To ensure you receive the most competitive rates, it’s best to maintain a healthy lifestyle and keep up with regular checkups, as this demonstrates to your insurer that you’re taking steps to maintain your health and longevity.
If your nominated beneficiary passes away before you here at Schofield Barracks, HI, you would need to update your profile with a new named beneficiary. Any funds due or accrued to the deceased prior to their passing would go through the legal necessary channels of a probate process. It is essential that you update your beneficiary information to make sure your intended recipient receives the benefits of your account. You can contact your local Legal Assistance Office on Schofield Barracks for more detailed information regarding the processes involved with nominations regarding a deceased individual.
Are death benefits from term life insurance policies near Schofield Barracks taxable?
Whether death benefits are taxable will depend on the type of benefit received and the state of residence of the deceased and the survivor. In the State of Hawai'i, any death benefit that is more than $10,000 is taxable. Additionally, some military survivors with connection to Schofield Barracks may be eligible to exclude a portion of their death benefits from their state income taxes. Survivors should speak to a certified tax professional to determine if they are eligible for the deduction.
What's a return of premium rider in term life insurance in Schofield Barracks?
A Return of Premium Rider is an optional add-on to a life insurance policy that guarantees a return of the premiums paid if the policyholder outlives the policy. It is a great option for those stationed in Schofield Barracks, HI, to ensure that their financial security lasts into their golden years, and that their family is provided with the financial protection they need. This rider offers a substantial return of the premiums paid, typically around 90%, when the policy term is complete.
Should I only depend on a employer-provided Schofield Barracks term life insurance policy?
At Schofield Barracks, HI and elsewhere, relying solely on employer-provided term life insurance is not usually enough. Although this coverage can provide a certain level of security in the event of an unexpected death, it typically will not provide enough protection for people and families with long-term financial needs. Consider supplementing your employer term life policy with additional, more comprehensive coverage through an independent provider that can offer options tailored to you and your family’s needs.
What's the 'free look' period with a Schofield Barracks term life insurance company?
A 'free look' period in term life insurance is an optional feature that allows policyholders stationed at Schofield Barracks, HI to review their new policy for a select window of time and determine whether it is the right coverage for them. During this period, they can cancel the policy for any reason without acting charged a cancellation fee and receive a full refund of their premium. This provides important peace of mind to service members at Schofield Barracks who may be transitioning to new stations, face changing family needs, or need to adjust to changes in their finances.
Compare Schofield Barracks, HI 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