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Compare over 37 Term Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 St. Louis, MO Term Life Insurance policy providers in as little as 15 minutes. Save time. Save big. Get started now.
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Over 37 policy provider comparison.
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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
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Step 1
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Finding the perfect life insurance policy starts with answering a few questions to help us serve you better.
Step 2
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Discuss your options with a licensed insurance agent. Compare plans to find the best policy & cheapest rates.
Step 3
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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 St. Louis, MO. 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.
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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 St. Louis, MO.
Frequent Questions...
Term life insurance is a comprehensive plan of financial protection that can help St. Louis families secure their livelihood in the event of an untimely death of the insured. Term life insurance offers coverage for a specified length of time, such as 10, 20, or 30 years. With a term life policy, St. Louis families can be assured that in the event the insured dies during the specified policy period, the beneficiaries will receive death benefits. This can provide peace of mind that a family's financial future will be secure in their time of need.
Comparing term life insurance quotes in St. Louis with whole life: What's the difference?
In St. Louis, MO, term life insurance is a cost-effective way to provide a financial safety net for loved ones you leave behind. It offers coverage lasting several years, generally up to age 95. On the other hand, whole life insurance provides a lifelong policy with fixed premiums and guaranteed cash value growth, but generally costs more than term life insurance. Whole life insurance is best for individuals wanting financial stability for their entire lives, ensuring the policy will be paid in full when the insured passes away.
How long is coverage with term life insurance policy St. Louis?
In St. Louis, MO, term life insurance plans can range anywhere from 10-30 years, depending on your specific situation. Your insurance provider, as well as the policy that you select, will determine the specifics of your plan. It is important to review your options and make sure you choose the policy that best meets your family's needs. Shop around for the best rate and plan, and research the company you're considering to be sure you have a reliable provider. No one should have to worry about leaving their family unprotected in the event of an unexpected death.
Can I get a premium refund if I cancel my term life insurance near St. Louis?
Yes. In St. Louis, MO, you can get a refund if you cancel your term life insurance policy. Depending on the state and insurance company, you may be eligible for refunding a portion of your insurance premiums or a pro-rated refund based on the length of the policy for which you have paid. Even if you haven't paid the initial premium yet, you may be refunded in different ways based on different policies. Your best option would be to contact your insurance agent to obtain more information about the specifics of your policy and the potential for a refund.
Can smokers get a term life insurance quote St. Louis?
Yes, you can get term life insurance if you are a smoker in St. Louis, MO. However, the premiums for a term policy may be higher because, typically, insurers charge a higher premium to cover the additional health risks associated with smoking. As such, it's important to research various life insurance policies and rates within St. Louis to make sure you're getting the best deal for your coverage. Local, experienced agents may also be able to offer advice on how to lower premiums and find the right insurance coverage for your needs.
Depending on the provider, residents of St. Louis, MO can nominate a beneficiary for their term life insurance in person, over the phone, or online. Once you have filled out the relevant forms, you will need to submit them to the insurance company or agent you are working with. They can help guide you through this process and provide you with the specific information you'll need to include when submitting your beneficiary nomination.
Can I convert my term life insurance policies near St. Louis to permanent coverage?
If you are looking to convert your term life insurance coverage to more permanent coverage and you live in St. Louis, MO, there are a few options to consider. You may be able to convert your current policy to a permanent life insurance policy, such as a whole life policy, without any additional medical underwriting. Or, you could contact a local life insurance provider in St. Louis to explore different types of permanent insurance products such as universal life, indexed universal life, or variable universal life policies that can provide lasting protection.
Is there a waiver of premium rider for term life insurance in St. Louis?
Yes, there is a waiver of premium rider available in St. Louis, MO. A waiver of premium rider allows policyholders to receive monthly payments if they become disabled, reducing the financial burden of monthly premiums. To qualify for this rider, policyholders must meet specific criteria such as having a long-term or permanent disability, and premiums must be up-to-date. Additionally, St. Louis insurance providers may have their own specific criteria that must be met to be eligible for the waiver of premium rider.
Group vs. individual St. Louis term life insurance policy: What's the difference?
Group term life insurance policies through work in St. Louis, MO tend to offer greater coverage than individual policies, as coverage is based on a group master policy. Such work policies may also have a single fee that covers the entire group, covering active and retired employees as well. Furthermore, there may be bonuses that kick in when individual employees reach certain milestones, such as a 25-year anniversary with an employer. Lastly, those who participate in the group term life insurance policy can often convert their policy to suit their individual needs after they leave their employment.
How do I check the legitimacy of a St. Louis term life insurance company?
In St. Louis, MO, a great way to verify the credibility of a term life insurance provider is to check the ratings with an independent ratings organization, such as A.M. Best. A.M. Best is a respected leader in insurance ratings, with an experienced team of analysts who are well-equipped to evaluate the financial strengths and capability of competing term life insurance providers. You can access the ratings by visiting the A.M.
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