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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 Virginia Beach, VA 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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Tell us about yourself.
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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 Virginia Beach, VA. 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 Virginia Beach, VA.
Frequent Questions...
Term life insurance provides protection for a specific length of time and offers coverage for individuals living in Virginia Beach, VA. It is intended to offer financial security to loved ones in the event of the policyholder's death within the specified coverage period. This coverage can help provide peace of mind for the policyholder since it can pay off debts or other liabilities, provide ongoing financial support to individuals, and provide funds to cover funeral costs. Term life insurance can be a beneficial way to protect the ones you love in the case of an unexpected loss in Virginia Beach, VA.
Can I get both term life insurance quotes in Virginia Beach and whole life?
Absolutely, you can have both term and whole life insurance if you live in Virginia Beach, VA. Term life insurance provides coverage for a limited period of time while whole life insurance allows you to build cash value over the long term and typically comes with guaranteed premiums. In Virginia Beach, VA you can find independent insurance agents that will provide you with the coverage you want and need to make sure you and your family are fully protected.
Are there age limits for a term life insurance policy Virginia Beach?
Generally speaking, term life insurance policies in Virginia Beach, VA are available to people between the ages of 18-80. Depending on the provider, you may need to be at least 21 in order to buy a policy. You should also evaluate a pre-existing medical or family health history before choosing any life insurance policy, as this may affect your eligibility. If you are looking for a longer-term policy, you could consider a whole life policy, which may provide more long-term stability with a fixed premium, although these tend to be pricier.
How do term life insurance near Virginia Beach calculate term life premiums?
Premiums for term life insurance in Virginia Beach, VA are primarily determined by factors such as age, gender, and health. Premiums can also vary based on the length and amount of the coverage you are seeking. The good news is that rates in Virginia Beach tend to be very competitive, making it easier than ever for people to find the coverage they need without breaking the bank. Your insurance specialist in Virginia Beach should be able to provide you with an accurate quote to help you make an informed decision and ensure that you are getting the best rate possible.
Can smokers get a term life insurance quote Virginia Beach?
Yes, you can get term life insurance if you're a smoker in Virginia Beach, VA! Many insurance companies offer competitive life insurance rates for smokers, so it's a good idea to compare them on an individual basis to find the best coverage and premium options. Getting term life insurance in Virginia Beach, VA is fairly easy – you just have to provide information about your occupation, height, weights, and lifestyle, in addition to your smoking history. The term life insurance policy should also conform to the Virginia Beach local laws and regulations.
If your nominated beneficiary passes away before you in Virginia Beach, VA, you will need to update your beneficiary information and fill out a new beneficiary form. According to the Virginia Beach city code, only the personal representative of your beneficiary's estate can be designated as the beneficiary. If you do not have a primary or secondary beneficiary, the assets will usually be distributed according to the state's laws of intestate succession. If you have further questions about a beneficiary passing away, feel free to contact the Virginia Beach Office of the City Clerk for more information.
How are death benefits paid out in term life insurance policies near Virginia Beach?
In Virginia Beach, VA, death benefits from term life insurance will generally be paid to policy beneficiaries as a lump sum payment, though some policies may also offer the option of receiving payments in the form of installments. In either scenario, all benefits should be distributed promptly once the insurer has received proof of death. Beneficiaries must inform the insurer of the policyholder’s passing to make sure all documents are properly filed and there are no delays in receiving the death benefits.
Is there a waiver of premium rider for term life insurance in Virginia Beach?
Yes, the 'Waiver of Premium Rider' may be available in Virginia Beach, VA. Depending on which type of policy you purchase, certain protections may be included at no additional cost. This rider may waive the premium when the insured becomes disabled and is unable to work. This means the policy remains in force while the insured is unable to make payments. Certain qualifiers may apply, and you can inquire about the details from an independent insurance expert in Virginia Beach, VA. This rider is an important protection that could be available to you; be sure to ask your insurance provider if you are eligible.
Can I get a Virginia Beach term life insurance policy for my family?
Yes, you can purchase term life insurance for your family members if you live in Virginia Beach, VA. The cost of the premiums may vary depending on your family members’ age, health, and lifestyle. To get a term life policy for your family members, you’ll need to provide pertinent health information and details on the policy's terms and conditions. A life insurance agent in Virginia Beach can help you compare different policies to make sure you get the coverage you need at an affordable rate.
How do I apply with a Virginia Beach term life insurance company?
Residents of Virginia Beach, VA looking to apply for term life insurance have options available to them. Those who meet eligibility requirements should start by gathering information and resources. It's advisable to shop around to compare rates and terms from different agencies. Documents such as proof of identity, employment record, and medical history will be needed to move on with the application process. Finding a reputable insurance agency to work with is important, as they will assist with completing the application, offer advice, and guide applicants throughout the whole process.
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