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"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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"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.
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With PolicyHub getting started is easy. Compare all the Term Life Insurance rates from all the providers in Yuma, AZ. 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.
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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 Yuma, AZ.
Frequent Questions...
Term life insurance in Yuma, AZ provides a dependable and cost-effective way of protecting one's family against financial hardship that could be caused by the death of a primary breadwinner. When the policy expires before the death of the insured, the additional premiums can help to safeguard against the costs of living that may occur as the result of an unexpected death. Term life insurance is typically chosen by individuals who are looking for protection over a specific amount of time to ensure their loved ones are financially secure.
Which is more cost-effective: term life insurance quotes in Yuma or whole life insurance?
In Yuma, AZ, term life insurance is typically the more affordable option when compared to whole life insurance. Term life insurance pays out a benefit to your beneficiaries in the event of your death, but does not accumulate a cash value over time. Generally, the premium costs of term life insurance are lower than whole life insurance, allowing you to purchase more coverage for a lower price. Whole life insurance can be more expensive due to the added benefit of having a reduced amount payable in the event of death and cash value accumulation.
What happens to my term life insurance policy Yuma after the term ends?
At the end of the term in Yuma, AZ, many people prepare for the holidays or their next adventure. For those living in Yuma, this is the perfect time to plan that summer trip to the Colorado River or to attend the renowned Yuma Hullabaloo Carnival. For students, the end of the term marks the start of finals week and summer break ahead. By the end of the term, individuals have the opportunity to celebrate their accomplishments, enjoy the vibrant city of Yuma, and look forward to a well-deserved break.
How do term life insurance near Yuma calculate term life premiums?
The premium for term life insurance is based on several factors that vary for each individual. In Yuma, Arizona, those factors usually include the age and gender of the insured, their health history, occupation, the requested amount of coverage, as well as the duration and type of coverage needed. Additionally, certain activities such as smoking or skydiving can increase the premium, as well as special risk occupations like flying or construction. Insurance providers in Yuma also often take other factors into consideration such as the insured's credit score, driving history, and any other pertinent information.
How does my health affect my term life insurance quote Yuma?
Your health has an important impact on the rates of your term life insurance in Yuma, AZ and around the country. Insurers use the information obtained on your health to determine how much risk you pose and to calculate your premiums accordingly. Generally, life insurance companies may offer lower premiums to those who are in good health, however those with poorer health may pay much higher rates or even be declined coverage. Maintaining your health is thus an important factor in obtaining an affordable term life insurance policy in Yuma, AZ.
In Yuma, AZ, a secondary beneficiary typically has the same rights as a primary beneficiary to receive benefits such as Social Security, life insurance, or other insurance policies. However, they are only eligible to receive these benefits should the primary beneficiary pass away. Furthermore, some types of trusts, such as a specialized trust for disabled persons, may also designate someone as the secondary beneficiary in order to provide financial support to the primary beneficiary should they become incapacitated or die. In such cases, the secondary beneficiary will become the new trustee and will control the trust's assets.
How are death benefits paid out in term life insurance policies near Yuma?
In Yuma, AZ, death benefits from a term life insurance policy are typically paid out in a lump sum. The insurance company will assess the policy holder's current situation and beneficiary information to determine the payment amount. Generally the payment will be made directly to the beneficiary or to the estate of the deceased policy holder if a beneficiary has not been previously selected. The payment can be used to cover funeral expenses, pay off debts, or for any other purpose that the beneficiary selects.
Can I add a child rider to term life insurance in Yuma?
Yes, you may add a child rider onto your policy in Yuma, AZ. At ABC Insurance we understand that life in Yuma offers so many wonderful opportunities for children. That's why we've added a special child rider to our policies, so families can protect their children and their dreams. This rider extends your policy to include coverage for hospital visits, accidents, vacations, and other health-related expenses for children 18 and under. Please contact us to learn more about adding this rider to your policy today.
Should I only depend on a employer-provided Yuma term life insurance policy?
It is advisable not to depend exclusively on the term life insurance provided by your employer in Yuma, AZ. The best choice would be to get a term life insurance policy of your own so that you can tailor it to your specific needs. A policy you choose to purchase yourself could provide income replacement, ensure financial security for those you care for, and guarantee that your family obligations are taken care of in the event of your death.
How do I apply with a Yuma term life insurance company?
Residents of Yuma, AZ who are seeking term life insurance can start the process by getting a free quote from a local insurance agency, or by researching online providers. From there, applicants will likely need to fill out a short application form, provide their personal contact information as well as perceived health history, and may also need to participate in a medical exam to qualify for life insurance coverage. After the application process is complete, the insurance provider will review the applicant's information and make a coverage decision within a reasonable time-frame.
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