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Compare over 37 Whole Life Insurance policies in as little as 15 minutes.
With PolicyHub you get to compare over 37 Lexington, NC Whole 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.
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 Whole 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.
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 Whole 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
Whole 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 Whole Life Insurance rates from all the providers in Lexington, NC. Get started in under 15 minutes.
All your Whole Life Insurance needs in one place.
Looking for whole life insurance? We've got you covered. PolicyHub makes it easy to find the best whole life insurance policy for you and your family. Whether you need traditional, single-premium, limited-payment, or variable whole life insurance, you'll find the best rates right here at PolicyHub.
Traditional whole life insurance provides a guaranteed death benefit, fixed premiums and a cash value component that grows over time. It's ideal for those seeking lifelong coverage with consistent payments. Single-premium whole life insurance requires a lump-sum payment upfront in exchange for a guaranteed death benefit. This policy suits those who have a large sum of money they wish to convert into a life insurance policy quickly.
Limited-payment whole life insurance allows policyholders to pay off their policy over a set period of time, after which no further premiums are due, but the coverage continues for life. Variable whole life insurance offers a death benefit and a cash value component that can be invested in sub-accounts, similar to mutual funds. This policy is suitable for those comfortable with investment risk, seeking potential for cash value growth.
Save time and get the best Whole Life Insurance policy with the cheapest rates. Guaranteed.
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Real PolicyHub testimonials...
"I knew I needed Whole 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 Whole Life Insurance agent.
Roy Stephens
Whole life insurance agent
Roy Stephens is a whole life insurance agent licensed in your state.
Mark Sidway
Whole life insurance agent
Mark Sidway is a whole life insurance agent licensed in your state.
Cale Reeves
Whole life insurance agent
Cale Reeves is a whole life insurance agent licensed in your state.
"I was searching for Whole 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 Whole Life Insurance in Lexington, NC.
Frequent Questions...
Whole life insurance provides lifelong coverage whereas term life insurance typically covers policyholders for a fixed period of time, like 10, 20, or 30 years. In Lexington, NC, whole life insurance policies come with an array of benefits, such as an investment component, permanent protection, and a cash value feature that helps your policy increase its value tax-deferred over time. As a policyholder, you are able to access these cash values and borrow against them after a certain period. Term life insurance, on the other hand, offers protection with no cash value buildup.
Do whole life insurance companies in Lexington cover accidental death?
Yes, whole life insurance policies typically cover accidental deaths in Lexington, NC. This type of coverage protects policy holders and their beneficiaries from financial hardship they may face due to an unfortunate incident. Policy holders can have peace of mind knowing that their policy pays out a death benefit to the chosen beneficiary in the event of the policy holder's death. Depending on the policy and insurer, some may offer additional coverage for accidental death benefits. It's important to review all the details of any life insurance policy to ensure it's the right policy for your needs.
How are premiums for a whole life insurance policy Lexington different from term insurance?
Premiums for whole life insurance in Lexington, NC differ from those for term insurance in that whole life insurance policyholders pay a fixed premium over the life of the policy, providing coverage for the insured's entire lifetime. Whereas with term insurance, the policyholder pays temporarily over a set period of time (the term of the policy) and once the term is over, the policyholder must renew the policy in order to remain covered. Additionally, whole life policies typically include a cash value component that may be borrowed against, whereas term insurance does not have a cash value component associated with it.
How does whole life insurance near Lexington stand against universal life insurance?
Whole life insurance is a type of permanent insurance, meaning it covers you for life. Universal life insurance is also a permanent policy and is a type of flexible policy that allows you to adjust the amount or frequency of your premiums, or even take out loans against the value of your policy. Universal life insurance in Lexington, NC may be a better fit for those who have fluctuating income or those who want to adjust their premiums and death benefit from time to time to fit their needs.
Can I modify the payment schedule with a whole life insurance company Lexington?
Absolutely! The payment plan for your whole life policy with Lexington, NC is completely customizable! We know that everyone is different, with different needs and objectives. That's why we'll work with you to make sure that the plan is just what you need, whether that means changing the mode of payment, the frequency of premiums, or even the duration of the policy. So don't stress-we are here to help!
In Lexington, NC, whole life insurance offers several guarantees that can provide peace of mind. Your premium amounts are fixed, so you'll know month to month what your payments will be. Your death benefit is also guaranteed should something happen to you, helping to provide financial security for your loved ones. Additionally, whole life insurance builds maximum cash value over time, meaning that you can borrow against your policy should you require additional funds. Finally, it provides an element of estate planning, allowing you to leave a legacy to your heirs.
Can I take a loan against my policy's cash value with whole life insurance policies near Lexington?
In Lexington, NC, there is the possibility to take a loan against the cash value of your whole life policy. To apply, you must first speak with a Lexington-based life insurance agent to discuss your options. Depending on your specific policy, the cash value of the policy may be used to borrow against the policy. The loan amount and the interest rate it accrues will be determined by a number of factors, including your personal financial situation, the issuer's underwriting review and the provisions of the policy regarding the cash value.
How can whole life insurance in Lexington serve as a financial strategy?
Whole life insurance can be a valuable financial planning tool for people in Lexington, NC. By using life insurance, you can protect your family from the financial hardship that often accompanies early death or disability. It can also be used to accumulate cash-value over time that can be borrowed against for major purchases, such as a new car or a home, or for income in retirement. Additionally, whole life insurance could be an effective tax-sheltered strategy to save for college tuition or other expected future expenses.
What if I miss a premium payment for a Lexington whole life insurance policy?
If a policyholder in Lexington, NC misses a premium payment for a whole life insurance policy, the policy will lapse until the missed payment is made (plus any applicable fees). While premiums for whole life insurance are typically fixed, premiums on lapse policies can be more expensive than the texture policy. To prevent this, policyholders can make use of the grace period, which generally lasts 31 days from the due date. During the grace period, the policyholder can make the payment and the policy will remain in force; otherwise, the policy will lapse and cancellation will become a possibility.
How does my age when purchasing affect rates with a Lexington whole life insurance company?
In Lexington, NC the age of the individual when purchasing an insurance policy can have an impact on the premium rate. Generally speaking, younger individuals may qualify for lower premiums due to their relatively lower risk. Conversely, individuals who are fairly close to or have reached retirement age may qualify for larger discounts on premiums given insurer's longer-term expectations of financial stability. Ultimately, the impact of age on premium rates can vary based on insurer and type of coverage, so you should always speak to an experienced insurance agent to determine what savings may be available to you given your age at the time of buying.
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