Your insurance policy should be personalized to meet your needs. You may have experienced the lengthy in-person process to understand your needs, or maybe the impersonal digital platform where you hope you chose the right coverage. Hometown aims to take the best of both worlds. The convenience of a digital platform, and the service focus of having a licensed professional walk you through the process. We will work with you to identify and understand your needs and then find an insurance solution to match. Our Hamilton Hometown team takes pride in assisting you secure your family’s future. Check out our life insurance calculator and online quote tool to get started, or you can contact our experts to help you through the process.
An additional benefit of working with an experienced team like Hometown, is that you don’t have to do all the work yourself. Let us simplify your life by understanding your needs and finding the proper coverage to balance protection and affordability, for you and your family. It is important to us that we tailor each plan for our Hamilton clients, and provide educational blogs, videos and other helpful tools like our life insurance calculator, to help you make informed decisions. Providing life insurance is much more than your policy, it’s our commitment that we will take care of you and your family, now and in the future. Contact our Hometown team serving Hamilton and area today to get started!
Throughout your life, you will have significant life events that will affect your life insurance needs. Buying a house, a new job, having a kid, getting married, and starting a business are some of the most common reasons for an insurance review. It could be as simple as updating the beneficiaries on your policy, to converting to a longer term or permanent coverage, or even increasing or decreasing the amount. Our Hamilton Hometown team will be with you every step of the way, to keep your policy up to date, according to your changing needs. You can count on us!
The reality is, almost everyone should have life insurance. It may be obvious if you have a partner, kids, a business, but there are so many other reasons to have coverage. If you have any debts like a mortgage, car loan, credit card, or student loan, you will want to ensure that your loved ones won’t become responsible for it if you were to die. Additionally, if you provide support to anyone with either your income, or by providing care, you may also want to ensure that they are financially secure if you were to pass away. You also should consider funeral expenses, taxes, and other costs associated with passing away when looking for life insurance coverage. As you can see, there are several reasons you probably need insurance, and it’s not too late to do so! You can lock in your rates based on your current age and health so that they will remain the same for the entirety of your coverage, even if your health changes. Check out our life insurance calculator to better understand your need, or contact our team serving Hamilton and the surrounding area to get started.
When getting a life insurance quote, you will enter your age, gender and smoking status before selecting your desired coverage amount, term and riders. This will provide you with a premium amount based on a standard rating for your demographic. In the application stage, more information about your medical history, health, occupation, lifestyle and family history will indicate any adjustments to the pricing based on your individual risk. You will receive notice of your monthly insurance premium along with the approved policy so you can decide if you want to accept the coverage.
If a claim has to be made on a term insurance policy, contacting our Hamilton Hometown Life Insurance team is an advised first step. We will work to make the process as simple as possible, by submitting the information to the insurance company, and managing any follow up requirements. Our team represents you, our valued clients, and will work diligently to ensure the claim is paid out as quickly as possible.
Not only is using our online quote tool simple, there is no cost to you for getting a quote, applying for insurance, and even any medical underwriting tests that may be required. Your only cost will be the monthly premiums once your policy is approved and delivered to you for activation.
Based on your health, medical details, lifestyle and occupation information in the application, as well as any medical tests, your personal monthly premium is calculated. The underwriting team of the life insurance company will review the details of your application and determine the appropriate rating for your policy. You will then receive the approved policy to make the final decision of whether you would like to accept and activate your policy, or not.
Customizing your coverage based on your individual needs may mean adding additional “riders” to your policy. Accidental death benefit coverage, waiver of premium for disability, or a guaranteed insurability rider to allow the purchase of additional future coverage without medical underwriting, the choice is yours. General life insurance information and more details about each of these riders can be found in the FAQ’s section on our term life insurance pages.