Term life insurance ensures that you and your family are financially secure, even if the worst happens. Our Hometown Life Insurance team is making it even easier for you, and the great people of Niagara Falls and surrounding communities, to find your ideal policy. Blending our small-town customer service focus with our modernized digital capabilities, we provide you with an insurance experience very different from what you expect. You don’t have to spend hours searching for the right insurance and meeting with an advisor to complete an application. Now you can easily get a quote and apply by contacting us and we will help walk you through the process. We want you to experience the Hometown difference!
When you find a company, like Hometown, that focuses on providing customized service you can rely on, finding the right product becomes much easier! It surprises many people that life insurance is based on your unique situation, not just a policy off the shelf. We provide our clients in Niagara Falls and area with educational and informational resources, but we are always here and ready to help out in any way you need us to! Providing life insurance solutions to our clients is so much more than a simple policy, it’s a service to help you protect the future you and your family dream of, so contact Hometown today!
During the years when your family is young and growing, an untimely death can have even greater impact on your current and future lifestyle. Term life insurance is a great place to start with insurance. It provides you with the level of coverage you require, but at a more affordable premium. Like many of our other Niagara Falls families, you may have mortgage payments, retirement goals, post-secondary education aspirations for your kids, monthly expenses and other debts. Without life insurance, if you were to pass away, your family would be left to deal with all of these responsibilities at a time where your income is also lost. Term life insurance provides flexibility in the future as your needs change, making it an ideal place to start for young families. Check out our term insurance pages for more information, or feel free to contact our Niagara Falls Hometown team to get started!
If you think of where you were 5 years ago, and look at where you are now, your life probably looks quite different. It would also not be surprising if you expect it to look different in the future as well. Buying a house, getting a new job, having a baby, getting married, starting a business, or many other life events can affect your life insurance needs to varying degrees. It is always important to review your coverage to ensure that it continues to provide the right level of protection. Whether you need to update your beneficiaries, convert to a longer term or permanent policy, or even increase the level of coverage, regular reviews with our Hometown team will keep you up to date. Our Niagara Falls clients appreciate the fact that they can count on Hometown to be there throughout the stages of their lives and we think you will appreciate it too!
Using the information disclosed in the application, the insurance company’s underwriters will determine your risk level. A combination of factors such as age, gender, smoking status, medical history, occupation, lifestyle, and family history, are all utilized in combination with your coverage selection (term, amount, riders, etc.). The quote you will receive is based on a “standard” rating for your demographic and smoking status. Your premiums may match your quote exactly, or they could be increased or decreased depending on your individual circumstances.
When a claim has to be made on a term life insurance policy, the first call should be to our Hometown Life Insurance team. We will act on your behalf by collecting the necessary information to submit the claim to the insurance company and then manage any follow up requirements. Rest assured that we will work diligently to get the claim paid out to you and your family as quickly as possible.
Going through our modernized quote and application platform for term life insurance will save you time and effort, and at no cost to you! Even if there are additional medical underwriting requirements, you will not be charged for any of it! The only cost to you as the policy holder is the premiums you will pay once your policy is approved and activated.
Term life insurance can carry additional “riders” that provide customized coverage options above and beyond your basic policy. Accidental death benefit, disability waiver of premium, and guaranteed insurability rider are three of the most common riders that you may choose to add. You may not want or need riders on your policy, and that’s okay, but in the right situation, they can be extremely valuable. For more information about the basics of term life insurance and each of these riders, check out our FAQ’s section of our term insurance pages.