Term Life Insurance - Niagara

Where Can I Get Term Life Insurance
In Niagara?

Finding term life insurance in Niagara is much easier with Hometown Life Insurance. Our highly skilled team of professionals are located throughout our office locations in Niagara and ready to serve you. We have modernized the term life insurance experience by offering a digital platform to get a quote and apply for life insurance, with the added bonus of having a licensed representative ready to chat when you need us! Gone are the days where you have to spend hours in meetings, going through a painfully slow application process. Start by getting a quote online or contacting us to explore your options. Come experience the Hometown difference, small-town customer service with a new-age digital flare.

Which Term Life Insurance Product
Is Best For Me?

Deciding to work with Hometown Life Insurance is a great first step. We can assist you in understanding and identifying your needs to find the best product solution for you. Your perfect coverage will strike a balance between affordability and proper protection, for you and your family. Each of our policies are tailored to meet your individual needs, and our many resources available will assist you in making informed decisions. Your life insurance is much more than just a policy, it’s a commitment from our team to you and your family, now and in the future. Contact our Niagara Hometown team to let us know how we can help you out!

Do Your Life Insurance Needs
Change Over Time?

Significant life events such as buying a house, having a kid, a new job, getting married, starting a business, and many other examples are signals to review your life insurance. A change could be as simple as updating the beneficiaries on your policy, or converting to a longer term or permanent coverage, or even increasing your coverage based on your growing needs. Our Hometown Life Insurance team in Niagara will work with you each step of the way to ensure you and your family are properly protected and secure.

Will My Life Insurance
Premiums Increase?

The premiums on your life insurance are locked in at the same rate for the term of your policy (10, 20 or 30 years). Policies with a longer term will have higher premiums initially, as it is evenly spread over a longer period. The shorter-term policies will renew at a much higher premium, so it is important to consider your options and how long you may want your coverage to last. The good news is, you don’t have to make that decision alone, and you will also have flexibility to convert to a longer term down the road. Our Hometown team will provide guidance and support throughout the process and regularly review your needs with you to ensure your policy premiums remain affordable.

What Happens When A Claim
Has To Be Made?

The first step when looking to report a claim is to contact our Hometown Life Insurance team in Niagara. We understand that submitting a death claim is a difficult time with many other responsibilities, so we want to make it as easy for you as possible. We will gather the details of your claim and submit to the insurance company on your behalf in order to ensure the claim is paid out as quickly as possible.

Can Term Life Insurance
Be Cancelled?

You can cancel your term life insurance at any point in time at no cost to you. However, before you cancel, we encourage you to give proper consideration to the risk of terminating your policy. Perhaps you still need insurance or you expect to in the future? If that is the case, you are leaving yourself at risk and even if you wanted to apply for insurance again, you would have to start the processes from the beginning. At an older age, your premiums will be much higher, especially if you have health concerns. In fact, you may be too high risk to even get the insurance you are looking for. Connect with our Hometown Niagara team to discuss your options, so you can make the right decision for you and your loved ones.

What Riders Are Available On
Term Life Insurance In Niagara?

To further customize your term life insurance to meet your needs, you may want to add select “riders” to your policy. Some examples of common riders are accidental death benefit coverage, waiver of premium for disability, or guaranteed insurability rider, which allows the purchase of additional coverage in the future without medical underwriting. More information about term life insurance and the available riders can be found in the FAQ’s section on our term life insurance pages.

Copyright © 2021 Hometown Life Insurance.

Copyright © 2021 Hometown Life Insurance.