Term life insurance is protection for the future of you and your family. Finding the right term life insurance in St. Catharines means getting valuable advice from a trusted company. Hometown Life Insurance is here to help you evaluate your life insurance needs, and provide security to your loved ones. It is a great pleasure to be able to serve the wonderful people of St. Catharines and neighbouring communities, from right here in Niagara. At Hometown, you will experience a blend of the small-town customer service you expect, combined with new-age digital capabilities. Finding the perfect term life insurance is usually difficult and time consuming, but it doesn’t have to be that way anymore! You can easily get an online quote or contact us to get started. We can’t wait to find out what we can do to help you protect your family.
Your perfect term life insurance coverage is unique to your circumstances and our Hometown team is ready to help you find it! We have developed a number of digital resources for the people of St. Catharines and surrounding area, so you can understand better understand your life insurance needs. Our Hometown team will support you with professional advice whenever you need it, without being pushy. And when you decide to move forward, you will understand why our customers are so happy they chose us. We always love hearing from you, our valued clients, so we can continue to improve our abilities to service each one of you better!
Maybe you aren’t sure where you will find the time to protect your young family with insurance. Hometown Life Insurance provides coverage to families just like yours. Families that have growing responsibilities, with limited time, but know they need life insurance. You want to ensure your family is able to cover their monthly bills (including your mortgage), save for the future (retirement, education or otherwise), and provide financial support to your spouse and children. In our experience, many young families start with term insurance. The premiums are lower and it is designed to protect you and your family for a period of time when you need is at its highest, basically right where you are today! You will be able to find more information on the term life insurance pages on our website, or contact our Hometown team serving the St. Catharines area to get started.
The answer to this is actually quite simple, and we can tell you why! You should be getting life insurance now, not only for yourself, but for the people around you. The life insurance coverage is there to provide for your loved ones at their time of need. Just think, if you were to suddenly pass away, your family would have a difficult time keeping up with their bills. Mortgage payments, car loans, credit cards on top of taxes and funeral expenses at death after just losing an income – it’s near impossible to expect them to be able to cope. Life insurance provides peace of mind to you and your family in the form of financial security, and better yet, if you get life insurance while you are relatively young and healthy, you can save money with lower premiums as well!
When you purchase a term insurance policy, you will be locking in your premiums for the duration of the term. It is an important consideration when selecting the term of your policy as a 20-year term policy will keep your premiums stable for the whole 20 years, while a 10-year term policy will renew at a higher premium after the 10 years pass. Either way, our team of professionals at Hometown will be sure to review your conversion options, well in advance of the actual renewal date, so you can be sure that your coverage remains affordable and in-force.
When a claim has to be made on a life insurance policy, the first people that you should call is our Hometown Life Insurance team. We understand that this is a difficult time for you and your family, and we are here to ease the burden and get your claim paid out as quickly as possible. Our team of professionals will gather the required information and submit on your behalf to the insurance company for processing. We will also monitor any further requests or requirements from the claims department, so you don’t have to worry about the additional responsibilities.
Two of the key steps of the life insurance process is getting a quote, and submitting an application for a policy. For some people, their application process may also require some additional medical underwriting or tests. The great news is, all of these services are provided to you – the policy owner – at no cost. The only cost to you is the monthly premiums that will activate your policy and maintain it throughout the life of your coverage.
Yes, our term life insurance policies can be cancelled at any time without any additional fees. The policy simply terminates coverage, but you will want to evaluate your options before doing so. Our Hometown Life Insurance team serving St. Catharines will review your reasons for cancelling the policy with you to see if there are options that are more suitable. When you cancel a policy, you are losing the protection that you deemed valuable at the time of application. We understand situations can change, but we want to ensure that you are properly covered. If your policy was cancelled, you would be at risk of leaving your family with a significant financial burden. Even changes in health could prevent you from getting coverage again in the future. Take the time to discuss your options with our team, so you can make the right decision for you and your family.
Customizing your coverage to suit your needs might mean adding additional “riders” to your policy. If you would like additional accidental death benefit coverage, a waiver of premium if you become disabled, or an option to purchase additional future coverage without medical underwriting using a guaranteed insurability rider, the choice is yours. More information about each of these riders and general life insurance information can be found in the FAQ’s section on our term life insurance pages.