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SELECTING THE RIGHT LIFE INSURANCE FOR YOU FAMILY
What is Life Insurance?
In simple terms, life insurance is an affordable way to protect your family financially in the event you’re not there to take care of them. Life insurance can help with things like paying the mortgage, college tuition, final expenses and more.
Figuring out what life insurance is right for you can seem complicated, but that’s what we’re here for. Hamilton life insurance agents have the answers you need to make the right decision for you and your family.
How much life insurance do I need?
How it works?
3 Steps to Buying Life Insurance
Hamilton Insurance will select some of the top life insurance companies on your behalf, compare prices and coverage for you and provide you with your best options. We can also answer any questions you have, match you with the best carrier for your lifestyle or health condition and find opportunities to save money and more.
Get a Life Insurance Quote
Consider how much life insurance you will need to replace your income now and in the future, such as education, family events, retirement savings, etc. Additionally, think about who depends on your income today—from spouses to children, business partners to loan co-signers, it’s important to consider everyone who can benefit from your smart decision to buy life insurance.
Getting the most accurate life insurance quote is all about providing the most up-to-date information. Individual and household incomes and debts, as well as your basic health history, will get the application started and the process often takes 15 minutes or less.
With Hamilton Insurance, you’ll receive a side-by-side comparison of the best prices and carriers based on your age, health, family health history and lifestyle. Call now, and you can discuss in more detail with your Hamilton Insurance licensed sales agent.
Choose your life insurance coverage
After you complete a short questionnaire, we can compare and review prices from the trusted carriers we represent. If you are purchasing term life insurance, it’s important to carefully consider the time frame needed for coverage. Remember: life insurance is most affordable the younger and healthier you are. It’s a wise decision to lock in what you think you’ll need to cover not only current, but future expenses.
After you see the life insurance rates from the carriers we represent, select the best one for you and complete the initial application. Depending on the policy and carrier you choose, you may be asked to pay the first premium at this time.
Get your life insurance policy
After your life insurance policy is submitted to the carrier, you likely will be required to complete a brief medical exam. This appointment allows the underwriter to confirm the details on your health questionnaire and confirm your final price for the selected coverage. The more accurate your information is up front, the higher the likelihood of no changes.
The medical exam, though, is surprisingly easy. We’ll send a licensed medical professional right to your home to conduct a simple checkup comparable to what you’d receive in a doctor’s office (weight, height, blood draw, heart monitoring, etc.). You’ll receive a free copy of your lab results following your exam, which are completely confidential.
While each life insurance policy looks a little different, typically your coverage goes into effect at the time your application is received and/or after your first premium payment is made. Depending on what state you live in, you can have up to 30 days to return your policy and be fully reimbursed for any premiums paid.