Cheap Life Insurance Quotes
Caldwell ID

Secure Connection

Average Annual Life Insurance Rates in Idaho


Best Life Insurance Rates in Idaho


Best Life Insurance Companies, Agents, & Brokers Near Me


Best Cheap Life Insurance Companies in Caldwell ID

Family First Life

914 E Elgin St, 83605

(208) 459-1142

No website found

Farm Bureau Insurance

4122 Cleveland Blvd, 83605

(208) 459-1604

https://www.idahofarmbureauinsurance.com/insurance-agents/caldwell/

Farmers Insurance - Keith Bushardt

4618 Beacon Ln Ste 108, 83605

(208) 459-0061

https://agents.farmers.com/id/caldwell/keith-bushardt

Montoya Insurance Group

6115 Cleveland Blvd #101, 83607

(208) 459-1687

http://www.montoyainsurancegroup.com/

Tasha Gilbert, Gilbert Life Group, Insurance Underwriter - Symmetry Financial Group

615 Smeed Pkwy, 83605

(208) 989-9298

http://www.gilbertlifegroup.com/

Affordable Insurance Co

1117 Cleveland Blvd, 83605

(208) 459-0070

http://idahoaffordable.com/

Compare Life Insurance Policies in Caldwell ID

In Caldwell, ID, life insurance is regulated by the Idaho Department of Insurance. There are several different types of life insurance policies available in Idaho, including whole life, term life, and universal life. Whole life insurance policies are permanent policies that provide coverage for the entire lifetime of the policyholder. Term life insurance policies provide coverage for a specific period of time, typically 10-20 years. Universal life insurance policies are flexible policies that allow the policyholder to adjust the death benefit and premium payments over time.

In Caldwell, ID, law requires all life insurance companies doing business in the state to be licensed by the Idaho Department of Insurance. All licensed insurers must maintain a minimum capital and surplus of $500,000. Insurers must also file annual financial statements with the Idaho Department of Insurance.

Idaho law requires all life insurance policies to provide a minimum death benefit of $5,000. This death benefit must be paid to the beneficiary within 30 days of the policyholder’s death. Idaho law also requires all life insurance policies to have a grace period of at least 60 days. During this grace period, the policyholder can pay the overdue premium without losing coverage.

Idaho law prohibits insurers from using unfair or deceptive practices when selling or advertising life insurance policies. Insurers are also prohibited from discriminating against applicants for life insurance coverage on the basis of race, religion, gender, or national origin.

If you have any questions about the life insurance laws and regulations in Caldwell, ID, you should contact the Idaho Department of Insurance.

life insurance companies Caldwell ID

Term Life Insurance Caldwell, ID

In Idaho, term life insurance policies must have a minimum death benefit of $5,000. This death benefit must be paid to the beneficiary within 30 days of the policyholder’s death. Idaho law also requires all life insurance policies to have a grace period of at least 60 days. During this grace period, the policyholder can pay the overdue premium without losing coverage.

Whole Life Insurance

In Idaho, whole life insurance policies are permanent policies that provide coverage for the entire lifetime of the policyholder. Whole life insurance policies typically have higher premiums than term life insurance policies, but they also have cash value that builds up over time.

life insurance companies Caldwell ID

Universal Life Insurance

In Idaho, universal life insurance policies are flexible policies that allow the policyholder to adjust the death benefit and premium payments over time. Universal life insurance policies typically have lower premiums than whole life insurance policies, but they also have less cash value.

Idaho law requires all life insurance companies doing business in the state to be licensed by the Idaho Department of Insurance. All licensed insurers must maintain a minimum capital and surplus of $500,000. Insurers must also file annual financial statements with the Idaho Department of Insurance.

Medical Exam vs No Medical Exam Life Insurance

In Idaho, you can purchase life insurance with or without a medical exam. Life insurance policies that do not require a medical exam are typically more expensive than policies that do require a medical exam.

No-medical-exam life insurance policies are available in Idaho, but they are typically more expensive than policies that require a medical exam. If you are healthy and have no history of health problems, you may be able to save money by taking a medical exam.

Explore and compare with other cities in your state: 1, 2, 3, 4.


The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.


Find Other Insurance Types by Zip Code