Cheap Life Insurance in Hartford CT Near Me: Best 4 Companies [Whole & Term Life Insurance Quotes Online] Without Medical Exam, Adults & Seniors, Smokers, No Pre-existing Condition Requirement, Universal, Compare Policy Quote, Plan Comparison, Permanent Types, Average Cost per month, Company Reviews for Northwestern Mutual, Lincoln Financial, New York Life, MassMutual, Prudential Financial Inc., John Hancock, State Farm, Transamerica, Pacific Life, Metlife, AIG, Guardian, AXA, Brighthouse Financial, Protective, Primerica, Sammons Enterprises Inc., Voya Financial Inc., Nationwide, Torchmark Corp., Penn Mutual, Securian, Mutual of Omaha, Principal Financial Group Inc., Western & Southern Financial, Genworth, National Life Group, Legal & General, Zurich, Lincoln Benefit Life Co., RiverSource, USAA, Ohio National, Talcott Resolution, OneAmerica, Allianz, Aflac, Allstate Corp., Global Atlantic, Million Dollar Policies, Group, Index, Simplified Issue, Variable, Guaranteed, Joint, Survivorship, Burial, Funeral, Credit, Mortgage, Supplemental, Low Cost, Health Exam Services, Annuity , Life Insurance Agents & Brokers in Hartford Connecticut

Best Life Insurance Companies, Agents, & Brokers Near Me

American Income Life: Moore Agencies

111 Founders Plaza Suite 1701, 06108

(860) 245-8225

https://mooreagencies.com/

Lorraine Smith Insurance

430 New Park Ave Suite 102, 06110

(860) 788-5544

http://lorrainesmithinsurance.com/

Lincoln National Life Insurance Co

350 Church St #9, 06103

(860) 466-1000

http://lfg.com/

Merit Insurance Services

639 Prospect Ave, 06105

(860) 233-3626

https://meritins.com/

Ronald A Lanza Life Insurance

104 Oakwood Ave, 06119

(860) 523-0772

No website found

EDGON Financial LLC

207 Main St 3RD FLOOR, 06106

(959) 207-3700

http://www.edgonfinancial.com/

Compare Life Insurance Policies in Hartford CT

In Hartford, CT, life insurance policies are subject to the following laws:

Connecticut law requires all insurers to provide policyholders with a free annual statement of account that itemizes all transactions during the year, including premiums paid, dividends earned, and loans made against the policy.

Connecticut residents may purchase life insurance policies from any licensed insurer in any state.

If a Hartford, CT resident purchases a life insurance policy from an out-of-state insurer, the policy is subject to Connecticut's premium tax unless the insurer is licensed in Connecticut.

All life insurance policies sold in Connecticut must be delivered or mailed to the policyholder within 30 days after receipt of premium payment.

A life insurance policy may not be cancelled by an insurer except for nonpayment of premiums, fraud, or material misrepresentation.

Connecticut law prohibits insurers from engaging in unfair trade practices, such as making false or misleading statements about a policy or its benefits.

Connecticut residents have the right to examine any life insurance policy before it is delivered and to cancel the policy within 10 days after receipt if they are not satisfied with it.

Connecticut law requires that all life insurance policies contain a provision allowing the policyholder to convert the policy to another type of policy offered by the insurer without evidence of insurability.

Connecticut law requires insurers to offer policyholders the option to pay premiums annually, semi-annually, quarterly, or monthly.

If an insurer offers a discount for paying premiums in advance, the policy must state the amount of the discount and the period for which the discount applies.

Connecticut law requires life insurance policies to include a free look provision that allows policyholders to return the policy within 10 days after receipt and receive a full refund of premiums if they are not satisfied with it.

Connecticut residents have the right to name anyone as a beneficiary of their life insurance policy, including their estate.
If a Hartford, CT resident dies without naming a beneficiary, the death benefit will be paid to the insured's surviving spouse or domestic partner, if any, and if none, to the insured's children in equal shares.
If there are no surviving spouse or domestic partner and no children, the death benefit will be paid to the insured's parents in equal shares or, if only one parent is living, to that parent.
If there are no surviving spouse or domestic partner, no children, and no parents, the death benefit will be paid to the insured's estate.
Connecticut law requires insurers to pay life insurance death benefits within 30 days after receipt of proof of death.
Connecticut residents have the right to designate any person or entity as the recipient of their life insurance policy proceeds (known as a “pay on death” or “POD” beneficiary).

Term Life Insurance in Hartford, CT

If you're looking for term life insurance in Hartford, CT, you have a few options available to you. You can purchase a policy through an insurance agent or broker, or you can buy a policy directly from an insurance company. There are a few things to keep in mind when you're shopping for life insurance, such as the type of coverage you need and the amount of coverage you want. You should also consider your budget and whether or not you're comfortable with the idea of a medical exam.

Medical Exam vs No Medical Exam

Many policies will require a medical exam, but there are some that don't. If you're healthy and have no major health concerns, you may be able to qualify for a policy that doesn't require a medical exam. However, if you have any health issues or concerns, it's important to disclose them to the insurance company so that they can determine if you're eligible for coverage.

Types of Coverage

There are two main types of term life insurance: level term and decreasing term. Level term life insurance provides coverage for a set period of time, typically 10, 20, or 30 years. The premium remains the same throughout the term of the policy, making it easy to budget for. Decreasing term life insurance provides coverage for a set period of time, but the death benefit decreases each year. This type of policy is typically used to cover a mortgage or other loan.

Explore and compare with other cities in your state: 1 , 2 , 3 , 4 , 5.

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.

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