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Best Life Insurance Companies in Birmingham

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2023
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Allison Agency Inc logo
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Allison Agency Inc

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999 Mount Olive Rd Ste 123, Gardendale, AL 35071

Business Description

Allison Agency Inc. is an independent agency offering its individual and business clients a wide selection of insurance options. The company represents a network of top-tier carriers for its clients interested in purchasing life insurance. It assists with navigating the process between term, whole, and universal plans to determine the product that best meets individual needs. Allison Agency also provides auto and home insurance policies and works with a diverse range of business industries.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Altasurance logo
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License Verified:

License: 418494

Alabama Department of Insurance

Altasurance

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201 Office Park Drive, Birmingham, AL 35223
  • Life Insurance

Business Description

Altasurance serves families and businesses throughout the Birmingham community. The agency offers personal and commercial insurance products, including life, disability, homeowners, and long-term care insurance. As an independent insurance agency, it works with multiple insurance carriers to deliver various products that match every client's needs. Some of the companies it works with include MetLife, ING, AXA, and Nationwide. Altasurance is part of Dave Ramsey's ELP program, a network of local professionals guided by similar financial principles.

License Verified:

License: 418494

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.0 / 5 (35)
Facebook
5.0 / 5 (13)
American Insurance Agency logo
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American Insurance Agency

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438 Carr Ave Ste 11, Birmingham, AL 35209

Business Description

American Insurance Agency is a health insurance company in Birmingham that's been helping individuals, families, and businesses since 1986. Its licensed agents work with a wide range of insurance carriers to help clients find a comprehensive health insurance plan to meet their family's needs, which can include dental, vision, and general medical coverage. The company also assists individuals with life insurance plans to financially help beneficiaries with expenses, such as college, daily living costs, and debt repayment.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.8 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Antonio D. Sankey & Associates, LLC logo
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License Verified:

License: 793810

Alabama Department of Insurance

Antonio D. Sankey & Associates, LLC

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3000 Riverchase Galleria Suite 950, Hoover, AL 35244
  • Life Insurance

Business Description

Antonio D. Sankey & Associates, LLC, offers life insurance policies—which support surviving family members in the event of their loved one's death—to Birmingham residents. Antonio Sankey has helped individuals, families, and business owners build, preserve, and protect their wealth for over 24 years. As someone who grew up with insufficient funds, he understands the importance of financial planning. Sankey is a member of the National Association of Insurance and Financial Advisors and was listed among its Top Advisors Under 40 awardees in 2014 and 2015.

License Verified:

License: 793810

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Assurance Financial Solutions logo
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Assurance Financial Solutions

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2501 20th Pl S Ste 300, Birmingham, AL 35223

Business Description

Assurance Financial Solutions is an independent life insurance agency in Birmingham. Its licensed agents use their knowledge and experience to guide clients through the process of choosing a life insurance policy that meets their short- and long-term financial goals in the event of their death. Choices include term, whole, universal, guaranteed universal, no exam, and guaranteed acceptance life insurance policies. Assurance Financial Solutions also offers disability and long-term care insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CIMA Insurance Agency, Inc. logo
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CIMA Insurance Agency, Inc.

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2727 Mount Olive Rd, Mount Olive, AL 35117

Business Description

CIMA Insurance Agency Inc. is an independent agency providing its individual and business clients with diverse insurance solutions. The company represents a select group of carriers to offer its clients options with quality products and rates. Its agents evaluate clients' individual life insurance needs based on their current financial circumstances, obligations, and goals. They streamline the comparative product analysis, offering term, whole, or universal plans that best meet their needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Greenhalgh Insurance logo

License Verified:

License: 79807

Alabama Department of Insurance

Greenhalgh Insurance

3148 Cahaba Heights Road, Birmingham, AL 35243
  • Life Insurance

Business Description

Established in 1937, Greenhalgh Insurance is a locally owned family business that serves Birmingham and the surrounding communities. The agency provides insurance policies for life, rental and vacation homes, automobiles, mobile homes, and farms. It also offers commercial insurance, which includes employer's liability and worker compensation, business income protection, and business continuation and key employee coverage. President Adam Greenhalgh joined the family business in 2005. He is a graduate of Auburn University and a member of EO Birmingham.

License Verified:

License: 79807

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (8)
Facebook
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Holt Insurance Agency logo
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Holt Insurance Agency

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1423 4th Ave N, Bessemer, AL 35020

Business Description

Holt Insurance Agency has offered comprehensive insurance services since 1979. The independent agency works with a variety of providers to deliver a comparative analysis of products and streamline the process of purchasing individual life insurance. The company's agents consult with clients to determine their current financial circumstances and goals before making recommendations for term, whole, or universal life insurance options. They help clients navigate the nuances between each product to provide the protection they require for their families and assets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Insurance Seekers logo
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Insurance Seekers

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3505 Bent River Rd Ste 7, Vestavia Hills, AL 35216

Business Description

Insurance Seekers is a life and health insurance agency in Birmingham that works with individuals throughout the area. An independent agency that works with a wide variety of top carriers to help you find the best coverage to suit your exact situation. Its licensed agents help clients make informed decisions when choosing a health insurance policy to protect their families. The agency also assists with term and whole life insurance plans to cover client's families in the event of their death. Other products include auto, home, business auto, and commercial general liability insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (20)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Iron City Insurance Brokers logo
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License Verified:

License: 768226

Alabama Department of Insurance

Iron City Insurance Brokers

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14 Office Park Circle, Mountain Brook, AL 35223
  • Life Insurance
  • Individual Plans

Business Description

Iron City Insurance Brokers is an independent agency headquartered in Birmingham that has been operating since 2016. It provides individuals and families with various life insurance products, such as individual life, long-term care, and disability insurance programs. Its other life insurance services include fixed annuities, final expense, and mortgage protection insurance policies. Moreover, It offers personal and business insurance protection. The company has a staff member fluent in Spanish. Iron City Insurance Brokers has access to regional and national carriers.

License Verified:

License: 768226

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Jimmy Stewart logo
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License Verified:

License: 49180

Alabama Department of Insurance

Jimmy Stewart

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270 Olde Towne Road, Vestavia Hills, AL 35216
  • Life Insurance
  • Health Insurance

Business Description

Jimmy Stewart is a State Farm insurance agent who serves Birmingham residents and businesses. He leads his team in offering a range of insurance solutions, including property, home, auto, and life insurance plans. His team assists clients in obtaining life insurance coverage that meets their needs, whether for lifelong protection, cash values from permanent insurance policies, or a mix of both. An accounting graduate and a Chartered Property/Casualty Underwriter, Jimmy has been with State Farm since 1993.

License Verified:

License: 49180

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)
Laquisha Fisher - Acceptance Insurance logo
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Laquisha Fisher - Acceptance Insurance

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623 Bessemer Super Hwy, Birmingham, AL 35228

Business Description

Laquisha Fisher - Acceptance Insurance is a life insurance agency in Birmingham that has over 20 years' experience serving clients throughout the area. Owner and operator, Laquisha Fisher, holds property and casualty licensing, and helps individuals find a life insurance policy that meets their current and future financial goals for their families. The agency offers flexible, short-term life insurance options that meet a variety of situations. Other products include renters, homeowners, and auto insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (13)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Legacy Insurance logo
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License Verified:

License: 3000389602

Alabama Department of Insurance

Legacy Insurance

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2225 Cahaba Valley Drive, Birmingham, AL 35242
  • Life Insurance

Business Description

Legacy Insurance is an independent agency serving individuals and families in Birmingham. It offers a wide selection of products, such as life, home, condo, auto, and flood insurance. Its life insurance policy includes term, whole, and universal coverage, as well as life settlements and final expenses. The company works closely with clients to create a plan for their needs and requirements, aiming to help them build and protect their legacy. It represents various carriers, including Heritage, Attune, CNA, Chubb, and Nationwide.

License Verified:

License: 3000389602

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Michael Bridges logo
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License Verified:

License: 807432

Alabama Department of Insurance

Michael Bridges

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1 Perimeter Park S Suite 330N, Birmingham, AL 35243
  • Life Insurance
  • Health Insurance
  • Individual Plans

Business Description

Michael Bridges is an insurance agent who has been with State Farm for six years. He offers a variety of risk management solutions for policy buyers in Birmingham, including life insurance. Clients can choose from a selection of life insurance policies, such as whole life, term, and universal coverage. Bridges also provides health insurance, including Medicare Supplement and individual medical coverage. Policies for homeowners, pets, automobiles, and businesses are also available. Bridges supports Hand in Paw, a non-profit organization for rescued animals.

License Verified:

License: 807432

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (125)
Facebook
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Petra Life Services logo

License Verified:

License: 311901

Alabama Department of Insurance

Petra Life Services

200 Union Hill Dr. Ste 101, Birmingham, AL 35209
  • Life Insurance

Business Description

Petra Life Services operates in the Birmingham metro and the surrounding communities. The agency has been providing life insurance to individuals, businesses, and charities for over 50 years. It uses its experience to explain the complexities to its clients and guide them in making informed decisions. It also offers disability insurance, long-term care, and annuities. As Christians, the firm's passion for life insurance comes from the belief that it is a tool for the creation of security.

License Verified:

License: 311901

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Roger Watts Agency logo
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License Verified:

License: 32354

Alabama Department of Insurance

Roger Watts Agency

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4000 Meadow Lake Drive Suite 119, Birmingham, AL 35242
  • Health Insurance

Business Description

Roger Watts Agency is an insurance firm that serves the Birmingham metro and neighboring communities. It helps customers in securing various types of life insurance protection plans such as term, universal, whole, and variable universal life insurance. Its team of insurance agents, backed by more than 60 years of combined experience, assists clients during claims filing and compares policies from different carriers. Roger Watts Agency carries insurance products from Nationwide, Travelers, Hagerty, National General, and Progressive.

License Verified:

License: 32354

Alabama Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Maynard Group Agency logo

The Maynard Group Agency

3100 Lorna Rd Ste 211, Vestavia Hills, AL 35216

Business Description

The Maynard Group Agency is an independent agency providing clients with a wide variety of insurance solutions. The company represents top-tier carriers, allowing it to offer diverse products and rates. Its individual life insurance coverage may include a term, whole, or universal policy as well as mortgage protection and final expense insurance. The Maynard Group Agency also offers fixed annuities. Additionally, the company provides home, auto, and business insurance protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Reed logo

License Verified:

License: 766692

Alabama Department of Insurance

The Reed

9624 Pkwy E, Birmingham, AL 35215
  • Life Insurance

Business Description

The Reed is an independent insurance agency that provides individuals in Birmingham and nearby areas with suitable coverage plans. Whether it's a life plan or asset protection, its representatives recommend options to give its clients the proper benefits for their families. Its wide selection of products includes health, life, worker compensation, renter, auto, and commercial insurance. The company employs staff who are fluent in both English and Spanish, enabling them to reach out to more customers.

License Verified:

License: 766692

Alabama Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.5 / 5 (38)
Facebook
4.3 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wicker Agency logo
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Wicker Agency

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825 Main St, Gardendale, AL 35071

Business Description

Wicker Agency offers a variety of insurance options to protect its clients and their families. The independent agency provides product and rate diversity through its partnership with a network of insurance carriers. Its term, whole, and universal life insurance plans are tailored to meet clients' needs. The company's agents consult with individuals and evaluate how to maximize coverage based on current financial situations and goals. They consider family obligations and assets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.