Expertise.com

2024

Last updated:

Best Life Insurance Companies in Hoover

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Hoover Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3771Reviewed

2268Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2501 20th Place South, Birmingham, AL 35223
WebsiteLicense: 653491

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Google
5.0 (39)
Facebook
5.0 (5)

Why choose this provider?

Assurance Financial Solutions is a life insurance provider that serves the residents of Hoover and other communities in the Birmingham area. It represents more than 40 insurance companies, including AIG, Gerber Life, MetLife, Sagicor Life, and Banner Life. Since 2012, the company has been owned by Samuel R. Price, an independent broker who is licensed to operate in nine states. Some of the products the agency offers include term life insurance, whole life insurance, and no exam insurance policies.

  • Life Insurance

5167 Atlanta Highway, Montgomery, AL 36109
WebsiteLicense: 79923

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Review Sources

Facebook
5.0 (2)

Why choose this provider?

AIA Insurance Agency is an insurance agency in Montgomery that provides car insurance policies to residents in the metro—helping them meet state regulations that deem it illegal to drive without insurance coverage. The company provides state-required minimum protection from liabilities, property damage, and collisions, with available add-ons for medical payments and other auto-related services. AIA Insurance Agency also offers special coverage and insurance programs for SR-22 drivers as well as young drivers.

421 Emery Drive, Hoover, AL 35244
WebsiteLicense: 79014

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Google
5.0 (13)
Facebook
5.0 (2)

Why choose this provider?

MK Insurance helps business owners and individuals in Hoover mitigate financial risks. The independent insurance agency carries a range of personal solutions, including life, auto, specialty dwelling, boat, and motorcycle insurance. Its professionals educate clients about the reasons for getting life insurance policies and assist them in exploring term and whole life insurance options. MK Insurance has been in the industry since 1967. Owner Greg Mikos has been with the company for over 17 years.

  • Life Insurance

3148 Cahaba Heights Road, Birmingham, AL 35243
WebsiteLicense: 79807

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Facebook
5.0 (5)

Why choose this provider?

Greenhalgh Insurance is a life insurance company that services clients from Hoover. The company provides term, whole, and universal life insurance to ensure financial stability for clients and their loved ones in case of an unexpected event. Insurance for properties, employee benefits, special events, vehicles, homeowners, renters, and farms are also available. The company was founded by Ted Greenhalgh in 1937. As a family-owned and operated firm, it is committed to treating every client with respect.

  • Life Insurance

3500 Blue Lake Drive, Birmingham, AL 35243
WebsiteLicense: 79280

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Review Sources

Facebook
4.0 (6)

Why choose this provider?

Trans Con Assurance, Ltd. caters to clients with personal and business insurance needs. Serving Hoover and nearby areas, the agency was founded in 1975 by Marvin Lazarus. It offers term life insurance, which can be converted to permanent coverage. It also has whole life insurance that remains in force for clients' entire lifetime given that the premiums are settled as indicated in the policy. Universal life coverage is also available. This policy can be altered when the policyholder's situation changes.

  • Life Insurance

2801 US Highway 280 S, Birmingham, AL 35223
WebsiteLicense: 79548

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Why choose this provider?

Concourse Financial Group is an insurance and financial planning firm catering to Hoover clients. Its financial professionals provide policy reviews and insurance solutions, including life, long-term, annuity, and disability. The company also handles investment and practice management. In addition, it serves clients with financial planning services to help them plan their retirement and to assist them in wealth transfers. Doyle Williams, CEO of Concourse Financial, has been in the industry for 40 years. He is currently a LIMRA, LOMA, and LL Global board member.

  • Life Insurance

7018 Gadsden Highway, Trussville, AL 35173
WebsiteLicense: 161588

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Google
4.0 (41)
Facebook
4.0 (14)

Why choose this provider?

The Grogan Agency is a provider of life insurance policies to families in Hoover and the surrounding communities. It aims to provide its clients with financial security in the event of untimely death through universal, term, and whole-life insurance plans. Its experienced insurance agents help clients determine the right life insurance policy for their family's specific needs. In addition, The Grogan Agency provides auto, home, motorcycle, workers compensation, and general liability insurance. One of its agents, Kristin Holley, has over 15 years of insurance experience.

  • Life Insurance

2603 Moody Parkway, Moody, AL 35004
WebsiteLicense: 742303

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Why choose this provider?

1st Alabama Insurance is an independent insurance firm serving individuals, families, and business ventures in Hoover and nearby areas. It offers personal insurance lines, including life insurance policies. Its agents advise its clients with their risks and solutions and work closely with them to have a deep understanding to maximize their insurance protection. This independent agency represents several insurance companies, including National General Insurance, Centauri Insurance, and Foremost Insurance Group, rather than any single provider.

  • Life Insurance

2171 Rocky Ridge Road, Hoover, AL 35216
WebsiteLicense: 3000260728

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Review Sources

Google
5.0 (2)

Why choose this provider?

Alabama Insurance Agency is a Hoover-based life insurance services provider. The company gives customers access to many insurance products and carriers and personalizes coverages to meet their specific needs. It also modifies life insurance policies when its clients go through major life changes, such as getting married, starting a family, and children entering college. Alabama Insurance Agency is run by an independent agent who lives and works in the area, helping him understand the unique needs and concerns of the community.

  • Life Insurance
  • Health Insurance

5850 Valley Road, Birmingham, AL 35235
WebsiteLicense: 273351

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Google
4.0 (70)
Facebook
4.0 (23)

Why choose this provider?

Guide Insurance is an independently owned local insurance agency serving in Hoover and the surrounding areas. It offers life insurance and a variety of personal insurance products, including homeowners' insurance, condo insurance, renters' insurance, and auto insurance. In addition, the firm's insurance agents also provide personalized business insurance policies in the metro. They can also help business owners with their commercial auto, commercial property, or commercial liability insurance. Guide Insurance supports the Alabama-based wish-granting organization, Magic Moments.

  • Life Insurance

3100 Lorna Road, Hoover, AL 35216
WebsiteLicense: 424589

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Review Sources

Google
5.0 (3)

Why choose this provider?

Hoover-based The Maynard Group Agency is an independent agency that serves the insurance needs of residents of Hoover and surrounding communities. It has established long-term relationships with national and regional carriers, allowing its staff to provide plans that match client needs. It carries life insurance plans like term life insurance, universal life insurance, whole life insurance, and final expense insurance. Additionally, it provides commercial insurance packages for business clients. Demetrius D. Maynard Sr. owns the agency.

  • Individual Plans
  • Life Insurance

1 Perimeter Park South, Birmingham, AL 35243
WebsiteLicense: 807432

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Review Sources

Google
5.0 (114)
Facebook
5.0 (7)

Why choose this provider?

Michael Bridges is an insurance agent who works with State Farm and serves customers in the Hoover area. He and his staff members are committed to providing an array of life, home, and automobile insurance products to help clients prepare for life-changing events and protect their properties from catastrophes. He also offers health and flood insurance policies. Bridges aims to prioritize his customers all the time by providing their needs. He has been with State Farm for over six years.

  • Life Insurance
  • Health Insurance

3505 Bent River Road, Vestavia Hills, AL 35216
WebsiteLicense: 3000233898

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Insurance Seekers is an independent agency that serves individuals and groups in the Hoover metro area. The company works with multiple carriers to provide a range of life insurance products that include final expense, individual life, and mortgage protection insurance, as well as fixed annuities. It has also partnered with insurance companies such as Markel, Progressive, Transamerica, The Hartford, Safeco Insurance, and the Great American Insurance Group. Moreover, Insurance Seekers offers insurance plans that cover cars, homes, health, disabilities, commercial properties, and workers' compensation.

  • Life Insurance

1208 1st Street North, Alabaster, AL 35007
WebsiteLicense: 687160

Expertise.com Rating

Review Sources

Facebook
5.0 (12)

Why choose this provider?

Wesley Guy is a State Farm insurance agent who provides insurance services to the individuals and businesses of Hoover and the surrounding communities. He offers life insurance plans like universal life, term life, and whole life insurance. He also handles the change in policy and beneficiary. Additionally, Guy deals with business owner's and commercial auto insurance, surety and fidelity bonds, workers' compensation, contractors' policy, and liability umbrella insurance. The health insurance plans that he offers are related to supplemental health and Medicare supplements.

  • Life Insurance
  • Health Insurance

FAQs

  • Is the death benefit from a dependent life insurance policy taxed in Hoover?

    If the policyholder in Hoover paid the entire premium or their employer contributed less than $2,000 for the price of the policy, the death benefits are not taxed. However, if the insured's employer contributes more than $2,000 to cover a portion of the total premium, the entire amount of the life insurance premium is frequently taxable.

  • What factors affect the cash surrender value of a life insurance policy in Hoover?

    The term of the policy, which indicates how long the policyholder has been paying into it as well as how long the investment has grown, has the greatest influence on the cash surrender value of a life insurance policy in Hoover. The amount paid for coverage influences the cash surrender value because a portion of it is used to fund the cash value component's investing capital.

  • What documents must be submitted when filing a claim for life insurance in Hoover?

    When making a life insurance claim in Hoover, the information below must be provided:

    • The name, birthdate, date and cause of death, and state of residence of the insured.
    • The insured's official death certificate, either in its original form or in a duplicate.
    • The insured's Social Security number or life insurance policy number.
  • Can you still buy a life insurance policy in Hoover even if you have committed a crime in the past?

    Yes, even if you have a criminal record, you can still get life insurance in Hoover. When deciding whether to offer life insurance to people with criminal records, insurance companies often consider a number of factors. The nature and seriousness of the offense, rehabilitation efforts, the length of time since the verdict, and the applicant's general health and lifestyle are all factors to consider.

  • If you are suffering from a digestive disorder, can you still purchase life insurance in Hoover?

    Yes, even if you have a digestive disorder, you can still buy life insurance in Hoover. If you have a digestive disorder, you will be required to submit medical documentation when applying for life insurance. Diagnoses, medications, treatment histories, relevant test findings, applicable surgeries, and endoscopy or colonoscopy reports may be included in these medical files.

  • 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.

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