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Best Life Insurance Companies in Tuscaloosa

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Baldo-Downs Insurance LLC logo
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License Verified:

License: 668767

Alabama Department of Insurance

Baldo-Downs Insurance LLC

1712 Hackberry Lane, Tuscaloosa, AL 35401
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  • Life Insurance

Business Description

Baldo-Downs Insurance LLC is a locally owned independent insurance agency that has been serving individuals, families, and businesses in and around Tuscaloosa since 1981. It offers term life, universal life, whole life, and long-term care insurance policies. It also carries home and business insurance solutions. Additionally, it provides car, boat, and motorcycle insurance plans, which include collision and liability insurance. The agency's owner, Stephen Baldo-Downs, has been in the insurance industry for more than two decades.

License Verified:

License: 668767

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)
Facebook
5.0 / 5 (2)

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
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Bo Quinnie logo
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License Verified:

License: 767467

Alabama Department of Insurance

Bo Quinnie

1425 Veterans Memorial Parkway, Tuscaloosa, AL 35404
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  • Life Insurance
  • Health Insurance

Business Description

Bo Quinnie is an insurance agent with State Farm, serving clients in Tuscaloosa. He provides term life, whole life, and universal life insurance policies to protect the future of clients' families. Health insurance and Medicare-related products are also available. His team offers coverage for personal articles and properties, such as homes, rental properties, vehicles, collectibles, and jewelry. Commercial clients can avail themselves of business insurance products. Additionally, Bo and his team can provide banking-related services.

License Verified:

License: 767467

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.
4.1
Google
4.0 / 5 (7)
Facebook
5.0 / 5 (4)

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
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Detail
Fitts Agency, Inc. logo
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License Verified:

License: 79283

Alabama Department of Insurance

Fitts Agency, Inc.

1806 6th Street, Tuscaloosa, AL 35401
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

Fitts Agency, Inc. is a full-service insurance agency servicing clients in Tuscaloosa for over 144 years. The company started with handling property and casualty insurance and worked with one insurance carrier. Over the years, it started to write a variety of insurance policies, which include term and whole life plans. It also covers other personal insurance products for auto and homes. Moreover, it deals with businesses from various industries like construction, health care, and farming and has coverage for property and liability policies.

License Verified:

License: 79283

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 (10)

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 Noe logo
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License Verified:

License: 797616

Alabama Department of Insurance

Michael Noe

3920 McFarland Boulevard, Northport, AL 35476
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  • Life Insurance

Business Description

Michael Noe Agency was founded in 2010 by Michael Noe, an agent who has been in the insurance industry since graduating from college in 2011. The firm is offering interested clients insurance coverage on their automobiles, life, home, and farms for residents in Tuscaloosa and surrounding places. Michael Noe Agency also protects businesses through insurance bonds, contractors, restaurants, workers' compensation, agribusinesses, and non-profit organizations. The firm is also licensed to provide insurance needs in Alabama, Georgia, Mississippi, and Tennessee.

License Verified:

License: 797616

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
4.0 / 5 (13)
Facebook
3.0 / 5 (9)

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
Pathway Financial Resources logo
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License Verified:

License: 39427

Alabama Department of Insurance

Pathway Financial Resources

2220 University Boulevard, Tuscaloosa, AL 35401
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  • Life Insurance

Business Description

Pathway Financial Resources is a firm that provides insurance services to the residents of Tuscaloosa and the surrounding communities. Its wide array of risk management solutions include life and health, disability, and long-term care insurance. Additionally, Pathway Financial Resources offers other products and services, such as estate preservation, retirement funding, and fixed annuities. The agency's managing partner, Jimmy Duren, has been in the industry for over 43 years and currently handles a team of professional insurance agents.

License Verified:

License: 39427

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.
4.6
Google
4.0 / 5 (5)

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
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Detail
The Insurance Center logo
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License Verified:

License: 240541

Alabama Department of Insurance

The Insurance Center

2105 Jack Warner Parkway, Tuscaloosa, AL 35401
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  • Life Insurance

Business Description

The Insurance Center is a comprehensive insurance agency serving Tuscaloosa and the surrounding areas. Its team of certified insurance and customer service representatives provides life insurance policies that range from whole and term to variable and universal life plans. Its personal lines of insurance also include policies for homes, renters, and automobiles. Moreover, it offers coverages for fire and flood. Its other products include business and umbrella liability insurance. Founder Hugh Prescott established the business in 1957.

License Verified:

License: 240541

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.
4.5
Google
4.0 / 5 (14)

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
Zealco Insurance logo
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Zealco Insurance

2114 Lurleen B Wallace Boulevard, Northport, AL 35476
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  • Life Insurance
  • Health Insurance

Business Description

Zealco Insurance is a locally owned and locally operated business in Tuscaloosa that provides personal and commercial insurance. The company assists individuals in acquiring a life insurance plan that can protect their loved ones from future financial burdens. The firm focuses on term life and permanent life insurance. Its agents also deliver different kinds of health benefits, specifically fee-for-service and managed care health insurance. Founder Kyle Cornelison has been working in the insurance business since 1990. He opened the firm in 2008.

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 (2)

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
Back to Providers

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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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