Expertise.com

2024

Last updated:

Best Life Insurance Companies in Idaho

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Idaho 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.

82385Reviewed

49435Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Idaho
  • Life Insurance

Why choose this provider?

Idaho Life Insurance Agent is a locally owned and operated company that addresses the insurance needs of individuals and business owners in and around the metro. Since 2005, the agency has been focusing on providing life insurance policies that cover term, whole, and universal. Founder Scott Johnson assists clients throughout the underwriting process, including asking for a motor vehicle report and income verification. He has been working in the insurance trade for over 20 years.

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 (10)
Facebook
5.0 / 5 (9)

Website
Idaho
  • Health Insurance
  • Life Insurance

Why choose this provider?

Wood River Insurance delivers life plans to the residents of Idaho. The crew offers products from various providers, such as Foremost Insurance Group, Badger Mutual, and Western National. These choices include universal and term life policies with death or living benefits. The plans are adjustable to address the changing circumstances of individuals who have been newly married or those who have inherited a substantial estate. Wood River Insurance partners with 17 carriers and operates independently.

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.
4.8
Google
4.8 / 5 (23)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Idaho
  • Health Insurance
  • Life Insurance

Why choose this provider?

All American Insurance, Inc. attends to the needs of individuals and families in Idaho and nearby communities. It is an independent insurance agency based in Meridian that has been in business for more than 45 years. It provides clients with term and whole life insurance options to help them secure the financial future of their loved ones in the event of sudden death. The company also provides personal umbrella, home, health, auto, and business insurance plans.

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 (8)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Idaho
  • Health Insurance
  • Life Insurance

Why choose this provider?

Boise Health & Life Insurance Agency scours the vast insurance market on behalf of Idaho residents to provide them with a policy that serves their goals and meets their budget. Backed by over 20 years of experience in the financial and insurance industry, Chris Antrim leads a team of brokers who reviews existing policies and helps clients choose between term life and permanent coverages. The company partners with local and national providers, including American General, West Coast Life, Prudential Financial, and Transamerica.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Idaho
  • Health Insurance
  • Life Insurance

Why choose this provider?

Insure It All is a locally owned and operated agency that serves residents in Idaho. It offers life insurance, the processing of which may be completed online. The company also provides health, home, auto, and commercial insurance policies, which are handled by a team of professionals that share over 65 years of combined experience. Additionally, its services are available to clients in more than 30 states. Insure It All has been recognized by The Ammon Award Program as 2016's best insurance agency.

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
4.6 / 5 (292)
Facebook
4.6 / 5 (63)
Yelp
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Idaho
  • Life Insurance

Why choose this provider?

Bell Black Insurance is a local agency that serves individuals, families, and commercial customers in the state of Idaho. It provides life insurance policies, including term, whole, universal, and variable life, with custom coverages based on clients' needs. It also offers survivorship insurance, health and Medicare policies, and personal property coverage. The agency assists businesses with group benefits. Bell Black Insurance is licensed in 14 states and represents national insurance carriers, including MetLife, Progressive, and Travelers.

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
4.1 / 5 (33)
Facebook
4.3 / 5 (14)
Yelp
3.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Idaho
  • Individual Plans

Why choose this provider?

For more than 30 years, Tim Jeneson Insurance has been serving Idaho-based business owners, families, and individuals. The company offers a variety of life insurance options, including second-to-die policy, individual and group life, key person, long-term care, disability, and mortgage protection. As an independent agency, it shops and compares products from various insurance carriers, including Seacoast Brokers, Nationwide Independent, Dairyland, and Oregon Mutual, and creates customized coverages. Tim Jeneson Insurance also provides commercial insurance policies for multiple sectors, like educational, healthcare, and financial.

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)

Website
Idaho
  • Health Insurance
  • Life Insurance

Why choose this provider?

The Falls Insurance Center Inc. serves customers in Idaho and the surrounding areas who need life insurance policies. The agency has health and life products that cover long-term care and disabilities. Managed care plans are available, and non-life products are also sourced from established names such as CNA Surety, the Foremost Insurance Group, and Hagerty. Falls Insurance Center is an independent venture that has been active for more than five decades across nine states.

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
4.6 / 5 (63)
Facebook
4.7 / 5 (15)

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

Website
Idaho
  • Individual Plans

Why choose this provider?

Insurance Source of Idaho is an independent agency serving families, individuals, and businesses. It offers flexible options for life insurance that include term, final expense, universal, and whole life coverage. In addition to life insurance, its line of products extends to Medicare, health, senior, dental, and vision insurance. It also caters to the need for supplemental insurance and annuities. The company is allied with more than 20 carriers and has been in operation for over two decades.

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 (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

Website
Idaho
  • Health Insurance
  • Life Insurance

Why choose this provider?

Salmon Valley Insurance, LLC, is an independent full-service agency that assists clients in Idaho with acquiring insurance, making a policy change, or reporting a claim. It provides different kinds of life insurance, under term and whole plans, to meet various requirements and finances. Other personal insurance plans include health, auto, homeowners', renters', and umbrella. The firm also offers business insurance for small enterprises and large corporations. Salmon Valley Insurance works with several providers, including Liberty Northwest, Farmers Alliance, and Zurich. 

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.
4.7
Google
4.7 / 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

FAQs

  • 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.

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