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Best Life Insurance Companies in Decatur

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2023
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Agency One Insurance & Real Estate logo
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License Verified:

License: 1490455

Illinois Department of Insurance

Agency One Insurance & Real Estate

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500 West Main Street, Decatur, IL 62522
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Agency One Insurance & Real Estate is a locally owned and operated agency that delivers a broad range of insurance products and solutions in Decatur. It specializes in life, health, commercial, motorcycle, and renters' insurance. Its team of independent agents also handles annuities and provides policy coverage for automobiles, medical supplements, and boats. Agency One Insurance & Real Estate has over 30 years of experience in the industry. It has been catering to the community for more than 20 years.

License Verified:

License: 1490455

Illinois 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 (11)
Facebook
4.0 / 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
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Detail
Bailey Family Insurance logo
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License Verified:

License: 100785994

Illinois Department of Insurance

Bailey Family Insurance

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1625 South 6th Street, Springfield, IL 62703
  • Life Insurance

Business Description

Bailey Family Insurance is a family-owned and veteran-owned independent insurance agency that serves the residents of Decatur. It offers life insurance as well as long-term care insurance, disability insurance, and annuities. Bailey Family Insurance is a member of the Strategic Insurance Agency Alliance, Valley Insurance Agency Alliance, Independent Insurance Agents of Illinois, and Greater Springfield Chamber of Commerce. Co-founder and president Mark Bailey has been working in the insurance industry for more than 10 years.

License Verified:

License: 100785994

Illinois 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 (269)
Facebook
5.0 / 5 (92)

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
Bill Ryan logo
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License Verified:

License: 2131971

Illinois Department of Insurance

Bill Ryan

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125 West Main Street, Maroa, IL 61756
  • Life Insurance
  • Health Insurance

Business Description

Bill Ryan is an insurance agent who leads his own insurance agency, Stoutenborough Insurance Agency, Inc. Ryan and his team represent different insurance carriers, such as Nationwide, Westfield, MetLife, Safeco Insurance, and Prudential, to provide the best plans that match clients' needs and capabilities. They specialize in life insurance options that cover savings, final expenses, inheritance, and income for dependents. His agency also provides insurance options for vehicles, Medicare supplements, renters, agribusiness, and cyber liability.

License Verified:

License: 2131971

Illinois 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Blue Oak Insurance Agency logo
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License Verified:

License: 3000491996

Illinois Department of Insurance

Blue Oak Insurance Agency

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3000 Happy Landing Drive, Decatur, IL 62711
  • Life Insurance
  • Health Insurance

Business Description

Blue Oak Insurance Agency is an independent insurance agency that provides insurance services to residents and businesses in Decatur and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages. It carries life insurance plans like universal life, whole life, term life, and group life insurances. Additionally, it provides business insurance packages like general liability insurance, commercial property insurance, and workers’ compensation insurance. It specializes in life, auto, home, and business insurance.

License Verified:

License: 3000491996

Illinois 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 (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
Daton Kaisner logo
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License Verified:

License: 9206667

Illinois Department of Insurance

Daton Kaisner

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2815 West White Oaks Drive, Springfield, IL 62704
  • Life Insurance
  • Health Insurance

Business Description

Daton Kaisner is a State Farm insurance agent serving clients in Decatur. He assists them in choosing suitable home insurance, auto insurance, renters insurance, and life insurance for their needs. In addition, he also helps small business owners with their business insurance needs. Daton has been a State Farm agent since 2008. He is also an IL Army National Guard veteran and an active supporter of the Springfield Art Association, Military Veterans, and the Mini O’Beirne Crisis Nursery.

License Verified:

License: 9206667

Illinois 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
Gibson Insurance Agency, Inc. logo
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License Verified:

License: 100287732

Illinois Department of Insurance

Gibson Insurance Agency, Inc.

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North State Highway 121, Mount Zion, IL 62549
  • Life Insurance

Business Description

Gibson Insurance Agency, Inc., is an independent insurance agency that helps Decatur clients in covering expenses related to their families, residential properties, and businesses. Its agents are experienced in tailoring coverage solutions for life insurance, healthcare plans, and personal legal liabilities. The agency also works to insure hobby farms and protect commercial agriculture areas against the risk of crop loss caused by weather and pest problems. Gibson Insurance Agency is a family-owned company that has been operating since 1967.

License Verified:

License: 100287732

Illinois 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.
4.9
Google
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Likes Insurance logo

License Verified:

License: 2160302

Illinois Department of Insurance

Likes Insurance

106 East North Street, Stonington, IL 62567
  • Life Insurance

Business Description

Likes Insurance is a full-service insurance agency that services Decatur and its neighboring areas. This independent insurance agency partners with various insurance providers to help clients select plans that meet their specific needs. One of the products it offers is life insurance plans. Its agents advise clients regarding policies that can take care of their family's needs after death, such as debt repayment, funeral expenses, and daily living costs. Additionally, Likes Insurance offers personal, farm and crop, and Medicare insurance plans.

License Verified:

License: 2160302

Illinois 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Melanie Schelling logo
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License Verified:

License: 100665542

Illinois Department of Insurance

Melanie Schelling

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3350 North Water Street, Decatur, IL 62526
  • Life Insurance
  • Health Insurance

Business Description

Melanie Schelling has been a StateFarm insurance agent for more than 20 years, serving the residents of Decatur and the surrounding areas. She offers life insurance options such as term life, whole life, and universal life policies. Melanie can also assist clients looking for auto, home, and health coverage. Under her commercial line, she carries coverage against liabilities, damages, and workers' compensation. Melanie is a mother to three daughters and a former foster mom to 10 more kids.

License Verified:

License: 100665542

Illinois 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 (1161)
Facebook
5.0 / 5 (7)
Yelp
4.5 / 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
Richland Insurance Services logo
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License Verified:

License: 100689345

Illinois Department of Insurance

Richland Insurance Services

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636 West Imboden Drive, Decatur, IL 62521
  • Life Insurance
  • Individual Plans
  • Long Term Care
  • Term Life Insurance

Business Description

Richland Insurance Services, Inc., is a locally owned insurance company that helps clients in Decatur find the best policy for their life insurance needs. The independent insurance company represents several carriers that offer a variety of life insurance options for private individuals and group clients. These include term life, universal life, and whole life insurance policies. Its insurance agents also handle health, disability, and long-term care insurance packages. The company was established in 2014 by a husband-and-wife tandem Toby Koonce and Shane Major.

License Verified:

License: 100689345

Illinois 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 (36)
Facebook
5.0 / 5 (11)

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
Sams/Hockaday & Associates, Inc. logo

License Verified:

License: 100304320

Illinois Department of Insurance

Sams/Hockaday & Associates, Inc.

122 West Prairie Avenue, Decatur, IL 62523
  • Life Insurance
  • Health Insurance

Business Description

Located in Decatur, Sams/Hockaday & Associates, Inc., is a privately held insurance company that provides life insurance policies to senior clients. It helps seniors pay for outstanding debts, cover long-term care costs, replace income, cover funeral costs, and leave a legacy. Its life insurance plans are available for policyholders up to 85 of age, with the ability to accrue cash over time that can be accessed when needed. The company has been serving local seniors, focusing on Medicare insurance and retirement planning since 1981.

License Verified:

License: 100304320

Illinois 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 (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
Senior Insurance Quote logo

Senior Insurance Quote

3270 North Woodford Street, Decatur, IL 62526
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Senior Insurance Quote is an advisor and resource company for seniors in Decatur. It has been specializing in Medicare services for over 45 years and has been providing services for Medicare Supplement, Medicare Advantage Plans, and Medicare Part D drug plans. As an independent insurance agency, it represents 35 different insurance carriers and offers other products such as life insurance, long-term care, final expense plans, and annuities. Furthermore, it has dental, hearing, and vision insurance as well as cancer care options.

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 (1)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Floyd Insurance Agency logo
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License Verified:

License: 100286037

Illinois Department of Insurance

The Floyd Insurance Agency

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2805 North Jasper Street, Decatur, IL 62526
  • Life Insurance

Business Description

The Floyd Insurance Agency is an insurance agency that serves clients in Decatur. It offers life insurance products such as individual life insurance, group life insurance, fixed annuities, final expense insurance, and mortgage protection insurance. As an independent agency, it represents multiple insurance carriers and covers other insurance products such as car, home, business, commercial, and health insurance. The Floyd Insurance Agency was established in 1970. It is a family-owned business and is currently operated by second-generation family members.

License Verified:

License: 100286037

Illinois 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)

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

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.