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2024

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Best Life Insurance Companies in Waukegan

Our Recommended Top 19

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 Waukegan 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.

3862

Reviewed

2324

Curated

19

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2216 Grand Avenue, Waukegan, IL 60085
  • Life Insurance
  • Health Insurance

Why choose this provider?

Wise-Way, Ltd. is a full-service insurance company that serves the people in the Waukegan metro and surrounding areas for over 25 years. It specializes in life insurance but also provides health benefits. Its health benefits policies include short-term, accidental expense, and health insurance coverages. Wise-Way, Ltd. strives to simplify complicated insurance concepts to help its clients find the applicable product to address their needs. In addition to insurance, it also offers investment for retirement income in the form of annuities.

License Verified:

License: 100297232

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.
4.1
Google
4.0 / 5 (42)
Facebook
5.0 / 5 (9)
Yelp
1.0 / 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

Website
4156 Old Grand Avenue, Gurnee, IL 60031
  • Life Insurance
  • Health Insurance

Why choose this provider?

U.S Army veteran Bill Hume has been working as an insurance agent for State Farm since 1979. He provides various insurance products and solutions to individuals, families, and businesses in Waukegan. He also ffers insurance coverages for life, health, homes, properties, businesses, and automobiles. Bill is the founder and treasurer of the State Farm Agents & Assoc. PAC. He does volunteer work with disabled veterans and seniors and has served as president for the National Association of Insurance and Financial Advisors.

License Verified:

License: 2149771

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
4.9 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
250 Parkway Drive, Lincolnshire, IL 60069
  • Life Insurance
  • Health Insurance

Why choose this provider?

R Hobbs Insurance Agency is a family-owned and independent agency catering to the insurance needs of Waukegan and nearby areas. It compares coverages from several companies to provide life insurance policies, including term, whole, and universal life insurance. Additionally, the firm guides clients through purchasing personal lines insurance products, such as auto, homeowners, motorcycle, and health. R Hobbs Insurance Agency management named the company after Roy Hobbs, a rescue dog from the Orphans of the Storm Animal Shelter.

License Verified:

License: 100288955

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

Website
2708 Grand Avenue, Waukegan, IL 60085
  • Life Insurance
  • Health Insurance
  • Individual Plans
  • Group Plans

Why choose this provider?

Anderson Insurance Brokers, Inc., is a provider of life insurance plans to Waukegan and nearby areas. With five locations across the state, the independent insurance agency currently serves more than 9,500 clients. It also offers automobile, umbrella, commercial property, general liability, home, and workers' compensation insurance. Its services include analysis of insurance needs, selection of insurance providers, settlement of claims, protection program design, and review of insurance programs. Anderson Insurance Brokers, Inc., was established by Scott Anderson in 1994.

License Verified:

License: 2168157

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.
4.3
Facebook
5.0 / 5 (25)
Yelp
2.5 / 5 (11)
Google
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
Helpfulness
Detail

Website
14388 Shanklin Court, Libertyville, IL 60048
  • Life Insurance
  • Health Insurance

Why choose this provider?

Serving Waukegan, Dowd Insurance Agency is an independent insurance firm providing an array of insurance solutions to clients in the metro. It offers insurance products such as term life insurance, permanent whole life insurance, health insurance, critical illness insurance, long-term care insurance, and disability income protection. Dowd Insurance Agency was founded in 2005 by Charles Dowd. It has a strong focus on delivering personalized insurance services to its clientele and creating long-term relationships with them.

License Verified:

License: 2113614

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

Website
130 North Genesee Street, Waukegan, IL 60085
  • Life Insurance

Why choose this provider?

Horizon Benefit Services is an independent insurance agency based in Waukegan. It offers various life insurance products, including term life insurance, universal life insurance, whole life insurance, and final expense insurance. Owner Carrie Espinosa is a Medicare Specialist and Benefits Advisor who serves organizations, such as Healthcare Zion, Senior Service Coalition of Lake Co, and the Chicago Northern IL Association of Health Underwriters. Horizon Benefit Services is a member of the National Association of Health Underwriters.

License Verified:

License: 7903184

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.
4.4
Facebook
4.4 / 5 (2537)
Google
4.0 / 5 (17)

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
400 North Field Drive, Lake Forest, IL 60045
  • Health Insurance

Why choose this provider?

Trustmark, a mutual company, is a Trustmark Mutual Holding Company subsidiary that provides insurance services in Waukegan. With over 3,500 associates in their team, they are everywhere in the US, with more than 12 regional offices to help their clients. They have been in the business for more than 100 years, dating back to establishing the Brotherhood of All Railway Employees in 1913. The forefathers of the Trustmark are two insurance professionals, William Montgomery and Albert Lindsley.

License Verified:

License: 100291420

Illinois Department of Insurance

Website
4673 Old Grand Avenue, Gurnee, IL 60031
  • Life Insurance

Why choose this provider?

Founded in 1977, Insurancenter Stolarick & Company, Inc., is an independent, full-service agency that provides insurance solutions to businesses and individuals in Waukegan and its surrounding areas. It has partnered with different insurance carriers in order to provide various options that its clients can choose from. The policies that the company offers under life insurance include whole life, term life, and universal life insurance. Furthermore, it also specializes in auto, home, renters', commercial, umbrella, and general liability insurance.

License Verified:

License: 100299147

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 (4)
Google
5.0 / 5 (1)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
411 South Illinois 83, Grayslake, IL 60030
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Why choose this provider?

Titan Life Insurance Agency is a company that helps customers in Waukegan secure their futures through its investment options and financial strategies. Its life insurance packages include whole, term, family, and universal life insurance policies. The company also offers critical illness insurance for customers who want a plan that would cover their major medical needs and accident insurance for those who want a policy that would cover their medical expenses on unexpected events such as accidents.

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 (6)

Website
203 Grand Avenue, Lake Villa, IL 60046
  • Life Insurance
  • Health Insurance

Why choose this provider?

Dan M Weier has been catering to clients in Waukegan and nearby areas for over 24 years. It is an independent insurance agency specializing in home, auto insurance, life, or business coverages. Clients may get a term or whole life insurance policy from the agency. The insurance will be based on two main factors, age and health. With independent insurance, clients can discuss their specific needs to determine the coverage that they need. Dan M Weier has a wide range of represented life insurance carriers.

License Verified:

License: 2157382

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.
4.3
Google
4.0 / 5 (46)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
105 Washington Avenue, Highwood, IL 60040
  • Life Insurance

Why choose this provider?

Brian Lock is a State Farm insurance agent serving Waukegan and surrounding areas. He and his team have been in business for over 10 years. Their aim is to help clients manage the risk associated with their auto, life, health, and business insurance. Brian Lock's office has also qualified for the Chairman's Circle, Ambassador Club, and SVP Club. Rosa Stefani, the office manager, is fluent in Italian and is part of the Highwood Fire Pension Board.

License Verified:

License: 100645699

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.
4.3
Google
4.0 / 5 (58)
Facebook
5.0 / 5 (34)
Yelp
4.0 / 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
10908 North Main Street, Richmond, IL 60071
  • Life Insurance
  • Health Insurance

Why choose this provider?

Elite Insurance Group is a Richmond-based full-service agency serving businesses and individuals in the Waukegan area. Its insurance professionals help clients acquire life insurance products. Additionally, they offer other personal plans that include homeowners', renter's, umbrella liability, automobile, and classic auto insurance. As an independent insurance company, it works with various carriers, including Banner Life, Prudential, Humana, Aetna, and Blue Cross Blue Shield. Elite Insurance Group has been providing insurance solutions for more than 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.
4.9
Facebook
4.9 / 5 (23)
Google
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
108 North Milwaukee Avenue, Libertyville, IL 60048
  • Life Insurance
  • Health Insurance

Why choose this provider?

Wm. Schwartz & Co. Insurance is an independent and locally owned agency that serves Waukegan. It offers life insurance options as well as various healthcare, dental, disability, and long-term care insurance plans from several providers that include Chubb, Hagerty, and The Hartford. The Schwartz family has been its owner and operator for more than 122 years. It is also affiliated with the ISU insurance agency network, which gives it access to major carriers across the country. CEO Lee S. Schwartz joined the agency in 1962.

License Verified:

License: 100292084

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.
4.2
Google
4.0 / 5 (41)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
222 East Wisconsin, Lake Forest, IL 60045
  • Life Insurance
  • Health Insurance

Why choose this provider?

Based in Lake Forest, Craig Perry is an insurance agent who has been working with State Farm for 18 years. He serves customers in Waukegan and the surrounding communities. He offers a wide range of insurance products, including term, whole, and universal life insurance policies. In addition, he provides car, home, health, pet medical, and property insurance plans. Craig focuses on helping clients protect their loved ones through insurance acquisition. His office is located a couple of blocks away from Market Square.

License Verified:

License: 7565504

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.
2.0
Google
2.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
580 North Western Avenue, Lake Forest, IL 60045
  • Life Insurance
  • Health Insurance

Why choose this provider?

Price Insurance is a family-owned business serving the Waukegan area. It is an independent insurance agency that offers a full range of life insurance plans, including individual, group, disability, and long-term care coverages. The company's agents also help clients acquire mortgage protection, second-to-die policy, and key person insurance. Additionally, they create insurance coverages for accounting firms, maintenance contractors, and real estate businesses. Price Insurance is a fourth-generation company that has been in the business since 1937.

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 (7)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
250 East Illinois Road, Lake Forest, IL 60045
  • Life Insurance
  • Long Term Care

Why choose this provider?

Webb Insurance Group provides life insurance services to clients in Waukegan. Its team helps families receive death benefit protection for the unexpected loss of their loved ones. It also offers disability insurance to help individuals with their financial matters in case of an illness or injury that makes them incapable of working. The company's owner, Chris Webb, has been working in the insurance industry since graduating from college. Additionally, he partners with The Mother’s Trust Foundation, an organization that helps vulnerable children.

License Verified:

License: 354204

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 (195)
Facebook
5.0 / 5 (2)
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
1400 Sunset Avenue, Waukegan, IL 60087
  • Life Insurance
  • Health Insurance

Why choose this provider?

Kaiser/North Shore Insurance Agency is a bilingual independent agency servicing clients in Waukegan and the neighboring areas. The agency writes a variety of life insurance products for individuals, children, and key employees of businesses. It also handles insurance solutions for auto, home, RV, and umbrella needs. Moreover, it caters to businesses and employees by providing policies for workers' compensation, general liability, and commercial property. Kaiser/North Shore Insurance serves clients in nine states.

Attorney Information

Attorney NamesExperience
Christopher Tomek - Vice President12 yrs

License Verified:

License: 533761

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 (5)
Facebook
5.0 / 5 (2)
Yelp
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

Website
1275 Milwaukee Avenue, Glenview, IL 60025
  • Life Insurance

Why choose this provider?

United National Life Insurance is an insurance company that offers insurance products to clients in Waukegan. Founded in 1961, the firm designs a whole life insurance policy that provides a valuable death benefit to the families of the policyholders upon their passing. The beneficiaries can use the money to pay the last expenses, mortgage, as well as to replenish the lost income. In addition, the company offers a health insurance plan that covers dental, optical, and hospital expenses.

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 (90)

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
747 North Milwaukee Avenue, Libertyville, IL 60048
  • Life Insurance

Why choose this provider?

Koch Insurance Agency, Inc., has been offering insurance solutions in Waukegan and the surrounding areas since 2002. Owner Mike Koch has been in the insurance industry for 30 years, striving to provide the life insurance policy that his clients need. His life insurance options include term life, whole life, and universal life insurance. It works with various insurance carriers and writes life insurance packages according to the client's personal and financial needs. Koch Insurance Agency also offers auto, property, and business insurance.

License Verified:

License: 100302588

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 (4)
Facebook
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

Frequently Asked Questions

  • What effect does having life insurance in Waukegan have on Social Security?

    The payoff from a life insurance policy in Waukegan would be regarded as unearned income, so it would not affect your Social Security retirement benefit. However, receiving a life insurance payout or borrowing against your policy's cash value can affect your Social Security disability benefits. You will not be eligible for the SSI benefits if the life insurance payout is over $2,000. This would put you above the $2,000 individual asset limit.

  • Can you obtain life insurance in Waukegan if you have COPD?

    Yes. You can still purchase life insurance in Waukegan if your COPD is well-managed. However, if you have severe COPD, you might not be able to get a standard policy because the insurance company will require you to undergo a medical exam. You can still apply for guaranteed issue plans, which don't look at your health, but they can be much more expensive and offer less money in the event of your death.

  • How much time does a Waukegan beneficiary have to file a claim on a life insurance policy?

    In Waukegan, there is no deadline for submitting a life insurance claim. As a beneficiary, you only need to confirm that the policy was active prior to the insured's death. Nevertheless, it is advisable to furnish the requisite documentation for payout processing to receive the payout in a timely manner.

  • How long do Waukegan life insurance companies release payouts?

    Life insurance companies in Waukegan take one to two months to transmit death benefits to beneficiaries. In some instances, there is a delay in payout if the beneficiary submits incorrect forms or the policy has expired. Additionally, the insurance company must conduct an investigation. For instance, the insured's cause of death is determined to be homicide. As a result, the insurer must rule out the possibility that the beneficiary was implicated in the incident.

  • What happens if a child is named as the beneficiary of a Waukegan life insurance policy?

    If a policy in Waukegan names a minor as a beneficiary, the court will designate a guardian to hold the minor's fortune until they turn 18. However, you cannot control how this guardian will use the funds. Instead, set up a trust and name your child as a beneficiary. This is a safe way to leave your child money. You will have control over how your child's death benefit is spent, but it will also make taxes more complicated.

  • 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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