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2024

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Best Life Insurance Companies in Birmingham, AL

Our Recommended Top 15

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 Birmingham 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.

10147Reviewed

6094Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2225 Cahaba Valley Drive, Birmingham, AL 35242
WebsiteLicense: 3000389602

Expertise.com Rating

Review Sources

Google
4.9 (38)
Facebook
4.9 (23)

Why choose this provider?

Legacy Insurance is an independent agency serving individuals and families in Birmingham. It offers a wide selection of products, such as life, home, condo, auto, and flood insurance. Its life insurance policy includes term, whole, and universal coverage, as well as life settlements and final expenses. The company works closely with clients to create a plan for their needs and requirements, aiming to help them build and protect their legacy. It represents various carriers, including Heritage, Attune, CNA, Chubb, and Nationwide.

  • Life Insurance

825 Main St, Gardendale, AL 35071

Expertise.com Rating

Why choose this provider?

Wicker Agency offers a variety of insurance options to protect its clients and their families. The independent agency provides product and rate diversity through its partnership with a network of insurance carriers. Its term, whole, and universal life insurance plans are tailored to meet clients' needs. The company's agents consult with individuals and evaluate how to maximize coverage based on current financial situations and goals. They consider family obligations and assets.

2501 20th Pl S Ste 300, Birmingham, AL 35223

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

Assurance Financial Solutions is an independent life insurance agency in Birmingham. Its licensed agents use their knowledge and experience to guide clients through the process of choosing a life insurance policy that meets their short- and long-term financial goals in the event of their death. Choices include term, whole, universal, guaranteed universal, no exam, and guaranteed acceptance life insurance policies. Assurance Financial Solutions also offers disability and long-term care insurance.

201 Office Park Drive, Birmingham, AL 35223
WebsiteLicense: 418494

Expertise.com Rating

Review Sources

Google
4.0 (35)
Facebook
5.0 (13)

Why choose this provider?

Altasurance serves families and businesses throughout the Birmingham community. The agency offers personal and commercial insurance products, including life, disability, homeowners, and long-term care insurance. As an independent insurance agency, it works with multiple insurance carriers to deliver various products that match every client's needs. Some of the companies it works with include MetLife, ING, AXA, and Nationwide. Altasurance is part of Dave Ramsey's ELP program, a network of local professionals guided by similar financial principles.

  • Life Insurance

3100 Lorna Rd Ste 211, Vestavia Hills, AL 35216

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (1)

Why choose this provider?

The Maynard Group Agency is an independent agency providing clients with a wide variety of insurance solutions. The company represents top-tier carriers, allowing it to offer diverse products and rates. Its individual life insurance coverage may include a term, whole, or universal policy as well as mortgage protection and final expense insurance. The Maynard Group Agency also offers fixed annuities. Additionally, the company provides home, auto, and business insurance protection.

1423 4th Ave N, Bessemer, AL 35020

Expertise.com Rating

Review Sources

Google
4.9 (13)

Why choose this provider?

Holt Insurance Agency has offered comprehensive insurance services since 1979. The independent agency works with a variety of providers to deliver a comparative analysis of products and streamline the process of purchasing individual life insurance. The company's agents consult with clients to determine their current financial circumstances and goals before making recommendations for term, whole, or universal life insurance options. They help clients navigate the nuances between each product to provide the protection they require for their families and assets.

3505 Bent River Rd Ste 7, Vestavia Hills, AL 35216

Expertise.com Rating

Review Sources

Google
4.9 (20)

Why choose this provider?

Insurance Seekers is a life and health insurance agency in Birmingham that works with individuals throughout the area. An independent agency that works with a wide variety of top carriers to help you find the best coverage to suit your exact situation. Its licensed agents help clients make informed decisions when choosing a health insurance policy to protect their families. The agency also assists with term and whole life insurance plans to cover client's families in the event of their death. Other products include auto, home, business auto, and commercial general liability insurance policies.

200 Union Hill Dr. Ste 101, Birmingham, AL 35209
WebsiteLicense: 311901

Expertise.com Rating

Review Sources

Facebook
5.0 (19)

Why choose this provider?

Petra Life Services operates in the Birmingham metro and the surrounding communities. The agency has been providing life insurance to individuals, businesses, and charities for over 50 years. It uses its experience to explain the complexities to its clients and guide them in making informed decisions. It also offers disability insurance, long-term care, and annuities. As Christians, the firm's passion for life insurance comes from the belief that it is a tool for the creation of security.

  • Life Insurance

3000 Riverchase Galleria Suite 950, Hoover, AL 35244
WebsiteLicense: 793810

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Antonio D. Sankey & Associates, LLC, offers life insurance policies—which support surviving family members in the event of their loved one's death—to Birmingham residents. Antonio Sankey has helped individuals, families, and business owners build, preserve, and protect their wealth for over 24 years. As someone who grew up with insufficient funds, he understands the importance of financial planning. Sankey is a member of the National Association of Insurance and Financial Advisors and was listed among its Top Advisors Under 40 awardees in 2014 and 2015.

  • Life Insurance

9624 Pkwy E, Birmingham, AL 35215
WebsiteLicense: 766692

Expertise.com Rating

Review Sources

Google
4.3 (41)
Facebook
4.2 (26)

Why choose this provider?

The Reed is an independent insurance agency that provides individuals in Birmingham and nearby areas with suitable coverage plans. Whether it's a life plan or asset protection, its representatives recommend options to give its clients the proper benefits for their families. Its wide selection of products includes health, life, worker compensation, renter, auto, and commercial insurance. The company employs staff who are fluent in both English and Spanish, enabling them to reach out to more customers.

  • Life Insurance

14 Office Park Circle, Mountain Brook, AL 35223
WebsiteLicense: 768226

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

Iron City Insurance Brokers is an independent agency headquartered in Birmingham that has been operating since 2016. It provides individuals and families with various life insurance products, such as individual life, long-term care, and disability insurance programs. Its other life insurance services include fixed annuities, final expense, and mortgage protection insurance policies. Moreover, It offers personal and business insurance protection. The company has a staff member fluent in Spanish. Iron City Insurance Brokers has access to regional and national carriers.

  • Life Insurance
  • Individual Plans

4000 Meadow Lake Drive Suite 119, Birmingham, AL 35242
WebsiteLicense: 32354

Expertise.com Rating

Why choose this provider?

Roger Watts Agency is an insurance firm that serves the Birmingham metro and neighboring communities. It helps customers in securing various types of life insurance protection plans such as term, universal, whole, and variable universal life insurance. Its team of insurance agents, backed by more than 60 years of combined experience, assists clients during claims filing and compares policies from different carriers. Roger Watts Agency carries insurance products from Nationwide, Travelers, Hagerty, National General, and Progressive.

  • Health Insurance

623 Bessemer Super Hwy, Birmingham, AL 35228

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Yelp
5.0 (1)

Why choose this provider?

Laquisha Fisher - Acceptance Insurance is a life insurance agency in Birmingham that has over 20 years' experience serving clients throughout the area. Owner and operator, Laquisha Fisher, holds property and casualty licensing, and helps individuals find a life insurance policy that meets their current and future financial goals for their families. The agency offers flexible, short-term life insurance options that meet a variety of situations. Other products include renters, homeowners, and auto insurance policies.

999 Mount Olive Rd Ste 123, Gardendale, AL 35071

Expertise.com Rating

Why choose this provider?

Allison Agency Inc. is an independent agency offering its individual and business clients a wide selection of insurance options. The company represents a network of top-tier carriers for its clients interested in purchasing life insurance. It assists with navigating the process between term, whole, and universal plans to determine the product that best meets individual needs. Allison Agency also provides auto and home insurance policies and works with a diverse range of business industries.

438 Carr Ave Ste 11, Birmingham, AL 35209

Expertise.com Rating

Why choose this provider?

American Insurance Agency is a health insurance company in Birmingham that's been helping individuals, families, and businesses since 1986. Its licensed agents work with a wide range of insurance carriers to help clients find a comprehensive health insurance plan to meet their family's needs, which can include dental, vision, and general medical coverage. The company also assists individuals with life insurance plans to financially help beneficiaries with expenses, such as college, daily living costs, and debt repayment.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Legacy Insurance
2225 Cahaba Valley Drive, Birmingham, AL 35242
Wicker Agency
825 Main St, Gardendale, AL 35071
Assurance Financial Solutions
2501 20th Pl S Ste 300, Birmingham, AL 35223
Altasurance
201 Office Park Drive, Birmingham, AL 35223
The Maynard Group Agency
3100 Lorna Rd Ste 211, Vestavia Hills, AL 35216
Holt Insurance Agency
1423 4th Ave N, Bessemer, AL 35020
Insurance Seekers
3505 Bent River Rd Ste 7, Vestavia Hills, AL 35216
Petra Life Services
200 Union Hill Dr. Ste 101, Birmingham, AL 35209
Antonio D. Sankey & Associates, LLC
3000 Riverchase Galleria Suite 950, Hoover, AL 35244
The Reed
9624 Pkwy E, Birmingham, AL 35215
Iron City Insurance Brokers
14 Office Park Circle, Mountain Brook, AL 35223
Roger Watts Agency
4000 Meadow Lake Drive Suite 119, Birmingham, AL 35242
Laquisha Fisher - Acceptance Insurance
623 Bessemer Super Hwy, Birmingham, AL 35228
Allison Agency Inc
999 Mount Olive Rd Ste 123, Gardendale, AL 35071
American Insurance Agency
438 Carr Ave Ste 11, Birmingham, AL 35209

FAQs

  • What is the average cost of life insurance for young Birmingham residents, and will it be cheaper?

    Young Birmingham residents benefit the most from purchasing life insurance policies early, particularly before the age of 25. These early-bird policies are typically less expensive, ranging from $13 to $37 per month. Acquiring such insurance early not only saves money now but also prevents future costs as premiums rise with age. Making a timely decision can result in significant long-term savings.

  • When should Birmingham residents reassess their insurance requirements?

    Residents of Birmingham should reevaluate their insurance coverage annually. Moreover, any significant life shifts, such as getting married, welcoming a new child or grandchild, health alterations, buying a home, or inheriting assets, warrant an immediate discussion with their insurance representative. These pivotal moments can profoundly influence one's insurance demands, ensuring protection aligns with life's evolving landscape.

  • Is obtaining a life insurance policy still necessary for Birmingham residents who do not have children?

    Even for those without children in Birmingham, life insurance is essential. While they may not have any immediate dependents, outstanding debts may fall on relatives such as elderly parents after their death. Insurance plans are available to cover these debts as well as funeral and interment costs, preventing additional financial strain on bereaved family members. Purchasing a policy provides the individual and their family with peace of mind.

  • What are the consequences in Birmingham for not repaying interest on a life insurance policy loan?

    If a Birmingham policyholder fails to pay interest on a life insurance loan, the interest amount is added to the loan's total. If this total exceeds the cash value of the policy, the policy will be terminated, leaving no value. Furthermore, if the policyholder dies before repaying the loan, the outstanding balance will be deducted from the policy's death benefits, reducing the payout to beneficiaries.

  • Is it permissible for just anyone in Birmingham to secure a life insurance policy on another individual?

    Without a valid insurable interest, it is not possible to obtain life insurance for another person in Birmingham. This interest exists when the policy buyer faces a financial setback as a result of the insured's death. Family members, debtors concerned about repayment, business associates, and immediate family members such as spouses or children are examples of relationships that exhibit this interest. It ensures that genuine reasons for policy acquisition are provided.

  • 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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