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Best Life Insurance Companies in Waterbury, CT

Our Recommended Top 16

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

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16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Waterbury
344 Robbins Street, Waterbury, CT 06708
Visit WebsiteLicense: 586180

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Review Sources

Google
4.8 (24)
Facebook
5.0 (18)

Why choose this provider?

Montagno Insurance is a full-service insurance agency serving residents of the Waterbury community and neighboring areas. It offers a range of personal and commercial insurance policies including temporary, permanent, cash value life, final expense, auto, and homeowners' insurance. The company, headed by Mark Montagno, has over 50 years of experience and its staff has close to 100 years of combined insurance experience. Montagno Insurance is a local company involved in charities and organizations within the community.

  • Life Insurance

Best Life Insurance Companies Serving Waterbury
35 Old Tavern Road, Orange, CT 06477
Visit WebsiteLicense: 2231149

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Facebook
5.0 (20)
Google
4.9 (7)
Yelp
4.0 (1)

Why choose this provider?

Amity Insurance & Financial Services, LLC, is a life insurance provider that serves policyholders in and around Waterbury. Clients have a choice of term, whole, and universal policies. These coverages afford the policyholder certain death and living benefits depending on the type of insurance. Its other personal lines are auto, homeowners', renter's, and umbrella insurance. The company's owners are former insurance agents at Prudential who have been in the industry since the mid to late 1980s.

  • Life Insurance

Best Life Insurance Companies Serving Waterbury
1828 Dixwell Avenue, Hamden, CT 06514
Visit WebsiteLicense: 157565

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Why choose this provider?

Colonna Insurance Services, LLC, is an independent life insurance provider that serves the Waterbury area and New Haven County. It sources products like term life insurance, whole life insurance, or universal life insurance from its several carriers, depending on the specific needs of each client. The agency was established in 1980 by Vincent Colonna, Sr., an insurance agent since 1966. Aside from Connecticut, the agency is also qualified to offer insurance products in New York, Texas, and Alabama.

  • Life Insurance

Best Life Insurance Companies Serving Waterbury
254 Main Street, Bristol, CT 06010

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Why choose this provider?

C.V. Mason & Company Insurance is a family-owned and family-operated insurance agency that offers life insurance plans to clients around the Waterbury area. The agency was established in 1883 and has since helped clients with purchasing insurance products that fit their needs through their vast network of insurance carriers. The most common life insurance plans it manages are term life and whole life insurance. Additionally, the agency offers other types of insurances, including home, auto, and commercial insurance.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Waterbury
Middlebury, CT 06762

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Why choose this provider?

Woodfield Insurance is an agency that helps families and individuals with their life insurance requirements in Waterbury and the surrounding areas. It works with local and national insurance carriers to offer customized coverage plans for whole and term life policy programs. Additionally, Medicare, health, auto, and dental protection packages are available. Woodfield Insurance has over 30 years of experience in the industry and has served thousands of clients across the state. It strives to deliver individualized guidance to provide solutions that fit every client's needs.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Waterbury
375 Elm Street, West Haven, CT 06516
Visit WebsiteLicense: 1066326

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Review Sources

Google
4.4 (15)

Why choose this provider?

Insurance Problem Solvers LLC is a company that provides services to clients in the Waterbury metro. It offers different types of life insurance, such as whole life, universal life, and variable life. Additionally, annual renewable and level premium terms are offered. Moreover, it also helps with acquiring bonds, flood, health, homeowners, and renters insurance products. Robert Rosenberg, the firm's president, has over 30 years of experience in the insurance industry. He holds a master's degree in Business Administration.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Waterbury
11 Scovill Street, Waterbury, CT 06706
Visit WebsiteLicense: 812200

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Review Sources

Google
4.8 (15)

Why choose this provider?

Providing insurance solutions to clients in Waterbury, Sundel & Milford, Inc., is a local independent agency founded by Meyer Sundel in 1949. Its team works with several carriers and handles products like term life insurance, whole life insurance, universal life insurance, health insurance, and umbrella insurance. In addition, the company also delivers coverages for homes, condos, classic cars, and boats. Policy options like workers’ compensation, general liability, and bonds are likewise offered. Sundel & Milford aims to analyze its customers' needs and design corresponding protection programs.

  • Whole Life Insurance
  • Life Insurance
  • Term Life Insurance

Best Life Insurance Companies Serving Waterbury
4 Brookdale Street, Wolcott, CT 06716
Visit WebsiteLicense: 2340211

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Review Sources

Google
5.0 (16)

Why choose this provider?

Wolcott Insurance Group, LLC, handles the life insurance needs of clients in Waterbury. Its staff members help individuals select the right life insurance policy that fits the needs of their beneficiaries or loved ones. These policies cover financial security, final costs, college funds, and mortgage payments. Additionally, the agency offers flood, recreational, home, auto, commercial, and renters' insurance products. It also partners with Safeco Insurance, Utica National Insurance Group, Plymouth Rock, and Progressive insurance carriers.

  • Individual Plans
  • Life Insurance

Best Life Insurance Companies Serving Waterbury
60 Waterbury Road, Prospect, CT 06712
Visit WebsiteLicense: 925528

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Review Sources

Facebook
5.0 (18)
Google
5.0 (7)

Why choose this provider?

Hughes Insurance works with a variety of lenders to provide term life, whole life, and universal life products across Waterbury. Its policies help individuals and families pay for burial expenses, support child education, and develop cash value. It also helps protect employers from injury claims, covers homes and commercial properties, finds health plans, secures automobiles, insures condo renters, and assists with legal defense fees. Hughes Insurance, an independent company, has been in business for over 40 years.

  • Life Insurance

Best Life Insurance Companies Serving Waterbury
255 Bank Street, Waterbury, CT 06702
Visit WebsiteLicense: 84512

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Review Sources

Google
4.2 (13)

Why choose this provider?

Security First Insurance Group is a full-service company that has been offering life insurance services in Waterbury and its surrounding areas since 1984. It offers different life insurance types, including whole life, term life, variable life, and universal life. It also arranges policies for motorcycle, auto, liability, automobile, and crime insurance. In order to provide different choices of policies to its clients, Security First Insurance has partnered with different carriers like Utica First Insurance Company, Zurich Insurance Group, and MetLife.

  • Whole Life Insurance
  • Health Insurance
  • Term Life Insurance

Best Life Insurance Companies Serving Waterbury
272 Meriden Road, Waterbury, CT 06705

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Why choose this provider?

EM Agency has nearly three decades of experience offering future financial security through insurance services. It assists Waterbury clients in purchasing life insurance across term life and whole life options. Its insurance professionals and financial advisors conduct personalized insurance assessments to determine and review the client's needs. In addition, the company's agents partner with multiple carriers to provide a wide range of life, personal, and business insurance products. These products include home, auto, professional liability, health, and flood insurance.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Waterbury
770 Highland Avenue, Waterbury, CT 06708
Visit WebsiteLicense: 2502650

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Review Sources

Facebook
5.0 (31)
Google
5.0 (6)

Why choose this provider?

Muni Insurance, Inc., serves individuals, business owners, and families in Waterbury and the surrounding areas with a range of insurance solutions. It guides clients in securing life insurance policies that suit their specific situations. Additionally, health, accident, dental, and vision plans are available. Entrepreneurs can choose among the selection of business insurance policies that provide coverage for general liability, workers' compensation, and commercial property and auto. Besides insurance products, the agency also offers for-hire trucking services.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Waterbury
211 Schraffts Drive, Waterbury, CT 06705
Visit WebsiteLicense: 697480

Expertise.com Rating

Review Sources

Google
4.5 (12)

Why choose this provider?

CDR Insurance Group, Inc., has been in the business of providing life insurance products and financial services to clients in Waterbury for over two decades. The company offers assistance with mortgage protection, long-term care, key person, and second-to-die policies. Its other personal insurance offerings include auto, home, and personal umbrella coverage. The independent agency also helps clients with health insurance options and packages. CDR Insurance Group additionally handles insurance for specific industries, such as hotels, accounting firms, arborists, and waste hauling businesses.

  • Life Insurance
  • Group Plans
  • Individual Plans

Best Life Insurance Companies Serving Waterbury
1627 Meriden Road, Wolcott, CT 06716
Visit WebsiteLicense: 2328413

Expertise.com Rating

Review Sources

Google
4.0 (35)

Why choose this provider?

Moe Kader is a State Farm agent serving clients in Waterbury and the surrounding areas. He has been serving individuals, families, and businesses for over 12 years. Kader helps clients manage the risks of their everyday life and recover from the unexpected by providing life insurance coverage. He also offers options for health, business, auto, home, and pet insurance, in addition to banking services. Moreover, Kader is a qualifier for various industry awards, such as Ambassador Traveler and Bronze Honor.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Waterbury
617 South Britain Road, Southbury, CT 06488
Visit WebsiteLicense: 582250

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Why choose this provider?

Founded in 1891, Mitchell Insurance, Inc., is a Southbury-based company that provides insurance products and services to individuals and businesses in the Waterbury metro. It is an independent agency that offers life insurance plans as well as disability and health insurance. The company's agents also create insurance coverages for automobiles, motorcycles, boats, homes, and condominiums. They also deal with worker's compensation and commercial property insurance. Owner Mark A. Mitchell has been in the insurance industry for more than 38 years.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Waterbury
27 Siemon Company Drive, Watertown, CT 06795
Visit WebsiteLicense: 1088769

Expertise.com Rating

Review Sources

Google
5.0 (25)

Why choose this provider?

Colonair Insurance Agency is a family-operated independent insurance agency that serves Waterbury and the surrounding areas. It offers life insurance, long-term care plans, disability coverage, and dental insurance. In addition, it also provides health insurance for individuals and families. Agency principal Tracey Colonair has been working in the industry for more than 25 years. Colonair Insurance Agency is a member of the Waterbury Association of Insurance Professionals and International Association of Insurance Professionals.

  • Health Insurance
  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Montagno Insurance
344 Robbins Street, Waterbury, CT 06708
Amity Insurance & Financial Services, LLC
35 Old Tavern Road, Orange, CT 06477
Colonna Insurance Services, LLC
1828 Dixwell Avenue, Hamden, CT 06514
C.V. Mason & Company Insurance
254 Main Street, Bristol, CT 06010
Woodfield Insurance
Middlebury, CT 06762
Insurance Problem Solvers LLC
375 Elm Street, West Haven, CT 06516
Sundel & Milford, Inc.
11 Scovill Street, Waterbury, CT 06706
Wolcott Insurance Group, LLC
4 Brookdale Street, Wolcott, CT 06716
Hughes Insurance
60 Waterbury Road, Prospect, CT 06712
Security First Insurance Group
255 Bank Street, Waterbury, CT 06702
EM Agency
272 Meriden Road, Waterbury, CT 06705
Muni Insurance, Inc.
770 Highland Avenue, Waterbury, CT 06708
CDR Insurance Group, Inc.
211 Schraffts Drive, Waterbury, CT 06705
Moe Kader
1627 Meriden Road, Wolcott, CT 06716
Mitchell Insurance, Inc.
617 South Britain Road, Southbury, CT 06488
Colonair Insurance Agency
27 Siemon Company Drive, Watertown, CT 06795

Waterbury, CT Life Insurance FAQs

  • How does whole life insurance differ from term life insurance in Waterbury?

    The main difference between whole life insurance and term life insurance in Waterbury is based on two main factors. Whole life insurance covers you for the rest of your life, while term life insurance is only good for a certain amount of time. Also, whole life insurance has a cash-value component that allows policyholders to borrow against or cash out their policy. Still, this feature is usually accompanied by much higher premiums, which can be up to 10 times the cost of term life insurance.

  • What are the methods for obtaining an individual's cash value in Waterbury?

    Individuals in Waterbury have three options for accessing the cash value of their life insurance policies. First, they can surrender the policy, though this usually comes with fees and the loss of the death benefit. Second, tax-free withdrawals are permitted, but extreme caution is required to avoid any negative impact on beneficiary payouts. Finally, policyholders can borrow against their policy, incurring interest payments, with any outstanding balance deducted from the death benefit if they die before full repayment.

  • How much life insurance should residents in Waterbury own?

    Waterbury residents should carefully assess their life insurance needs, taking into account a variety of factors that go beyond the traditional guideline of obtaining coverage equal to 6 to 8 times their annual income. Personal factors such as spousal earnings, dependents, preexisting benefits, and specific financial responsibilities are critical in determining the best level of coverage.

  • What are the available types of life insurance in Waterbury?

    Individuals in Waterbury have life insurance options, allowing them to choose the type that best fits their circumstances and long-term goals. These options include term, whole, universal, and variable life insurance, all of which are tailored to specific coverage and investment needs. Additionally, options such as burial, survivorship, mortgage, and credit life insurance address specific financial needs.

  • What can individuals in Waterbury get from having a life insurance policy?

    Individuals in Waterbury can benefit greatly from having a life insurance policy. In addition to providing a tax-free death benefit to beneficiaries, life insurance provides living benefits through the tax-deferred cash value growth in permanent policies. This cash value can be used for a variety of financial needs, such as covering college tuition or assisting with a home down payment, providing a valuable financial safety net for the policyholder and their loved ones, and ensuring financial security in life and death.