Expertise.com Homepage

2024

Last updated:

Best Life Insurance Companies in Rockford, IL

Our Recommended Top 17

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 Rockford 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.

6981Reviewed

4195Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7445 Newburg Road, Rockford, IL 61108
WebsiteLicense: 7713325

Expertise.com Rating

Review Sources

Yelp
4.0 (85)
Google
5.0 (67)
Facebook
5.0 (11)

Why choose this provider?

Kris Wilcoxen is an agent for American Republic Insurance Services. He serves Rockford and its surrounding areas, specializing in retirement insurance programs. He assists clients and helps them understand the risks and options they might encounter with their health and life insurance needs. Working in an independent agency allows Wilcoxen to work with many companies. He conducts assessments and evaluations with clients to develop an insurance program with details that fit the needs of his clients.

  • Life Insurance
  • Health Insurance

4010 East State Street, Rockford, IL 61108
WebsiteLicense: 3000628796

Expertise.com Rating

Review Sources

Google
4.5 (42)
Yelp
1.0 (1)

Why choose this provider?

Ally Insurance Agency offers life insurance services from its office in Rockford. The agency was established in 2003 and currently has a network of over 30 insurance carriers. Its insurance advisors identify clients' needs and provide them life insurance options to choose from. They have experience handling policies involving term life insurance, universal life insurance, and whole life insurance. They also provide insurance customized to the client's preferences. Ally Insurance Agency also caters to Spanish-speaking clients.

  • Life Insurance

5535 North 2nd Street, Loves Park, IL 61111
WebsiteLicense: 19101285

Expertise.com Rating

Review Sources

Google
5.0 (151)
Facebook
5.0 (12)

Why choose this provider?

Markus Smith is a State Farm insurance agent who aims to provide protection to clients and their families in Rockford and the surrounding areas. Working with the Chamber of Commerce, he handles various products, like life insurance which may come in different policies such as whole life, universal life, or term life. Businesses may also opt for group life insurance to protect their employees. Markus also offers other products, including auto and home insurance.

  • Life Insurance
  • Health Insurance

3326 11th Street, Rockford, IL 61109
WebsiteLicense: 100288048

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

The Tim J Sreenan Insurance Agency helps clients in Rockford and other areas select the best insurance policy that matches their needs. It works with different carriers who use modern technology in helping clients file claims. It offers a wide range of life insurance options which include long-term care, second-to-die, mortgage protection, individual and group life, and key person. Such policies will protect the client's family by paying off debts and keeping the business up in case of death.

  • Life Insurance

6785 Weaver Road, Rockford, IL 61114

Expertise.com Rating

Review Sources

Google
4.8 (65)
Facebook
4.6 (12)

Why choose this provider?

King Insurance Agency is an independent agency that serves clients in Rockford. It offers two types of life insurance policies, including term and whole life insurance, provided by several insurance companies that include American Modern, Travelers, and Safeco Insurance. The agency also covers other insurance products and services for commercial properties, contractors, and restaurants. Founder Bill King started his insurance career in 1997. In a span of 17 years, the agency has served more than 1,000 customers.

  • Life Insurance

420 Financial Court, Rockford, IL 61107
WebsiteLicense: 100285331

Expertise.com Rating

Review Sources

Google
3.0 (3)
Facebook
5.0 (3)

Why choose this provider?

The Cuppini Group, Inc., is an independent insurance agency in Rockford. It specializes in several life insurance services, including mortgage protection plans, to help clients secure their loved ones from the financial burden of home loan payments. It also offers various health insurance products for individuals and groups who want to prepare for their future medical needs and expenses. The Cuppini Group, Inc., represents Ameritas, United Healthcare, Humana, and Blue Cross and Blue Shield of Illinois.

  • Life Insurance
  • Health Insurance

5301 East State Street, Rockford, IL 61108
WebsiteLicense: 2142168

Expertise.com Rating

Review Sources

Google
4.0 (25)
Facebook
4.0 (10)

Why choose this provider?

Harkness Insurance has been providing insurance solutions in the Rockford metro since 2000. It helps clients acquire life insurance plans that include universal, whole, and term coverages. These life insurance policies can cover policyholders' medical bills, funeral expenses, and estate taxes. In addition, the company offers other personal and business plans, such as homeowners', umbrella, auto, professional liability, and workers' compensation insurance. Owner Chuck Harkness has been in the insurance industry since 1986.

  • Life Insurance

803 South Wells Street, Lake Geneva, WI 53147
WebsiteLicense: 100192174

Expertise.com Rating

Review Sources

Facebook
4.0 (15)

Why choose this provider?

Spiegelhoff & Associates Insurance Agency serves the residents of Rockford and the surrounding communities. The company offers life insurance, group health insurance, and short-term health insurance plans. Additionally, it offers other personal and commercial products such as automobile, homeowners', rental property, and general liability insurance. Clients can also take advantage of its umbrella insurance policies, which help provide extra coverage beyond traditional insurance limits. It was founded in 1981 and is licensed to operate in three states: Wisconsin, Illinois, and Iowa.

  • Life Insurance
  • Health Insurance

512 East Walworth Avenue, Delavan, WI 53115

Expertise.com Rating

Review Sources

Google
5.0 (27)

Why choose this provider?

Johannesen Farrar Insurance is an independent insurance agency that has been catering to the needs of residents in Rockford and the surrounding areas since 1931. It offers its clients various personal insurance products, including life, health, homeowners', condominium, auto, and boat insurance. It also specializes in a wide variety of business insurance plans, such as commercial property, general liability, boiler, product liability, business interruption, and special event insurance. Johannesen Farrar Insurance represents multiple insurance carriers, such as Progressive, Nationwide, Viking insurance, and Humana.

  • Life Insurance
  • Health Insurance

1107 North Blackhawk Boulevard, Rockton, IL 61072

Expertise.com Rating

Review Sources

Google
4.0 (26)
Facebook
5.0 (11)

Why choose this provider?

Garry J. Bach Agency is an independent insurance agency that provides personalized services to the Rockford metro. It has offered clients with life insurance, vehicle insurance, home insurance, and business insurance since 2002. The company was awarded Agency of the Year in 2010 by Erie Insurance Giving Network. Its founder Gary J. Bach also received a Lifetime Achievement Award from RCC in 2015. With over 50 years of combined experience, Bach's team is able to provide insurance services to its clients through multiple carrier companies.

  • Life Insurance

6785 Weaver Road, Rockford, IL 61114

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Dean Hill Agency is a full-service independent company that has been operating in Rockford since 1983. It offers a wide range of life insurance products, including final expense, fixed annuities, individual and group, and mortgage protection. Its team of professionals also handles different types of insurance in the personal and business lines, including auto, flood, high net worth, general liability, and surety bonds. The agency partners with multiple insurance carriers, such as SPRISKA, Protective Insurance, and Brighthouse Financial.

  • Life Insurance

3600 E. State St, Rockford, IL 61108
WebsiteLicense: 2141510

Expertise.com Rating

Review Sources

Google
4.5 (8)

Why choose this provider?

The Insurance Lady & Associates offers life insurance to the locals of Rockford and the surrounding areas. The plans include term life, whole life, universal life, final expense, and guarantee issue life insurance. The agency also provides other insurance lines such as health, short-term, retirement plans, and medical insurance for dental, vision, and hearing. The Insurance Lady & Associates has over 35 years of industry experience. Sue Gabel, a Certified Senior Advisor, operates the agency. She is licensed to practice in Wisconsin and Colorado.

  • Life Insurance

810 North Alpine Road, Rockford, IL 61107
WebsiteLicense: 3536249

Expertise.com Rating

Review Sources

Google
4.0 (7)
Yelp
3.0 (2)
Facebook
5.0 (1)

Why choose this provider?

CoyleKiley Insurance Agency, Inc., consists of advisors and consultants who deliver tailored services. This locally owned independent agency has been operating in Rockford for over six decades. It assists clients in protecting their assets through life, hybrid life, and long-term care insurance. In addition, it has employee benefits programs that include group ancillary and worksite insurance options, such as basic life, disability, accident, and critical illness policies. This program also covers group health insurance, pre-tax solutions, and voluntary benefits.

  • Life Insurance

2211 Cranston Road, Beloit, WI 53511
WebsiteLicense: 100306318

Expertise.com Rating

Review Sources

Google
3.0 (7)
Facebook
5.0 (3)

Why choose this provider?

Alongi Santas Moss Insurance Agency is a licensed insurance advisor that serves clients in Rockford. It offers several types of life insurance policies, including whole life, term life, universal life. The insurance agency also offers several insurance products that include car insurance, renters' insurance, and workers' compensation insurance. It has partnered with several insurance carriers, including Burns & Wilcox and Hagerty, to provide a wide range of insurance coverage. It has been serving individuals, families, and businesses for more than 50 years.

  • Long Term Care
  • Whole Life Insurance
  • Life Insurance

513 Phelps Avenue, Rockford, IL 61108
WebsiteLicense: 100752075

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (8)

Why choose this provider?

Sutkay Insurance Group is an independent company that delivers insurance products and services to individuals and businesses in Rockford and the surrounding areas. It offers life insurance plans that may include term life and whole life coverage that provides financial protection for policyholders and their families. The company also helps clients obtain other personal and business plans, including home, auto, motorcycle, disability, and workers' compensation insurance. Sutkay Insurance Group has been in the business since 2016.

  • Life Insurance

3923 East State Street, Rockford, IL 61108
WebsiteLicense: 100293233

Expertise.com Rating

Review Sources

Google
4.8 (31)
Facebook
4.8 (15)

Why choose this provider?

Broadmoor Agency, Inc., is a full-service insurance agency serving clients in Rockford and the surrounding areas. The company offers life and health insurance to employees, along with other insurance policies such as dental, vision, accident insurance, disability insurance, long-term healthcare, IRAs, and 40K. It also provides other personal and commercial insurance, such as property, vehicle, and workers' compensation insurance. Broadmoor Agency has been in the business since 1951, serving clients in Northern Illinois and Southern Wisconsin. It specializes in manufacturing, construction, and service-related insurance.

  • Life Insurance
  • Health Insurance

4121 Newburg Road, Rockford, IL 61108
WebsiteLicense: 100301029

Expertise.com Rating

Review Sources

Google
4.0 (27)
Facebook
5.0 (10)

Why choose this provider?

Affordable Insurance & Tax Service Inc. is an insurance agency based in Rockford. The company has been in business for more than 30 years, serving Illinois and other states including Arizona and Florida. It offers life insurance plans that aim to give financial security to the policyholders and their families. The firm sources these insurance products from multiple carriers to provide customers suitable options to choose from. Some of these companies include Assurity, Ameritas, and Farmers Insurance.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Kris Wilcoxen
7445 Newburg Road, Rockford, IL 61108
Ally Insurance Agency
4010 East State Street, Rockford, IL 61108
Markus Smith
5535 North 2nd Street, Loves Park, IL 61111
The Tim J Sreenan Insurance Agency
3326 11th Street, Rockford, IL 61109
King Insurance Agency
6785 Weaver Road, Rockford, IL 61114
The Cuppini Group, Inc.
420 Financial Court, Rockford, IL 61107
Harkness Insurance
5301 East State Street, Rockford, IL 61108
Spiegelhoff & Associates Insurance Agency
803 South Wells Street, Lake Geneva, WI 53147
Johannesen Farrar Insurance
512 East Walworth Avenue, Delavan, WI 53115
Gary J. Bach Agency
1107 North Blackhawk Boulevard, Rockton, IL 61072
Dean Hill Agency
6785 Weaver Road, Rockford, IL 61114
The Insurance Lady & Associates
3600 E. State St, Rockford, IL 61108
CoyleKiley Insurance Agency, Inc.
810 North Alpine Road, Rockford, IL 61107
Alongi Santas Moss Insurance Agency
2211 Cranston Road, Beloit, WI 53511
Sutkay Insurance Group
513 Phelps Avenue, Rockford, IL 61108
Broadmoor Agency Inc.
3923 East State Street, Rockford, IL 61108
Affordable Insurance & Tax Service Inc.
4121 Newburg Road, Rockford, IL 61108

FAQs

  • What factors influence the cost of life insurance for Rockford residents, and how can one determine the right amount?

    The costs of life insurance in Rockford hinge on one's age, health, height, weight, and smoking habits. Determining the ideal coverage involves considering dependents' ages and numbers. Many agents suggest that the rule of thumb to calculate a suitable life insurance coverage amount is multiplying one's annual income by 7 to 10 times.

  • Can a Rockford resident choose anyone as their life insurance policy beneficiary?

    Rockford residents need to ensure that their chosen life insurance beneficiary has an insurable interest in the policyholder's life at the policy's outset, meaning they'd experience a financial setback when the policyholder passes away. Close kin like spouses, kids, or siblings inherently have this interest, but distant relations or unrelated beneficiaries might raise concerns for insurers.

  • Do Rockford residents always need a physical exam to secure life insurance?

    For those in Rockford, a physical exam is not always required to secure life insurance, but plans with substantial death benefits often do. Such exams, typically administered at one's residence by qualified medical personnel, involve measurements like height, weight, blood and urine tests, and sometimes an EKG. Applicants should be ready to discuss their medical background.

  • Is the double indemnity feature automatically included in Rockford residents' life insurance policies?

    For Rockford citizens, double indemnity, or accidental death benefit, isn't inherently a part of all life insurance schemes. This feature often mirrors the policy's original death benefit. For instance, with a $10,000 policy, the extra accidental death payout would be $20,000. Typically, this benefit demands a separate application, addition via a rider, and comes at an extra cost.

  • Can Rockford residents borrow against their life insurance?

    In Rockford, only those with permanent life insurance can borrow against their policy's accumulated cash value. If the loan isn't fully repaid with interest, the death benefit is reduced by the outstanding amount. Conversely, term life policies, often dubbed "Death Benefit Only" plans, don't permit loans since they lack a cash value component. This distinguishes term from permanent insurance significantly.

  • 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.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...