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2024

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Best Life Insurance Companies in Nebraska

Our Recommended Top 12

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Nebraska 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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12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Nebraska
Website

Expertise.com Rating

Review Sources

Google
4.9 (9)

Why choose this provider?

Health and Life Insurance Pros is an independent agency that serves clients in Nebraska. It offers individual and family life insurance plans. The company also provides health, dental plans, affordable care acts, and Medicare insurance. Its agents have more than 20 years of combined experience in the field. They strive to match the ideal coverage plans to clients' specific needs through a variety of providers, including United Healthcare, Bright Health, Ethos, Medico, Aetna, and Ameritas.

  • Health Insurance
  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Forsyth Insurance Agency, Inc., is an independent company that serves individuals, families, and entrepreneurs in Nebraska. It offers a wide selection of insurance plans, like life, health, and auto. Its agents represent multiple carriers and assist clients in selecting the right policy that suits their needs and financial capacity. They also write insurance plans for properties, worker's compensation, antique vehicles, and car dealers. The agency's team members have over 260 years of combined insurance experience.

  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

The Melnik Insurance Agencies serves clients across Nebraska. It provides term, whole, and universal life insurance products for individuals aiming to prepare for unexpected financial issues. It also offers a survivorship universal life policy, a solution that insures two people. To help clients update their plans regularly in line with changes in their living conditions, the agency provides annual policy review services. It additionally works with businesses and sets up financial products like commercial auto insurance.

  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Google
4.3 (17)
Yelp
5.0 (1)

Why choose this provider?

Since 1945, Gretna Insurance Agency has been catering to the needs of individuals, families, and businesses in Nebraska. It provides various insurance plans based on the client's age, family history, and physical condition. It offers a variety of life insurance products, including term, universal, whole, and return of premium life insurance. Its policies also include mortgage protection and final expense coverage. One of its owners, Jeff Mann, served as president of the Nebraska Professional Insurance Agents Association in 2002.

  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

First Nebraska Insurance Agency caters to individuals and families in the metro and nearby areas. It offers life insurance policies that provide security for the bereaved family upon the policyholder's death. It also has products that prompt payments for terminal illness or retirement. Additionally, the agency assists with risk management options for auto, renters, and businesses. First Nebraska has been in the industry for more than 20 years and partners with 25 known insurance carriers.

  • Life Insurance

Nebraska

Expertise.com Rating

Why choose this provider?

All American Insurance provides a wide range of products to Nebraska residents. It handles individualized consultations to ensure it is safeguarding the most important things to its clients. The company manages life insurance, which disburses a quantity of money to clients to aid in going forward with their lives, either upon the insured person's death or after a certain period. It also includes other insurance plans, including commercial, health, homeowners, and vehicle coverage.

  • Health Insurance
  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Google
4.0 (1)

Why choose this provider?

Chad Larson Health helps clients in Nebraska obtain the protection they need in the event of unexpected circumstances. Its individual and family insurance programs provide a variety of coverage policies, including health, dental, vision, travel, and life insurance plans. It also provides a group health insurance policy for employers or small business owners who are looking to protect their employees. Chad Larson Health represents various carriers, such as Delta Dental, Spirit, UnitedHealthOne, Nebraska, and Pivot Health.

  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Google
5.0 (7)

Why choose this provider?

The Lisa Wilsey Agency provides risk management solutions to residents across the state of Nebraska. She caters to individuals and families from different walks of life, helping them acquire personal protection plans. The company processes life insurance to help clients prevent monetary losses in case of unforeseen events like death. Its owner, Lisa Wilsey, is also a licensed Medicare insurance agent who offers various health protection policies. She focuses on furnishing personalized Medicare Advantage and Supplement plans.

  • Health Insurance
  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Facebook
4.7 (16)

Why choose this provider?

Access Insurance caters to customers located in Nebraska. Through its partnership with carriers such as MetLife, The Hartford, and Safeco, it can offer term and permanent life insurance packages to individuals aiming to secure their family's future. Its line of personal and commercial risk management plans also includes home, health, auto, and general liability insurance policies. Access Insurance, led by owners Nick Bokowski and Josh Coates, has been in the industry for over a decade.

  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Google
4.8 (6)

Why choose this provider?

Northeast Nebraska Insurance is a locally owned agency that offers life insurance products. It aims to provide personalized services by understanding clients' situations and matching their needs with policies that can cover their dependents' expenses if they pass away or become disabled from an accident. In addition to life plans, auto, business, farm, home, health, and pet insurance products are offered. The company's mission is to help families achieve economic security by guiding them in financial planning.

  • Health Insurance
  • Life Insurance

Nebraska

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
4.7 (3)

Why choose this provider?

Reiser Insurance Group, LLC, has been working with Nebraska clients for over 45 years. It drafts life policies to help individuals manage costs like burial expenses in the event of death. It has experience setting up permanent cash value life policies, a way for clients to protect themselves from financial risks and obtain investments. The agency also coordinates with experts like attorneys as part of its efforts to build an individual's retirement plan. Its team has more than a century of combined industry experience.

  • Life Insurance

Nebraska

Expertise.com Rating

Why choose this provider?

Ameritas Financial Center is an independent agency that serves individuals, families, and businesses in Nebraska. It offers life insurance policies that may include trusts, wills, and beneficiary arrangements. For family protection, it provides health, disability income, long-term care, and Medicare Supplements plans. The agency also assists with estate planning, college planning, retirement income, wealth accumulation, and asset management. Ameritas Financial Center has been in service since 1912. Its current CEO, Corey Poulosky, has over 25 years of industry experience.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Health & Life Insurance Pros LLC
14225 Dayton Circle Suite 5, Nebraska, NE 68137
Forsyth Insurance Agency, Inc.
1265 S Cotner Blvd Ste 21, Nebraska, NE 68510
The Melnik Insurance Agencies
513 N D St, Nebraska, NE 68025
Gretna Insurance Agency
802 Village Square, Nebraska, NE 68028
First Nebraska Insurance Agency
13920 P St, Nebraska, NE 68137
All American Insurance
10410 S 144th St Suite #2A, Nebraska, NE 68136
Chad Larson Health
917 Wildwood Lane, Nebraska, NE 68410
The Lisa Wilsey Agency
10868 W Dodge Road, Nebraska, NE 68154
Access Insurance
916 Village Sq, Nebraska, NE 68028
Northeast Nebraska Insurance
111 W 3rd St, Nebraska, NE 68787
Reiser Insurance Group, LLC
217 S 4th St, Nebraska, NE 68763
Ameritas Financial Center
6355 S 56th St, Nebraska, NE 68516

FAQs

  • 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.

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