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2024

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Best Life Insurance Companies in Rio Rancho, NM

Our Recommended Top 13

We did the research for you!

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

3888Reviewed

2338Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

6101 Moon Street Northeast, Albuquerque, NM 87111

Expertise.com Rating

Review Sources

Google
4.0 (83)
Facebook
5.0 (3)

Why choose this provider?

Paul Gallegos is an insurance agent who serves clients in Rio Rancho and surrounding communities. He works closely with his clients, identifying their needs and working with them to customize plans that aim to protect them against any losses. The products he offers include life insurance, health insurance, home insurance, and car insurance. Business insurance is also available for commercial clients. Paul is a second-generation State Farm agent. He enjoys being part of the community and loves to sponsor local events.

  • Life Insurance
  • Health Insurance

1453 Rio Rancho Boulevard Southeast, Rio Rancho, NM 87124
WebsiteLicense: 1800010083

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Yelp
5.0 (3)
Google
5.0 (2)

Why choose this provider?

Ayers Insurance is a locally owned and locally operated agency that offers life insurance products to clients in Rio Rancho. Owners Nicole and Craig Ayers strive to guide clients through various insurance options from represented carriers such as Great American, TransAmerica, and Voya Financial to find them coverage that meets their needs. They work with clients in choosing appropriate coverage by evaluating their family's needs, considering future financial obligations, and noting all available resources. Ayers Insurance also offers health insurance including Medicare plans.

  • Life Insurance
  • Health Insurance

4101 Barbara Loop Southeast, Rio Rancho, NM 87124

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Innovative Investment Professionals is an independent financial organization located in Rio Rancho. The company helps educate its clients in preparing for insurance, retirement, estate preservation, or college savings. With years of experience in financial services, it can offer personal, liability, and life insurance strategies to clients. The business can also help clients understand insurance coverages and deductibles. Innovative Investment Professionals continues to help clients in investing principles and strategies, retirement plans, risk management analysis, and estate conservation issues.

  • Life Insurance

7400 Montgomery Boulevard Northeast, Albuquerque, NM 87109
WebsiteLicense: 19157468

Expertise.com Rating

Review Sources

Google
4.0 (14)
Facebook
5.0 (3)

Why choose this provider?

Rudy Herrera is a State Farm insurance agent that serves the needs of clients in Rio Rancho and the surrounding areas. Herrera specializes in life insurance, health insurance, homeowners insurance, and auto insurance. He offers various types of life insurance products, including term life insurance, whole life insurance, and universal life insurance. Herrera is a military veteran who served in the U.S. Air Force and is a member of the Hispano Chamber of Commerce. He has been a resident of New Mexico for more than 25 years and can speak Spanish fluently.

  • Life Insurance

2800 San Mateo Boulevard Northeast, Albuquerque, NM 87110
WebsiteLicense: 9163135

Expertise.com Rating

Why choose this provider?

Robert Pratt is a State Farm insurance agent that offers a variety of insurance products in Rio Rancho. He specializes in life insurance products encompassing term and whole life insurance that builds tax-deferred cash value. He also offers universal life insurance that grows tax-deferred cash value. The universal life insurance product also has flexible premium payments with death benefits to protect the clients' loved ones. Additionally, Robert offers insurance products for auto, homes, properties, health, and businesses.

  • Life Insurance
  • Health Insurance

6101 Moon Street Northeast, Albuquerque, NM 87111

Expertise.com Rating

Why choose this provider?

Mark J. Napolin & Associates, Inc., is a team of professionals working with individuals and businesses in Rio Rancho since 1974. Its team is offering a variety of options for investments, insurance products, and financial services that are tailored according to clients' needs. The professionals also help with existing coverages such as life, long-term care, and disability income as well as recommendations for obtaining another coverage. Mark J. Napolin & Associates also specializes in wealth management such as asset allocation and preservation.

  • Life Insurance

1350 Jackie Road Southeast, Rio Rancho, NM 87124

Expertise.com Rating

Review Sources

Google
4.0 (39)
Facebook
5.0 (2)

Why choose this provider?

Fidelis Consultants is an insurance agency that provides insurance services to residents and businesses in the Rio Rancho area and the surrounding communities. It is an independent company that serves life insurance and annuities through different carriers like North American, United Life Insurance, Fidelity and Guaranty Life, Lincoln Financial Group, and Assurity Life Insurance. Additionally, it provides insurance packages like Medicare Advantage and Medicare supplements. Adam Brisolara and Zachary Markham, the agency’s owners, founded the firm in Arizona in 2012.

  • Life Insurance

6565 Americas Parkway, Albuquerque, NM 87110
WebsiteLicense: 6386

Expertise.com Rating

Why choose this provider?

Eagle Strategies, LLC, is a wholly owned subsidiary of New York Life Insurance Company, delivering personalized insurance packages for individuals and families in Rio Rancho, Albuquerque, and nearby areas. Its insurance agents guide clients in securing their financial future by offering a wide range of insurance products. They provide life insurance solutions that give protection to the policyholders and their family members in the event of death or disability. The company's additional insurance products are for long-term care, retirement income, and investment.

  • Life Insurance

240 South Camino Del Pueblo, Bernalillo, NM 87004
WebsiteLicense: 10927982

Expertise.com Rating

Review Sources

Google
4.0 (3)

Why choose this provider?

Metroeast Insurance Group, an independent insurance agency, aims to provide a secured future for individuals and families in Rio Rancho and the surrounding areas. The agency provides insurance plans covering lives, automobiles, condos, homes, motorcycles, and disabilities. It also offers insurance bonds, business owners' policies, and umbrella coverage for its commercial clients. Mike Stroup is the owner of Metroeast Insurance Group. He served as an Allstate Captive agent for 10 years.

  • Life Insurance

4100 Southern Boulevard Southeast, Rio Rancho, NM 87124
WebsiteLicense: 1800004920

Expertise.com Rating

Review Sources

Google
4.0 (47)
Facebook
5.0 (11)
Yelp
2.0 (4)

Why choose this provider?

The Berger Agency is an insurance provider in Rio Rancho. It offers term, whole, and universal life insurance options, as well as individual and group accident coverage. The company also deals with protection for personal properties, such as real estate, automobiles, boats, motorcycles, and recreational vehicles. Business and commercial auto insurance products are available as well. Moreover, The Berger Agency has a program to give back to the community and provide support to people who are currently facing a difficult time.

  • Life Insurance

4425 Juan Tabo Boulevard Northeast, Albuquerque, NM 87111

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Kevin A. Brown, CLU ChFC is a financial advisor who helps clients in Rio Rancho and other areas create financial plans to protect their income-earning ability, asset investment for college education and retirement, and long-lasting income in case of retirement. Kevin is under a firm that focuses on You're On Your Own economy members. The firm's services center on the management and protection of assets, and leaving a legacy for loved ones in case of death.

  • Life Insurance

2155 Louisiana Boulevard Northeast, Albuquerque, NM 87110
Website

Expertise.com Rating

Why choose this provider?

Champion Agency, Inc., is a life insurance company serving clients in Rio Rancho and surrounding communities. The professionals in the company aim to help clients protect their valuable assets and manage their everyday life risks. They provide various life insurance coverage, such as term, guaranteed universal, and index universal life. Champion Agency also offers coverage for long-term care and individual disability insurance, in addition to annuities. Furthermore, it represents various carriers, including Prudential, Nationwide, Banner Life, and John Hancock.

  • Life Insurance

6565 Americas Parkway, Albuquerque, NM 87110
WebsiteLicense: 17919423

Expertise.com Rating

Review Sources

Facebook
4.0 (28)
Google
5.0 (1)

Why choose this provider?

New York Life is an insurance company that serves clients in the Rio Rancho area. It offers comprehensive life insurance policies, which people can choose from in order to provide their families with financial security. Its agents can help supplement their retirement income, pay for long-term care, and develop investment strategies through its customized plans. New York Life has been serving since 1845, assisting policyholders in achieving their financial goals. One of its managers, Candice Bahnson, has been working in the industry since 2008.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Paul Gallegos
6101 Moon Street Northeast, Albuquerque, NM 87111
Ayers Insurance
1453 Rio Rancho Boulevard Southeast, Rio Rancho, NM 87124
Innovative Investment Professionals
4101 Barbara Loop Southeast, Rio Rancho, NM 87124
Rudy Herrera
7400 Montgomery Boulevard Northeast, Albuquerque, NM 87109
Robert Pratt
2800 San Mateo Boulevard Northeast, Albuquerque, NM 87110
Mark J. Napolin & Associates, Inc.
6101 Moon Street Northeast, Albuquerque, NM 87111
Fidelis Consultants
1350 Jackie Road Southeast, Rio Rancho, NM 87124
Eagle Strategies LLC
6565 Americas Parkway, Albuquerque, NM 87110
Metroeast Insurance Group
240 South Camino Del Pueblo, Bernalillo, NM 87004
The Berger Agency
4100 Southern Boulevard Southeast, Rio Rancho, NM 87124
Kevin A. Brown, CLU ChFC
4425 Juan Tabo Boulevard Northeast, Albuquerque, NM 87111
Champion Agency, Inc.
2155 Louisiana Boulevard Northeast, Albuquerque, NM 87110
New York Life
6565 Americas Parkway, Albuquerque, NM 87110

FAQs

  • How does universal life insurance provide long-term financial security for Rio Rancho residents and their families?

    Universal life insurance offers the flexibility to set coverage amounts as low as $30,000. This allows Rio Rancho policyholders to increase or reduce tax-free death benefits for their beneficiaries. Additionally, these policies include a cash value component that grows over time, providing the option for the insured to access funds through loans or withdrawals.

  • Can Rio Rancho residents purchase multiple life insurance policies?

    Rio Rancho residents are allowed to hold multiple life insurance policies simultaneously, but insurers refrain from providing coverage for individuals with two whole life insurance policies. Fortunately, individuals can maintain their whole and term life insurance policies concurrently. It is common for individuals to have multiple life insurance policies to meet different financial needs or goals.

  • What are the life insurance options available to Rio Rancho residents?

    Residents of Rio Rancho can choose from a variety of life insurance options, including term, whole, and universal life insurance. Young and healthy families prefer term life insurance. On the other hand, whole life insurance is a permanent life insurance option with investment-like features such as a savings component and cash value. This policy provides flexibility in premium payments, and policyholders can potentially increase their death benefits by contributing more than the required premium.

  • How can indexed universal life insurance policies help retirees in Rio Rancho?

    Indexed universal life insurance policies offer advantages to retirees in Rio Rancho who have fully contributed to their 401(k), IRA, or other retirement plans. These policies also benefit individuals seeking tax-free retirement options and prioritizing financial stability. Additionally, these policies hold value for retirees with adult children with special needs who wish to secure a source of income for their children.

  • Is there a standard guideline for the maximum life insurance coverage amount for residents of Rio Rancho?

    Establishing a life insurance threshold for Rio Rancho residents falls within the range of seven to 20 times their yearly earnings. However, this benchmark depends on various factors, such as the policyholders' objectives, their number of dependents, and the ongoing family expenses that will persist once they are no longer available to provide for their beneficiaries.

  • 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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