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Best Life Insurance Companies in Amherst, NY

Our Recommended Top 5

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 Amherst 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.

5545Reviewed

3329Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4504 Main Street, Amherst, NY 14226
WebsiteLicense: 1076744

Expertise.com Rating

Review Sources

Google
4.0 (39)
Facebook
4.0 (3)

Why choose this provider?

Scott Krevat is an insurance agent at State Farm. He has been serving clients in Amherst and its surrounding communities for more than 10 years. He offers homeowner, life, renters, and auto insurance. He meets customers at the comfort of their homes or virtually with The Good Neighbor Connect platform. He also provides business owners with financial services, as well as coverage for their commercial insurance policies. Additionally, Scott volunteers at The Buffalo City Mission and Friends of Night People.

  • Life Insurance

300 International Drive, Williamsville, NY 14221
WebsiteLicense: 1425538

Expertise.com Rating

Review Sources

Google
5.0 (48)

Why choose this provider?

Bison Insurance, LLC, is a locally owned and operated agency offering life coverage options to communities in Amherst. Founded in 2013, it offers other personal lines of insurance such as homeowners, auto, boat, and motorcycle. It also provides industry-specific plans for contractors, professionals, and landlords, as well as resources on damage-specific coverage, including tenant vandalism, sewer line damage, and equipment and appliance breakdown. An independent agency, Bison Insurance partners with carriers such as Progressive, Ontario, American Modern, and Preferred Mutual.

  • Life Insurance

5475 Main Street, Williamsville, NY 14221
WebsiteLicense: 683766

Expertise.com Rating

Review Sources

Google
4.9 (51)
Facebook
4.6 (28)

Why choose this provider?

Moses Insurance has been providing services to the Amherst area since 1955. The company specializes in life insurance products, which cover debt payments, tuition fees, income, and mortgage expenses. The company was founded by Charles "Herky" Moses, who served as a US Marine, councilman, volunteer firefighter, and community youth mentor. The agency's current owners, Bob and Ken, are members of the Amherst Senior Citizens Foundation and the American Heart Association.

  • Life Insurance

2476 William Street, Buffalo, NY 14206

Expertise.com Rating

Review Sources

Google
4.3 (14)

Why choose this provider?

Lelonek Agency offers insurance policy assistance to Amherst and the surrounding areas. The family-run business was founded by Edward Leonek Sr. in 1946 and has grown into a company offering a full range of insurance services, including life and commercial insurance plans. It helps clients secure their family's financial security through life insurance plans that are tailored to fit their specific needs. Lelonek Agency also offers business, disability coverage, flood, homeowners, and health insurance.

  • Life Insurance

8330 Main Street, Williamsville, NY 14221
WebsiteLicense: 631294

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

Clarence Insurance is an independently owned and operated insurance business that offers a range of insurance options for clients residing in Amherst. With over 30 years in the industry, its team of insurance agents aims to create a custom-tailored insurance plan that fits the clients' financial objectives. They have life insurance policies that can replace income if the policyholder passes away. Other products are home, auto, renter's, business interruption, and workers' compensation insurance. Clarence Insurance has been in the insurance industry for over 35 years.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Scott Krevat
4504 Main Street, Amherst, NY 14226
Bison Insurance
300 International Drive, Williamsville, NY 14221
Moses Insurance
5475 Main Street, Williamsville, NY 14221
Lelonek Agency
2476 William Street, Buffalo, NY 14206
Clarence Insurance
8330 Main Street, Williamsville, NY 14221

FAQs

  • Do health conditions prevent companies from approving life insurance applications in Amherst?

    Health is one of the factors insurance companies look into when qualifying someone in Amherst for life insurance. At times, health conditions may deter someone from seeking life insurance coverage options. However, insurance companies may still grant coverage to people with health conditions, given that they are working with a medical professional to manage their condition well.

  • Can your life insurance in Amherst pay for your student loans?

    A life insurance policy in Amherst can help reduce or pay the entire student loan debt in the event the student or graduate dies before their student loan is paid off. It can also financially protect cosigners, such as the student's parents. If the student has a term life insurance policy, the death benefit can be used to pay off the student loan when the borrower passes away.

  • Do you need to undergo a medical exam to get life insurance in Amherst?

    Most life insurance companies in Amherst require applicants to undergo a medical exam before qualifying them to be insured. However, there are also some life insurance coverage options that do not require medical exams. Some of the life insurance policies with no medical exams required include simplified issue life insurance, guaranteed issue life insurance, and employer-paid group life insurance.

  • Does having dangerous hobbies affect life insurance in Amherst?

    Life insurance premiums in Amherst vary depending on the perception of risk an underwriter perceives. One of the factors underwriters consider is one's hobbies. If an individual is regularly involved in dangerous activities, they are referred to as high-risk. Underwriters may either qualify the person for life insurance with substantially higher premiums or totally reject the application. Your premium will not be affected if your participation in dangerous activities is all in the past or if you decide to engage in a risky hobby a year after you sign up for life insurance.

  • Can you name others as beneficiaries of your life insurance policy in Amherst other than your spouse or child?

    Yes, technically, anyone can be named as a beneficiary in your life insurance policy in Amherst. Friends are subject to spousal permission. People with whom the policy owner has a financial relationship, like a cosigner for a mortgage or business loan, can be designated as beneficiaries. A policy owner can also choose to leave behind proceeds to a charity, trust, or estate.

  • 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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