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2024

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Best Life Insurance Companies in Buffalo, NY

Our Recommended Top 14

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Buffalo 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.

12011Reviewed

7212Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2631 Main Street, Buffalo, NY 14214

Expertise.com Rating

Review Sources

Google
4.0 (9)
Yelp
1.0 (1)

Why choose this provider?

Tamaris Lott is an independent insurance agent based in Buffalo. Affiliated with State Farm Insurance for 19 years, her insurance products include auto, home property, business, life, and health insurance. She also helps her clients secure pet insurance, which is underwritten by the American Pet Insurance Company. Tamaris began as a State Farm agent team member before deciding to become an independent contractor in 2001. Her other services include banking and annuities assistance.

6724 Main St, Williamsville, NY 14221

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Stahlka Agency has provided a variety of individual and group insurance solutions for more than 50 years. The independent agency partners with the top insurance providers to deliver comprehensive group health and life coverage as well as life insurance plans as part of its financial planning strategies for individuals. Stahlka Agency works within a diverse range of industries and represents businesses of varying sizes. It provides an extensive collection of health insurance supplements, such as dental, vision, and disability.

2476 William Street, Buffalo, NY 14206
WebsiteLicense: 629742

Expertise.com Rating

Review Sources

Google
4.3 (14)

Why choose this provider?

Lelonek Agency is an independent agency that assists individuals, businesses, and families in Buffalo and the surrounding areas with insurance products that fit their needs. Founded in 1946, the agency has access to a wide network of insurance carriers. It informs clients of their life insurance options and finds policies that benefit their dependents in crucial ways, such as replacing the provider's lost income or paying for future educational expenses. Furthermore, clients may request an insurance quote through the agency's website.

  • Life Insurance

3620 Harlem Rd, Cheektowaga, NY 14215

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Founded in 1988, Wlos Insurance delivers a wide range of individual and business insurance solutions. The independent health insurance company near Buffalo utilizes its partnerships with a variety of carriers to offer diverse coverage and rate options for its clients. Its health insurance plans encompass individual and family coverage in addition to supplemental plans, such as dental, vision, disability, and long-term care. Wlos Insurance also offers extensive life insurance coverage.

3200 Niagara Falls Blvd, North Tonawanda, NY 14120

Expertise.com Rating

Review Sources

Google
4.4 (8)

Why choose this provider?

E. J. Grabau Agency Inc. is an independent insurance agency that's provided its clients with solutions since 1951. The company partners with a network of insurance carriers to help its clients maximize their options. The E. J. Grabau Agency assesses the individual's financial situation and goals to determine which type of policy is the most effective. It offers term, whole, and universal plans to accommodate a range of objectives and budgets.

6500 Sheridan Dr Ste 200, Williamsville, NY 14221

Expertise.com Rating

Why choose this provider?

WNY Asset Management offers its clients financial planning tools to help them achieve their goals. The company's team encourages its clients to include life insurance coverage as part of its risk management strategy. The independent insurance brokerage works with a select group of providers in order to offer individuals a variety of options, such as term, whole, and universal life insurance. WNY Asset Management also offers college, retirement, and estate planning as well as investment management and education funding services.

1335 Hertel Avenue, Buffalo, NY 14216

Expertise.com Rating

Review Sources

Google
4.1 (123)
Yelp
5.0 (1)

Why choose this provider?

Dan Hawrylczak is a State Farm insurance agent who strives to deliver his services with a professional, strong, and personal touch to every client in Buffalo and the surrounding areas. He offers a wide range of products, including life, health, property, auto, business, and pet insurance plans. He was a board member of the SUNY Buffalo Center for Entrepreneurial Leadership in 1991 and has been an insurance board chair for the last three decades.

300 International Dr Ste 100, Buffalo, NY 14221

Why choose this provider?

InCareLife is an independent agency specializing in life insurance and Medicare. The life insurance company in Buffalo focuses on its clients' needs. It represents a variety of high-level carriers to deliver the quality and diversity of options its insured require. With an extensive selection of term, whole, universal, and final expense plans, the company consults with individuals to determine which best meets their needs. They evaluate current financial circumstances as well as goals to deliver the most effective solutions.

801 Main Street, Buffalo, NY 14203

Expertise.com Rating

Review Sources

Google
4.0 (24)
Facebook
5.0 (10)
Yelp
4.0 (1)

Why choose this provider?

Walsh Duffield - Buffalo is a fifth-generation family-owned company that offers tailored insurance to its clients and has over 160 years of background in the industry. The agency serves comprehensive solutions for its clients by listening, evaluating, and guiding them throughout the process. It works with numerous personal insurance and business insurance carriers in the country. Walsh Duffield is among the recipients of the Best Practices recognition from the Independent Insurance Agents and Brokers of America (IIABA).

1274 Bailey Ave, Buffalo, NY 14206-1302
WebsiteLicense: 1315635

Expertise.com Rating

Review Sources

Google
4.0 (8)

Why choose this provider?

Centinello Insurance Agency is a Buffalo-based company owned and operated by Frank Centinello Jr. Founded in 1955, the agency offers a wide range of insurance products, including life, auto, home, and commercial insurance policies. It has partnered with various carriers that allow them to connect clients with multiple suitable insurance options to compare and choose from. The firm also has bilingual staff who can deliver services to English-speaking and Spanish-speaking clients.

  • Life Insurance

4043 Maple Rd Ste 209, Amherst, NY 14226

Expertise.com Rating

Why choose this provider?

Di Giacomo Financial has offered its individual and business clients financial advice since 1991. One aspect of the company's risk management strategy is investing in life insurance. The independent agency works with a network of providers to deliver the policies and coverages that best meet its clients' needs. Di Giacomo Financial accommodates a selection of term, whole, and universal life insurance plans that help clients achieve their goals of protecting their families and assets.

826 Tonawanda Street, Buffalo, NY 14207
WebsiteLicense: 607913

Expertise.com Rating

Review Sources

Google
4.0 (7)

Why choose this provider?

Dennis Evchich Agency, Inc., provides insurance products for individuals and businesses in Buffalo. The company has been providing clients with home, renters', and business insurance for over 30 years. Coverage options for recreational vehicles such as golf carts, RVs, ATVs, and boats are also available. For personal protection, the company offers long-term care, disability, and life insurance products. As an independent agency, the company can help clients find the insurance product that caters to their needs.

  • Life Insurance

735 Delaware Avenue, Buffalo, NY 14209

Expertise.com Rating

Review Sources

Google
5.0 (27)
Facebook
5.0 (2)

Why choose this provider?

Clauss & Company Insurance Agency provides a wide range of insurance products to Buffalo residents. It offers insurance for homeowners, condominiums, and renters. It also has a line of car insurance that covers physical damage due to collision, as well as losses from fire, vandalism, and theft. Additionally, the agency specializes in business liability and professional liability insurance. It has been serving the community for more than 100 years and some of its insurance carriers include The Hartford, Adirondack Insurance Exchange, Progressive, and Kemper.

8810 Main Street, Williamsville, NY 14221
WebsiteLicense: 629752

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (1)

Why choose this provider?

The Northwoods Corporation works with individuals and business owners to address their personal and commercial insurance needs. Established in the mid-1990s, this independent insurance agency represents a group of life insurance providers with national and regional reach. Its other areas of specialization include management and perpetuation for startup companies and owners looking to grow their business and operations. The Northwoods Corporation operates in Buffalo and has 12 other offices throughout New York.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Tamaris Lott
2631 Main Street, Buffalo, NY 14214
Stahlka Agency
6724 Main St, Williamsville, NY 14221
Lelonek Agency
2476 William Street, Buffalo, NY 14206
Wlos Insurance
3620 Harlem Rd, Cheektowaga, NY 14215
E. J. Grabau Agency, Inc.
3200 Niagara Falls Blvd, North Tonawanda, NY 14120
WNY Asset Management
6500 Sheridan Dr Ste 200, Williamsville, NY 14221
Dan Hawrylczak
1335 Hertel Avenue, Buffalo, NY 14216
InCareLife
300 International Dr Ste 100, Buffalo, NY 14221
Walsh Duffield - Buffalo
801 Main Street, Buffalo, NY 14203
Centinello Insurance
1274 Bailey Ave, Buffalo, NY 14206-1302
Di Giacomo Financial
4043 Maple Rd Ste 209, Amherst, NY 14226
Dennis Evchich Agency, Inc.
826 Tonawanda Street, Buffalo, NY 14207
Clauss & Company Insurance Agency
735 Delaware Avenue, Buffalo, NY 14209
The Northwoods Corporation
8810 Main Street, Williamsville, NY 14221

FAQs

  • What is term life insurance in Buffalo, and what happens if you live longer than the term of the policy?

    Term insurance in Buffalo provides protection for a set period of time. If the insured dies while the policy is still in effect, the policy will pay a death benefit. Nonetheless, if you live longer than the policy's term, you will still be covered, but your yearly premiums will rise. If your needs have changed, switching to permanent coverage may be your best option.

  • What is the ideal age to purchase term life insurance in Buffalo?

    Residents of Buffalo may consider purchasing term life insurance when they are in their 20s to get the best rates and coverage. At this age, you have a lower risk profile, which means that insurers may be willing to offer you lower premiums. If you delay until age 60, you may be subject to a higher rate increase and fewer policy options.

  • What variables determine the price of life insurance in Buffalo?

    The age of an individual is the primary determinant of life insurance premiums in the city of Buffalo. As individuals age and their vulnerability to diseases heightens, there is a corresponding escalation in insurance premiums. Your gender is another consideration; women pay lower rates than men due to their longer average lifespans. Your job, family history, and physical condition also have an impact on life insurance premiums.

  • What is the duration of the contestability term for life insurance policies in Buffalo?

    In Buffalo, the insurer has two years after the policy is issued to question its validity if the applicant provided inaccurate or insufficient information. Beneficiaries are protected because the insurance company is required to uncover misleading or incorrect information. Even after the contestable period has expired, it is the firm's responsibility to pay the policy proceeds to the insured's beneficiary.

  • How does whole life insurance work in Buffalo, and does it pay dividends?

    In Buffalo, whole life insurance is classified as permanent life insurance and provides coverage for the insured's entire life, assuming timely premium payments. The cash value of a whole-life policy is significant because it is eligible for dividends, which is a common feature of most whole-life insurance plans. The dividend, however, is not guaranteed and can be used to reduce premiums or fund the purchase of additional insurance that provides the policyholder with additional protection and cash value.

  • 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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