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2024

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Best Life Insurance Companies in Cheektowaga, NY

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Cheektowaga 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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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

33 Central Avenue, Lancaster, NY 14086
WebsiteLicense: 668312

Expertise.com Rating

Review Sources

Google
5.0 (20)
Facebook
5.0 (11)

Why choose this provider?

Robert E. Schaff Ltd. Insurance & Real Estate is a family-owned agency that has been servicing Cheektowaga for over a century. It offers a wide range of life insurance coverage options for individuals and businesses including term life, whole life, joint, survivorship, and annuities. Its team works with more than 90 insurance companies to present clients with tailored solutions. The agency also specializes in different insurance products under personal and business lines such as farm, dwelling fire, golf cart, and mobile homeowners'.

  • Life Insurance

1099 French Road, Cheektowaga, NY 14227
WebsiteLicense: 859628

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

The Bakos Agency, Inc. is a family-owned and family-operated independent insurance agency that has been serving the residents of Cheektowaga and the rest of western New York for almost a century. It offers a wide variety of life insurance products, including term life insurance, whole life insurance, variable life insurance, and universal life insurance. It also provides long-term care insurance and disability insurance. The Bakos Agency, Inc. is a Trusted Choice Agency and a member of Professional Insurance Agents.

  • Life Insurance

5001 Genesee Street, Cheektowaga, NY 14225
WebsiteLicense: 620038

Expertise.com Rating

Review Sources

Google
4.4 (11)

Why choose this provider?

Founded in 1951, Niagara National Inc. Insurance Group is an independent insurance agency in Cheektowaga offering individuals and businesses insurance coverage depending on their needs. The firm provides personal insurance, student insurance, business insurance, and employee benefits. Under its personal insurance line, it offers products such as life insurance, homeowners' insurance policies, umbrella liability, annuities, disability income. The company offers a wide range of insurance carriers including A Central, Hanover Insurance, Kemper, Liberty Mutual, and National General Insurance.

  • Life Insurance

3 Kelly Drive, Cheektowaga, NY 14227
WebsiteLicense: 673522

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

Cheektowaga Agency, Inc., is home to insurance professionals, each having 26 years of experience in the industry. Its team is equipped to help clients acquire life insurance policies. In addition, the agency offers other insurance types, such as renters', umbrella, and auto insurance plans. As an independent agency, it represents numerous insurance carriers with appropriate terms and conditions for their clients' individual situations. Established in 1955, Cheektowaga Agency is a member of the Independent Insurance Agents & Brokers of New York.

  • Life Insurance

529 French Road, Buffalo, NY 14227
WebsiteLicense: 1283589

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
5.0 (13)

Why choose this provider?

Encompass Agency is an insurance brokerage serving individuals and businesses in Cheektowaga. It offers a range of risk management services, including life insurance and coverage for homes, automobiles, and businesses. The brokerage utilizes Google Workspace for its document storage and meetings with clients and an artificial intelligence quoting software for its policy quotes. Encompass Agency CEO Taylor M. Haines previously worked for GEICO and State Farm. He became the sole stockholder of the agency following the retirement of its founder in 2021.

  • Life Insurance
  • Health Insurance

759 Dick Road, Buffalo, NY 14225
WebsiteLicense: 922741

Expertise.com Rating

Review Sources

Google
4.0 (39)
Facebook
4.0 (16)

Why choose this provider?

Mesi Agency, Inc. is a comprehensive insurance company that is located in Cheektowaga. It is an independent agency with over 30 years of experience, serving individual clients and groups with life insurance plans. The company can compare over 40 national and local careers, such as Progressive and New York Central. It can also process applications, claims, and updates to the existing policy for term-life and whole-life plans. The company's other services include auto insurance, homeowners insurance, and business insurance.

  • Life Insurance

4504 Main Street, Buffalo, NY 14226
WebsiteLicense: 1076744

Expertise.com Rating

Review Sources

Google
4.9 (43)
Facebook
4.3 (3)

Why choose this provider?

Scott Krevat is a State Farm insurance agent serving residents and businesses in Cheektowaga. He has been with the company since 2008, offering a range of risk management solutions, including annuities and health and life insurance. He also provides coverage for pets, homes, properties, automobiles, and businesses. Additionally, he helps clients with their banking needs. Scott is a Chartered Financial Consultant and holds Series 6 and 63 licenses. He is also a rocket mortgage professional.

  • Life Insurance

432 Dick Road, Depew, NY 14043
WebsiteLicense: 1090776

Expertise.com Rating

Review Sources

Google
4.0 (14)

Why choose this provider?

Hunt Insurance has been providing comprehensive insurance solutions since 1911. The agency caters to Cheektowaga residents. It offers life insurance, auto insurance, commercial insurance, homeowners insurance, umbrella insurance, and retirement plans. Its agents work with various insurance carriers and perform risk analyses to find the right insurance coverage that meets customers' personal and business needs. Clients have access to other services and products such as mortgages, real estate, and titles to save cash on their whole home purchase.

  • Life Insurance
  • Health Insurance

5475 Main Street, Williamsville, NY 14221
WebsiteLicense: 683766

Expertise.com Rating

Review Sources

Google
4.0 (32)
Facebook
5.0 (2)

Why choose this provider?

Moses Insurance is a Williamsville-based independent agency that extends its services to the Cheektowaga metro. It assists families and individuals in acquiring life insurance plans that may include term, whole, and universal life coverages. Additionally, it offers other personal plans such as home, flood, umbrella, motorcycle, and watercraft insurance. The company works with more than 20 insurance carriers in creating customized coverages. Moses Insurance is a family-owned business that has been in the industry since 1955.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

354 Cayuga Road, Buffalo, NY 14225
WebsiteLicense: 629581

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
5.0 (3)

Why choose this provider?

Cesar Group Insurance is a full-service insurance provider that serves individuals and businesses in Cheektowaga. Established in 1955 by Bernard A Cesar, Sr., it connects clients with life insurance policies that serve to protect their long-term financial interests. It educates clients on their life insurance options and find policies that benefit their dependents in crucial ways, such as replacing the provider's lost income or paying for future educational expenses. This firm manages traditional whole life, universal life, and variable universal life insurance policies.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Robert E. Schaff Ltd.
33 Central Avenue, Lancaster, NY 14086
The Bakos Agency, Inc.
1099 French Road, Cheektowaga, NY 14227
Niagara National Inc. Insurance Group
5001 Genesee Street, Cheektowaga, NY 14225
Cheektowaga Agency, Inc.
3 Kelly Drive, Cheektowaga, NY 14227
Encompass Agency
529 French Road, Buffalo, NY 14227
Mesi Agency, Inc.
759 Dick Road, Buffalo, NY 14225
Scott Krevat
4504 Main Street, Buffalo, NY 14226
Hunt Insurance
432 Dick Road, Depew, NY 14043
Moses Insurance
5475 Main Street, Williamsville, NY 14221
Cesar Group Insurance
354 Cayuga Road, Buffalo, NY 14225

Cheektowaga, NY Life Insurance FAQs

  • What are the limitations of employer-sponsored life insurance plans in Cheektowaga?

    The main problem with life insurance plans through work in Cheektowaga is that they can not be taken with you if you leave your job. Since these plans are usually tied to the employer, workers may lose their coverage if they leave the company. Also, they might not meet all of an employee's needs, especially if they have kids or want to save money. Some coverage gaps may need to be filled with add-ons.

  • Who benefits from universal life insurance policies in Cheektowaga?

    These policies help Cheektowaga residents who need to save money for college. Universal life insurance is an important part of estate planning. It can provide money to pay estate taxes, pay off debts, and leave a financial legacy for the insured's loved ones. It can also help you save more for retirement because it has a cash value component that grows tax-free over time.

  • Can the insured individual in Cheektowage cancel and change life insurance beneficiaries?

    No, because insured people do not have this legal right unless they are the policyholder. The person who bought the Cheektowaga policy is usually the person who is covered by it. On the other hand, the insured is the person or property that the insurance policy covers. They are the ones who get money or other benefits from the carrier when a covered loss or claim happens.

  • How can life insurance be an important financial planning tool for business owners in Cheektowaga?

    Life insurance policies include a buy-sell agreement that ensures business continuity and prevents forced liquidation. It usually includes provisions for the orderly transfer of ownership or the sale of a deceased owner's share of the business to the surviving owners. The legally binding agreement also reduces conflicts among the surviving Cheektowaga business owners.

  • What qualities Cheektowaga life insurance applicants must look for in insurance brokers?

    Life insurance applicants in Cheektowaga should choose brokers who have a thorough understanding of the various policies available to them. It is also critical to choose brokers with exceptional communication skills in order to discuss the complexities of insurance policies with potential policyholders. Choosing brokers who are familiar with Cheektowaga's unique insurance requirements is also recommended.

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