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2024

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Best Life Insurance Companies in Rochester, NY

Our Recommended Top 14

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 Rochester 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.

9175Reviewed

5510Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

400 White Spruce Blvd Ste C, Rochester, NY 14623

Expertise.com Rating

Review Sources

Google
4.0 (22)
Facebook
5.0 (4)

Why choose this provider?

Founded more than 25 years ago, Century Benefits Group Inc. is a health insurance company in Rochester that specializes in group and individual health insurance, including employee benefits programs that incorporate dental, vision, and 401(k) retirement plans. Its agents can design employer-paid and supplemental programs for businesses of all sizes, municipalities, and nonprofits. Century Benefits Group Inc. is a Registered Employee Benefits Consultancy and certified by the New York State Health Insurance Marketplace.

  • Medicare Supplement Insurance
  • Medicare Supplement
  • Medicare Insurance

191 S Union St, Spencerport, NY 14559

Expertise.com Rating

Review Sources

Google
5.0 (70)
Facebook
5.0 (29)
Yelp
5.0 (2)

Why choose this provider?

The Feltner Group is an independent broker serving the Rochester metro area that offers personal life insurance policies. It sells term, whole, and universal life insurance policies and assists clients with the entire process of shopping for quotes within their budgets that fulfil their most important coverage needs. The Feltner Group also offers many other types of personal and commercial insurance policies, and it's particularly experienced with umbrella policies for both categories of insurance.

1577 W Ridge Rd Ste 216, Rochester, NY 14615

Expertise.com Rating

Review Sources

Google
4.9 (161)
Facebook
5.0 (62)
Yelp
5.0 (2)

Why choose this provider?

Serving Rochester and all of New York, the Vanscoter Insurance Agency is an independent company representing multiple carriers and specializing in the products of Erie Insurance. The company's agents compare and sell individual life insurance policies and advise clients on the best policies for their needs. This could be mortgage protection for someone worried about losing their job and funeral expenses for a client who doesn't want their loved ones to pay.

3445 Winton Pl Ste 109, Rochester, NY 14623

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (7)

Why choose this provider?

The Schultz Group of NY started in 1979. The agency specializes in individual life insurance and Medicare plans. It's an independent agency that gets quotes from multiple insurance carriers, compares them, and provides clients with impartial advice so they can make effective decisions determined by choice, expert advice, and price. The agency can offer every form of term life and whole life insurance, and provide additional Medicare support through Medigap and Medicare advantage plans.

3 Kelly Drive, Rochester, NY 14227
WebsiteLicense: 673522

Expertise.com Rating

Review Sources

Google
4.0 (2)

Why choose this provider?

Cheektowaga Agency, Inc., is an insurance service center in Rochester serving clients in Western New York for over 64 years. Its team of agents offers life insurance products from various providers with comprehensive coverage. They also carry auto insurance, home insurance, renters insurance, and business insurance. Additionally, they have plans covering condo units, umbrella liability, and rental properties. Each agent at Cheektowaga Agency has 26 years of experience in the industry, providing personalized insurance premiums to individuals and families.

  • Individual Plans
  • Life Insurance

919 Winton Rd S Ste 210, Rochester, NY 14618

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Dolan Nabozny Insurance Agency is a boutique life insurance company in Rochester. Dolan and Nabozny are its two agents, founding the company in 2015. They have many years of experience in life insurance, partnering with several trusted insurance carriers to ensure they can offer clients a choice of policies with varying degrees of coverage at competitive rates. They also provide impartial advice and can assist clients in filing claims.

2858 Dewey Ave, Rochester, NY 14616

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Francisco Insurance Agency is a life insurance company in Rochester, serving individuals and businesses across the neighboring areas. Its founder and lead agent is Rachel E. Francisco, an experienced insurance adviser who has developed strong links with many carriers to ensure her clients have a choice of products with various levels of coverage. The agency's products include term life and universal life insurance. Ms. Francisco can arrange policies for every client, even if they've been rejected by other agencies.

2700 Elmwood Ave, Rochester, NY 14618

Expertise.com Rating

Review Sources

Google
4.0 (171)
Facebook
5.0 (17)
Yelp
5.0 (3)

Why choose this provider?

Quinton Insurance is an independent life insurance agency in Rochester, with additional offices in Harrison, serving clients across New York. The agency specializes in individual life insurance and employee benefits programs for companies of all sizes. Its services range from tailoring individual policies chosen from the many offered by its partner carriers to designing employer-paid and supplemental benefits programs. The agents also help clients file claims and review their insurance policies annually.

3252 Chili Avenue, Rochester, NY 14624
WebsiteLicense: 544284

Expertise.com Rating

Why choose this provider?

Tompkins Insurance Agencies offers life insurance solutions to clients in Rochester. The professionals in the company assist clients in purchasing life and disability insurance and long-term care. Its insurance coverage includes auto, homeowners, and umbrella insurance, in addition to valuable items and recreational vehicles. The company also offers financial services, such as business and personal banking. Tompkins Insurance Agencies also ranked among the Top 50 Personal Insurance Agencies in the country. Furthermore, it works with various carriers, including Cigna, Chubb, and Encompass.

  • Life Insurance

30 North Main Street, Albion, NY 14411
WebsiteLicense: 625555

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
5.0 (4)

Why choose this provider?

Albion Agencies Insurance is a full-service insurance agency that has provided comprehensive insurance options in the Rochester area since 1844. It offers life insurance with the necessary coverage and clients can choose between whole life insurance or term life insurance. It also offers homeowners, auto, renters, and mobile home coverage for personal clients. Business coverages include auto, property, liability, workers compensation, bonds, and more. Albion Agencies Insurance is one of the oldest and largest insurance agencies in the Orleans County.

  • Life Insurance

1880 East Ridge Road, Rochester, NY 14622
WebsiteLicense: 941191

Expertise.com Rating

Review Sources

Google
4.0 (37)

Why choose this provider?

Trovato Associates has been assisting locals of Rochester and its neighboring areas with their insurance needs since 2011. As a full-service and independent insurance agency, it partners with a variety of insurance carriers to provide its individual, business, and commercial clients with an insurance package tailored to meet their needs. The agency mainly assists with term life and permanent life insurance plans, and it also provides assistance with other personal insurance plans including auto, home, and umbrella insurance.

  • Individual Plans
  • Life Insurance

2480 Browncroft Blvd Ste 2A, Rochester, NY 14625

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

Founded in 1996, DGM Insurance Agency is a health insurance company in Rochester, with an additional office in Charlotte, North Carolina. Its personal and business services include arranging individual life insurance and tailoring employee benefits programs for small and large companies. As an independent agency, it can offer unbiased advice and a wide range of policies provided by some of the country's most stable insurance carriers. It also arranges insurance for drivers and homeowners.

1 Grove St Ste 122B, Pittsford, NY 14534

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Leighton Insurance Agency has been active since 1995 and acts as an independent agency providing multiple types of life insurance coverage. It sells individual life insurance policies to clients provisioning for their surviving loved ones, and these policies typically cover final expenses, debts, and future expenses incurred by dependents, such as with education costs. Child insurance policies are also available to protect parents or guardians from significant financial losses in the unfortunate event of a child's death. Key person insurance is available to businesses with particularly valuable members.

2531 Rochester Road (Rt. 332), Canandaigua, NY 14424

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

SimcoHR provides businesses a single point of contact who integrates technology and service on a day to day basis in HR, risk management, payroll, and benefits. Your personal SimcoHR contact is backed by a team of specialists ready to help in compliance, open enrollment, payroll processing, time and attendance systems, onboarding and offboarding, employee handbooks, risk assessments and more. It's not about product, it's about process. The Simco Process provides solutions that creates efficiencies to serve your business needs. We also have the Simco Insurance Center that offers individuals a wide variety of personal insurances including Medicare, medical, auto, home, and life insurance products. Visit SimcoHR.com for more info.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Century Benefits Group, Inc.
400 White Spruce Blvd Ste C, Rochester, NY 14623
The Feltner Group
191 S Union St, Spencerport, NY 14559
Vanscoter Insurance Agency
1577 W Ridge Rd Ste 216, Rochester, NY 14615
The Schultz Group of NY
3445 Winton Pl Ste 109, Rochester, NY 14623
Cheektowaga Agency, Inc.
3 Kelly Drive, Rochester, NY 14227
Dolan Nabozny Insurance Agency
919 Winton Rd S Ste 210, Rochester, NY 14618
Francisco Insurance Agency
2858 Dewey Ave, Rochester, NY 14616
Quinton Insurance
2700 Elmwood Ave, Rochester, NY 14618
Tompkins Insurance Agencies
3252 Chili Avenue, Rochester, NY 14624
Albion Agencies Insurance
30 North Main Street, Albion, NY 14411
Trovato Associates
1880 East Ridge Road, Rochester, NY 14622
DGM Insurance Agency
2480 Browncroft Blvd Ste 2A, Rochester, NY 14625
Leighton Insurance Agency
1 Grove St Ste 122B, Pittsford, NY 14534
SimcoHR
2531 Rochester Road (Rt. 332), Canandaigua, NY 14424

FAQs

  • If you want to have long-term protection coverage, what type of life insurance should you buy in Rochester?

    You should buy whole life insurance in Burbank if you want to have long-term protection coverage. This type of life insurance does not require you to renew or reapply your coverage. As long as you pay your premiums, you can enjoy full protection. Your whole life insurance cash value grows over time and can be accessed in case you need funds.

  • How much life insurance do residents in Rochester need?

    The amount of life insurance coverage residents in Rochester need depends on what kind of legacy they want to leave in the event of their passing. Individuals who want to know how much life insurance they need may work with their agents to calculate their insurance needs. To calculate, they need to subtract the value of their current resources from their future insurance needs.

  • What should first-time parents consider when purchasing life insurance in Rochester?

    First-time parents in Rochester must consider the type of job they have, their monthly budget, and their income and equity when purchasing life insurance. By assessing these things, they can determine whether or not they can afford to have life insurance. If they have employer-provided life insurance, they can choose a cheaper life insurance coverage for additional protection.

  • Does life insurance in Rochester cover suicide?

    In Rochester, generally, life insurance does not cover suicide. Most life insurance policies include a suicide clause or provision, that states that if the insured person commits suicide within the first two years of the policy, death benefits for their beneficiaries might be denied. However, if the death occurs within the contestability period, insurance carriers may refund paid premiums without accumulated interest.

  • Does marijuana use affect life insurance premiums in Rochester?

    It depends on the situation. Insurance companies in Rochester know that marijuana use is accepted and legalized for medication purposes, which is why they take a cautious approach regarding this matter. When writing a policy for individuals who use marijuana, they assess applicants' reasons why and how often they use it.

  • 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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