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2024

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Best Life Insurance Companies in Staten Island, 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 Staten Island 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.

21025Reviewed

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

201 Edward Curry Avenue, Staten Island, NY 10314

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
5.0 (6)
Yelp
1.0 (1)

Why choose this provider?

Transportation Construction Environmental Insurance Services, Inc., is a life insurance company that serves clients from Staten Island. The firm provides a variety of life insurance options including whole, term, and universal. Other insurance products are also available, which include policies for cars, homeowners, transportation, and construction. The company has partnered with KeepTruckin for its ELD solutions. The president of the agency is William DeMaio, an insurance professional who has been working in the industry since 1991.

  • Life Insurance

201 Edward Curry Avenue, Staten Island, NY 10314
WebsiteLicense: 734091

Expertise.com Rating

Review Sources

Google
3.0 (5)
Facebook
4.0 (4)
Yelp
5.0 (1)

Why choose this provider?

RPM Insurance Agency is a Staten Island company offering life insurance products and services. It has been in the business for over 100 years, assisting clients in finding suitable life insurance policies with comprehensive coverages. With a network of insurance providers such as AmTrust North America and MetLife, its agents compare policies and design personalized insurance programs to suit different needs and budgets. The company also offers insurance products on other personal and business lines.

  • Life Insurance

1775 South Avenue, Staten Island, NY 10314

Expertise.com Rating

Review Sources

Google
3.8 (32)
Yelp
3.0 (4)
Facebook
5.0 (1)

Why choose this provider?

Roth Insurance is a full-service agency that delivers insurance products and services to individuals and families in the Staten Island area and the surrounding communities. In addition to life insurance, it offers homeowners' and commercial insurance. The company also crafts insurance coverages for trucks, buses, motorcycles, and autos. It also helps clients lessen the number of points in their driving record through its Point Reduction Program. Roth Insurance has been providing insurance solutions for more than 50 years.

  • Life Insurance

131 New Dorp Lane, Staten Island, NY 10306
WebsiteLicense: 1090615

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (5)
Yelp
3.0 (5)

Why choose this provider?

Larissa Buerano is an insurance broker who provides auto, home, property, business, and life insurance products to clients in the Staten Island metro. She has been a State Farm agent since 2008. She also provides financial advisory services involving banking, annuities, and mutual funds. She sources life insurance quotes for term life, whole life, variable life, and variable universal life coverages that provide financial protection against unexpected expenses for accidents, losses, and deaths. Larissa leads a team of nine agents in insurance underwriting and selling activities.

  • Life Insurance

2420 Arthur Kill Road Suite 300, Staten Island, NY 10309
WebsiteLicense: 1329047

Expertise.com Rating

Review Sources

Facebook
5.0 (35)
Google
5.0 (2)

Why choose this provider?

USA Mutual Insurance Agency, LLC serves customers throughout Staten Island and nearby areas. Its team offers life insurance, including permanent and term life policies, to protect the client's assets and loved ones. It also provides property and casualty insurance covering real estate development, construction, commercial property, and professional liability. In addition, the business offers workers' compensation, group health, and disability insurance. Some of its insurance carriers include Oxford Health Plans, BlueCross BlueShield, Colony Specialty, and NatGen Premier.

  • Life Insurance

260 Christopher Lane, Staten Island, NY 10314
WebsiteLicense: 732119

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Located in Staten Island, Tillman Brokerage, Inc., is an insurance agency that has been serving the local community since 1984. It offers life insurance products for companies, self-employed people, individuals, and families. Other than that, Its insurance agents assist clients seeking medical, home, auto, and boat insurance policies. Furthermore, executives can also consult the team for business insurance analysis. It insures a wide variety of commercial properties, including office buildings, gasoline stations, restaurants, retail stores, and medical clinics.

  • Life Insurance

885 Huguenot Ave, Staten Island, NY 10312
WebsiteLicense: 1114065

Expertise.com Rating

Why choose this provider?

Vestis Insurance Agency is an independent firm that offers life insurance plans to clients around Staten Island and its nearby areas. Its full-service agents help clients determine the type of coverage they need and connect them with the appropriate plans from its network of insurance carriers. The common life insurance plans its agents assist with include term life, survivor whole life, and whole life insurance. Vestis Insurance Agency also offers other personal insurance policies such as property, casualty, and flood plans.

  • Life Insurance

1983 Marcus Avenue, Lake Success, NY 11020
WebsiteLicense: 1109303

Expertise.com Rating

Review Sources

Google
4.0 (9)

Why choose this provider?

Ravi Balchand of New York Life is an insurance agent who caters to individuals and families in the Staten Island area. He assists clients in obtaining a life insurance policy that will help them ensure their lifestyle and future stability. In addition, he handles disability income and group health insurance products. Furthermore, Ravi likes getting into detail about his customers' goals to figure out what plans will work to reach their desired outcomes.

  • Life Insurance
  • Health Insurance

1253 Richmond Avenue, Staten Island, NY 10314
WebsiteLicense: 632426

Expertise.com Rating

Review Sources

Google
5.0 (120)
Facebook
5.0 (3)

Why choose this provider?

Alpha/Omega Coverage Corp. is a family-owned and family-operated full-service independent insurance agency that has been serving the residents of Staten Island for more than 40 years. It provides life insurance and long-term care insurance. The firm also offers personal property insurance, personal auto and recreational insurance, and personal liability insurance. Alpha/Omega Coverage Corp. works with more than 30 carrier partners, including Berkshire Hathaway GUARD Insurance Companies, Safeco Insurance, AmTrust Financial, Sterling Insurance Company, Inc., and CNA Financial.

  • Life Insurance

3971 Victory Boulevard, Staten Island, NY 10314
WebsiteLicense: 989296

Expertise.com Rating

Review Sources

Google
5.0 (249)
Facebook
5.0 (73)
Yelp
5.0 (4)

Why choose this provider?

New York City Business Group is an independent insurance agency that has served clients on Staten Island for over 10 years. Its agents offer to examine the rates and quotes for life insurance policies for both term-life and whole-life plans. They can also educate clients about specialized coverage options, such as mortgage protection and accidental death insurance. In addition, the agency can tailor life insurance plans for business owners. Its other insurance products include Medicare, auto, and home insurance.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Transportation Construction Environmental Insurance Services Inc.
201 Edward Curry Avenue, Staten Island, NY 10314
RPM Insurance Agency
201 Edward Curry Avenue, Staten Island, NY 10314
Roth Insurance
1775 South Avenue, Staten Island, NY 10314
Larissa Buerano
131 New Dorp Lane, Staten Island, NY 10306
USA Mutual Insurance Agency, LLC
2420 Arthur Kill Road Suite 300, Staten Island, NY 10309
Tillman Brokerage, Inc.
260 Christopher Lane, Staten Island, NY 10314
Vestis Insurance Agency
885 Huguenot Ave, Staten Island, NY 10312
Ravi Balchand
1983 Marcus Avenue, Lake Success, NY 11020
Alpha/Omega Coverage Corp
1253 Richmond Avenue, Staten Island, NY 10314
New York City Business Group
3971 Victory Boulevard, Staten Island, NY 10314

FAQs

  • How long does it usually take life insurance carriers in Staten Island to process claims?

    In Staten Island, when a life insurance claim is lodged, New York State mandates insurance companies to pay the beneficiary within 30 days after receiving a death verification. Delays in payments lead to accrued interest on the owed amount and potential fines for the insurer. Residents seeking more insight on these regulations can consult the New York State Department of Financial Services.

  • Can Staten Island residents access cash value when surrendering a traditional whole life insurance policy?

    Yes. Staten Island policyholders with traditional whole life insurance typically amass a cash value over time, mirroring home equity accumulation. Upon surrendering the policy, the holder is entitled to a part of this value. The exact amount varies, considering factors like outstanding loans or unsettled premiums that may reduce the cash value.

  • For Staten Island residents, is it necessary to pay premiums lifelong to maintain a whole life insurance policy?

    Not always. While traditional whole life insurance in Staten Island often demands uniform premiums for the insured's entire life, some policies offer single payments or shorter durations, like 20 years or until 65, at higher rates. Participating policies might apply dividends, although they're not guaranteed, to offset premiums. If surrendered, the policy's value can buy reduced insurance or a temporary term coverage, outlined in the "non-forfeiture" provision.

  • What are the primary distinctions between term and whole life policies for Staten Island residents?

    Term life policies in Staten Island offer coverage for a fixed period, usually between 10 and 30 years, with consistent premium payments during that span. After the term, both coverage and payments end. Typically, term premiums remain low. On the other hand, whole life policies provide coverage for the policyholder's entire life without a specified expiration. They tend to have enduring premiums, ensuring lifelong protection.

  • In Staten Island, should residents prioritize life insurance for the main income earner before considering policies for children or non-wage-earning spouses?

    Yes. Staten Island residents should first ensure that the primary breadwinner has sufficient life insurance coverage. Once this is in place, they can contemplate insuring children or a spouse not bringing in a salary. The rationale is that insuring a non-earning spouse can help cover the costs of household services they provide, while in homes with two earners, both incomes should be protected. Insuring children might be apt in specific circumstances but should not precede the main earner's coverage.

  • 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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