Expertise.com Homepage

2025

Last updated:

Best Life Insurance Companies in Syracuse, NY

Our Recommended Top 16

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 Syracuse 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.

6130Reviewed

3684Curated

16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving Syracuse
4875 South Avenue, Syracuse, NY 13215
Visit WebsiteLicense: 1112275

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Don Marsh Agency, Inc., is an insurance company that serves clients in the Syracuse area. It provides a range of life insurance policies, which customers can avail to help them secure their financial obligations to their families before they pass away. The policies include universal life, which gives permanent protection, and term life, which gives coverage for a limited period of time. Don Marsh Agency has been in the industry for more than 25 years.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
6003 South Salina Street, Syracuse, NY 13205
Visit WebsiteLicense: 1478104

Expertise.com Rating

Review Sources

Google
4.0 (58)
Facebook
4.0 (13)

Why choose this provider?

Sarah Wood is a State Farm insurance agent servicing the Syracuse community. She provides term, whole, and universal life insurance coverage options to individuals who want to secure the futures of their families. The policies are also available for small businesses which can serve different purposes such as business continuation, key employees, employee benefits, and key employee incentives. Wood and her team also offer auto, health, home, and pet insurance. Moreover, they specialize in handling banking and annuities.

  • Individual Plans
  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Syracuse
528 Plum Street, Syracuse, NY 13204
Visit WebsiteLicense: 633657

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Bailey Place Insurance provides risk management assistance from its Syracuse location. Its team of independent agents helps clients obtain different types of protection, including life insurance which can provide protection either for a lifetime or a specific number of years. They review policies from numerous partner carriers like Nationwide and Progressive in order to find plans that cover clients' unique needs. Bailey Place Insurance, which also has offices in Rochester, Dryden, and Cortland, traces its roots back to the 1850s.

  • Individual Plans
  • Life Insurance
  • Group Plans

Best Life Insurance Companies Serving Syracuse
706 North Clinton Street, Syracuse, NY 13204
Visit WebsiteLicense: 925601

Expertise.com Rating

Review Sources

Google
4.3 (39)
Facebook
5.0 (1)

Why choose this provider?

Serving the community of Syracuse, OneGroup is an agency that helps individuals and families prepare for the unexpected through life insurance. This type of insurance plan covers the financial needs of surviving family members, such as college education funds and daily living expenses. The company also offers other insurance programs, such as automobile, recreational vehicle, earthquake, umbrella, and renters' insurance. OneGroup is comprised of over 200 professionals in the fields of business and personal insurance, wealth management, and financial planning.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
440 South Warren Street, Syracuse, NY 13202
Visit WebsiteLicense: 650062

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Headquartered in Syracuse, Parsons & Associates, Inc., is a third-generation family-owned insurance agency and brokerage that has been serving the state of New York for almost a century. It offers life insurance, as well as both long-term and short-term disability insurance. President Robert M. Parsons is a Certified Insurance Counselor that has been working in the insurance industry for more than 30 years. Parsons & Associates is a member of Professional Insurance Agents.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
701 North State Street, Syracuse, NY 13203
Visit WebsiteLicense: 1051590

Expertise.com Rating

Review Sources

Google
4.3 (23)

Why choose this provider?

Liverpool Associates Insurance Agency is a life insurance firm that serves clients in Syracuse. The company provides various life insurance options such as term, whole, and universal life insurance. There are also insurance plans for businesses, renters, and homeowners. The firm has partnered with top insurance carriers like Utica First Insurance Company, National General Insurance, and Main Street America. Currently led by Ron Ciricillo, the agency remains committed to providing customized plans based on clients' personal needs.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
3700 James Street, Syracuse, NY 13206
Visit WebsiteLicense: 627411

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Salanger & Hayward Agency, Inc. is a family-owned and family-operated agency based in Syracuse. As a second-generation independent insurance agency, it works with top-tier insurance providers to custom design the coverage and protection for each client. Since 1969, Salanger & Hayward Agency has been a strategic resource of single-policy programs and total insurance programs. Life insurance is among the insurance products the agency recommends for safeguarding individuals, families, and their assets. Salanger & Hayward Agency, Inc. also provides auto, home, and business insurance.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Syracuse
136 East Genesee Street, Baldwinsville, NY 13027
Visit WebsiteLicense: 1364558

Expertise.com Rating

Review Sources

Google
5.0 (89)
Facebook
5.0 (34)

Why choose this provider?

Horan Companies is an independent multi-line agency that serves the Syracuse area. Included in its product range is individual life insurance which may involve whole life, universal life, or term life policies. Its team of agents works with different carriers such as Progressive, Erie, and Plymouth Rock, allowing them to review and find policy options that will match clients' specific needs. In 2015, Horan Companies has bee named Business of the Year by the Baldwinsville Chamber of Commerce.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
1524 West Fayette Street, Syracuse, NY 13204
Visit WebsiteLicense: 603605

Expertise.com Rating

Review Sources

Google
5.0 (6)
Facebook
5.0 (4)

Why choose this provider?

Masterpole Murphy Agency Inc. is a locally owned and operated business that has been addressing the insurance needs of the people of Syracuse and throughout New York since 1957. It provides term, whole, and universal life insurance plans for individuals, couples, and families. It customizes insurance policies that can be used upon the policyholder's death or can be utilized as an investment opportunity. The company's insurance partners include Chubb, Encompass, Safeco, The Hartford, and Progressive.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
306 East 1st Street, East Syracuse, NY 13057
Visit WebsiteLicense: 1282935

Expertise.com Rating

Review Sources

Google
4.9 (155)
Facebook
5.0 (52)
Yelp
5.0 (4)

Why choose this provider?

Brenda Flagg is a State Farm insurance professional in East Syracuse. Included in her product range is life insurance which has three types: whole life, universal life, and term life. She assists clients throughout the process, from furnishing plans and making policy adjustments to filing claims. Flagg, who also offers auto and business insurance, has been providing risk management assistance for over four decades. She is active at her local church and is involved with local organizations that help the youth.

  • Term Life Insurance
  • Whole Life Insurance
  • Life Insurance

Best Life Insurance Companies Serving Syracuse
906 Spencer Street, Syracuse, NY 13204
Visit WebsiteLicense: 663557

Expertise.com Rating

Review Sources

Google
5.0 (164)
Facebook
4.8 (86)
Yelp
5.0 (1)

Why choose this provider?

Established in 1983, the family-owned Delmonico Insurance Agency has been serving the insurance needs of Syracuse and other nearby metros. It matches appropriate life insurance policies that fit an individual's rating criteria. The company's agents conduct a comprehensive need analysis to determine the right coverage for its clients. Its life insurance products include term life or whole life insurance. In addition, it also offers homeowners and renters insurance, as well as auto and recreational vehicle insurance.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
112 Dewitt St 202, Syracuse, NY 13203
Visit WebsiteLicense: 1067438

Expertise.com Rating

Review Sources

Google
4.4 (7)
Yelp
5.0 (1)

Why choose this provider?

Established in 1994, Fiscal Fitness is an independent insurance brokerage that serves small businesses and individuals in Syracuse. It offers a range of risk management strategies, including disability and life insurance, Medicare plans, and long-term care insurance. It also has group dental and health insurance as well as retirement plans and NY statutory disability insurance. Additionally, it provides tax services for businesses and individuals. Fiscal Fitness owner and founder Clark Gronsbell previously worked as a public accountant in Washington, DC.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
725 Erie Boulevard West, Syracuse, NY 13204
Visit WebsiteLicense: 1218782

Expertise.com Rating

Review Sources

Google
4.9 (18)

Why choose this provider?

White Harbor Group is an insurance agency that has been servicing Syracuse since 2019. It offers a term, universal, and whole life insurance for individuals and their families. The policy also carries products such as final expense, fixed annuities, and mortgage protection insurance plans. Its team of independent agents partners with multiple insurance companies and help clients choose from a wide range of tailored solutions based on their needs, including Gerber Life Insurance, Ameritas, and Leatherstocking Cooperative Insurance Company.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
933 State Fair Boulevard, Syracuse, NY 13209
Visit WebsiteLicense: 744843

Expertise.com Rating

Review Sources

Google
4.8 (88)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Craig Agency is a family-owned business led by three generations of agents and brokers. It provides insurance solutions to individuals, families, and businesses in Syracuse and other surrounding areas. It finds the best coverage that fits its clients' needs and liaises with insurance carriers during claims. The company offers various life insurance products, including term, universal, variable universal, and traditional whole. In addition, it also handles homeowners' and renters' insurance and auto, boat, and motorcycle policies.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Syracuse
744 Pre Emption Road, Syracuse, NY 14456

Expertise.com Rating

Why choose this provider?

Touhey Insurance LLC is an independent insurance agency near Syracuse that offers personal and commercial insurance products to clients in the metro. The company has been operating for more than 80 years and is composed of licensed insurance brokers and financial advisors. Its team carries out underwriting and selling activities for life insurance products such as term life and permanent life insurance. Touhey Insurance also offers insurance plans for homes, automobiles, rental properties, businesses, and employees.

  • Life Insurance

Best Life Insurance Companies Serving Syracuse
66 Main Street, Syracuse, NY 14502
Visit WebsiteLicense: 749850

Expertise.com Rating

Review Sources

Google
5.0 (166)
Facebook
5.0 (37)

Why choose this provider?

Serving residents of Syracuse, J.D. Chapman Agency, Inc., is an independent insurance agency founded in 1958. The agency provides personal insurance coverages including life, car, motorcycle, boat, and watercraft insurance. Furthermore, commercial insurance coverages can also be assisted, such as commercial auto and workers' compensation, general liability insurance, and Business Owners Policy (BOP). Bruce Chapman is the current president of the agency, who is also a Trustee of the First Baptist Church in Macedon and a member of the NRG Referral Group of Fairport.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Don Marsh Agency, Inc.
4875 South Avenue, Syracuse, NY 13215
Sarah Wood
6003 South Salina Street, Syracuse, NY 13205
Bailey Place Insurance
528 Plum Street, Syracuse, NY 13204
OneGroup
706 North Clinton Street, Syracuse, NY 13204
Parsons & Associates, Inc
440 South Warren Street, Syracuse, NY 13202
Liverpool Associates Insurance Agency
701 North State Street, Syracuse, NY 13203
Salanger & Hayward Agency, Inc.
3700 James Street, Syracuse, NY 13206
Horan Companies
136 East Genesee Street, Baldwinsville, NY 13027
Masterpole Murphy Agency Inc.
1524 West Fayette Street, Syracuse, NY 13204
Brenda Flagg
306 East 1st Street, East Syracuse, NY 13057
Delmonico Insurance Agency
906 Spencer Street, Syracuse, NY 13204
Fiscal Fitness
112 Dewitt St 202, Syracuse, NY 13203
White Harbor Group
725 Erie Boulevard West, Syracuse, NY 13204
Craig Agency
933 State Fair Boulevard, Syracuse, NY 13209
Touhey Insurance
744 Pre Emption Road, Syracuse, NY 14456
J.D. Chapman Agency, Inc.
66 Main Street, Syracuse, NY 14502

Disclaimer:  Expertise.com is not a licensed insurance agency. All insurance offerings are provided by CompareCoverage, NPN 20753534 and CA License # 6011227. © 2025 CompareCoverage. All Rights Reserved.

Syracuse, NY Life Insurance FAQs

  • What are your options for life insurance plans in Syracuse?

    There are two main types of life insurance policies in Syracuse: term and permanent. Term life insurance offers coverage within a certain period of time; it can be 10, 20, or 30 years. This type of insurance is less expensive compared to permanent life insurance. If you have the budget, permanent life insurance may be better for you. It offers coverage for the duration of your life. Additionally, it has a savings component. This means that the accumulated cash value over time allows you to have extra money for your retirement or other expenses.

  • Does whole life insurance in Syracuse have tax benefits?

    Yes, whole life insurance in Syracuse has tax benefits. For one, your beneficiaries will receive an income-tax-free sum of money in the event of your death. Your whole life insurance plan's cash value will also not be taxed while it is growing; this is also known as "tax deferred". Should you decide to access your whole life insurance's cash value, you can take out loans or withdraw the money without taxes; just make sure they are structured properly. Plus, life insurance benefits can pay for the estate taxes of their beneficiaries.

  • Can you get life insurance in Syracuse even if you have a pre-existing condition?

    Yes, it is possible to get life insurance in Syracuse even if you have a pre-existing condition. To increase your chances of qualifying, you need to prove to insurance providers that you are getting better. Follow your treatment plan, exercise regularly, and lose weight so you can have a better quality life, which can help you get life insurance.

  • Is a physical exam required to get life insurance in Syracuse?

    Most insurance companies in Syracuse require individuals to undergo a physical exam before they are approved for life insurance coverage. However, there are several non-medical life insurance options available if you prefer not to take a physical exam. Some examples of life insurance that do not require medical exams are simplified issue life insurance, guaranteed issue life insurance, employer-paid group life insurance, and instant-approval term life insurance. An insurance provider may still require you to take a medical exam if you have a terminal illness, seriously impaired health, or a request for an unusually large amount of coverage.

  • Can you borrow money from your whole life insurance policy in Syracuse?

    Yes, you can borrow money from your whole life insurance policy in Syracuse, as long as it has sufficient funds in its cash value to secure the loan. You can make withdrawals against the cash value or take out a loan against the cash value. Withdrawals will reduce the available cash value and lower your death benefit. While loans may not deplete the policy's cash value, they must be repaid, or the outstanding balance will be deducted from your death benefit.