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2024

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Best Life Insurance Companies in Medford, OR

Our Recommended Top 16

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Medford 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.

3550Reviewed

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16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

99 Pine Street, Rogue River, OR 97537
WebsiteLicense: 1937437

Expertise.com Rating

Review Sources

Facebook
5.0 (7)

Why choose this provider?

Dean Stirm is a State Farm insurance agent servicing the Medford community. Since 1999, he has been providing term, whole, and universal life insurance coverage options to individuals who want to secure their future. The policies are also available for small businesses for different purposes, such as business continuation, key employees, employee benefits, and key employee incentives. Stirm and his team also offer auto, health, and pet insurance. In addition, they assist clients when it comes to banking, mutual funds, and annuities.

  • Life Insurance
  • Health Insurance

700 East Main Street, Medford, OR 97504

Expertise.com Rating

Review Sources

Google
4.4 (9)
Facebook
5.0 (4)
Yelp
4.0 (1)

Why choose this provider?

Family Insurance Services is an independent and locally operated insurance agency that aims to address the life insurance needs of individuals, families, and businesses in Medford. It helps clients secure universal and term life insurance policies that offer death benefits and investment opportunities for families and their loved ones. In addition to life insurance, it also delivers EPO, HMO, and POS coverage. The agency correspondingly works with a variety of insurance providers, including Allstate Insurance, Bristol West, and CNA Surety.

  • Life Insurance
  • Health Insurance

801 O'Hare Parkway, Medford, OR 97504
WebsiteLicense: 100151080

Expertise.com Rating

Review Sources

Google
4.0 (21)
Yelp
5.0 (13)
Facebook
4.0 (2)

Why choose this provider?

Ashland Insurance, Inc., is an independent insurance agency that caters to customers in Medford and nearby areas. It offers life insurance products as well as retirement planning services, helping clients prepare for their future. In addition, it assists in acquiring personal, business, pet, and health insurance products. This firm works with various insurance companies, like Berkshire Hathaway Homestate Companies, CNA, Foremost Insurance Group, and Liberty Mutual. Ashland Insurance has been in the business since 1981.

  • Life Insurance
  • Health Insurance

151 Rossanley Drive, Medford, OR 97504
WebsiteLicense: 100170936

Expertise.com Rating

Review Sources

Google
3.0 (10)
Yelp
4.0 (5)

Why choose this provider?

Insurance Lounge provides risk management assistance from its Medford office. It offers multiple protection lines, covering whole life and term life insurance that provide coverage for a lifetime and a specific number of years, respectively. Its team of independent agents has access to plans from over a hundred carriers, giving them options to select suitable coverages for clients to choose from. Insurance Lounge, which also offers Medicare and disability plans, strives to simplify the process of obtaining insurance by utilizing technology.

  • Life Insurance
  • Health Insurance

3210 Hillcrest Park Drive, Medford, OR 97504
WebsiteLicense: 100210386

Expertise.com Rating

Review Sources

Google
5.0 (21)
Facebook
5.0 (6)
Yelp
3.5 (3)

Why choose this provider?

Shannon Harris is a life insurance professional serving Medford. She has been affiliated with State Farm Insurance since 1988. She assists clients in finding the right financial coverage in life insurance through products such as permanent life and term life insurance. Shannon has received several awards, including State Farm Chairman's Circle Award. She is also a member of the Medford Chamber of Commerce. State Farm Insurance is ranked #1 in customer satisfaction among life insurance providers according to J.D. Power.

  • Life Insurance
  • Health Insurance

1998 Skypark Drive, Suite 100, Medford, OR 97504
WebsiteLicense: 100166020

Expertise.com Rating

Review Sources

Google
4.0 (19)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Insurance Marketplace, Inc., is a locally owned and locally operated insurance agency serving clients in Medford. Nationwide Insurance, The Hartford, and UnitedHealthcare are some of the insurance carriers it works with. It offers various types of life insurance policies, including term, universal, variable universal, and whole. Additionally, it provides business, critical illness, health, Medicare, and property insurance plans. The team of agents at Insurance Marketplace has over 250 years of combined experience in the insurance industry.

  • Life Insurance

1756 Ashland Street, Ashland, OR 97520
WebsiteLicense: 100153366

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Reinholdt & O'Harra Insurance is a full-service independent agency that serves the Medford area. It offers a wide range of products, including life insurance that includes mortgage protection, long-term care, disability, and second-to-die policies. The risk management professionals can furnish both individual and group plans and have access to coverage options from a number of carriers such as Nationwide, Zurich, and Progressive. Reinholdt & O'Harra Insurance traces its beginnings back to 1939.

  • Life Insurance
  • Health Insurance

1123 Royal Avenue, Medford, OR 97504
WebsiteLicense: 7997706

Expertise.com Rating

Review Sources

Google
4.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Hart Insurance has been rendering its services to Medford and surrounding areas since 1947. It assists clients in preparing for the future through life insurance policies like individual life, group life, disability, and long-term care insurance. Its individual life insurance plans include term life, annual renewable term life, and whole life. Additionally, the company offers mortgage protection insurance products, key person coverages, and second-to-die insurance policies. Hart Insurance also holds personal insurance coverages for collisions, accidents, liabilities, and identity theft.

  • Life Insurance
  • Health Insurance

1325 Center Drive, Medford, OR 97501
WebsiteLicense: 6263185

Expertise.com Rating

Review Sources

Google
4.0 (55)
Facebook
4.4 (13)
Yelp
3.0 (4)

Why choose this provider?

Brad Linnell, a State Farm insurance agent since 2010, serves businesses and individuals throughout the Greater Medford metro area. He helps clients pay off their debts and protect the financial future of their families by providing comprehensive life insurance policies, including term, universal, and whole life insurance. Linnell is a Legion of Honor agent and Ambassador Travel qualifier and also offers auto, business, health, renters', and homeowners' insurance. His other products include banking, annuities, and mutual funds.

  • Life Insurance
  • Health Insurance

2045 Cardinal Avenue, Medford, OR 97504
WebsiteLicense: 100155576

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
5.0 (6)

Why choose this provider?

Propel Insurance is an insurance agency that offers a comprehensive suite of insurance solutions in Medford and the surrounding areas. It provides various types of insurance products for individuals and businesses, including life insurance plans. Furthermore, the company carries disability insurance, long-term care insurance, and Medicare policies. Founded in 1923, Propel has served multiple industries, including banking, healthcare, and senior care. In 2020, the company ranked among the Top 100 P/C Agencies and the Top 50 Commercial Lines Agencies by Insurance Journal.

  • Life Insurance

930 Town Centre Drive, Medford, OR 97504
WebsiteLicense: 100161710

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Boeck & Associates, Inc., offers insurance and financial services to clients in the Medford area. It has been in the industry for over 30 years, providing a wide range of insurance products, including individual and family benefits. These benefits cover life, health, disability, dental, vision, and long-term care insurance. The business also has options for employer group benefits, such as group life and HSA plans. Boeck & Associates represents various national insurance carriers, including LifeMap, Mutual of Omaha, MetLife, and Moda.

  • Life Insurance
  • Health Insurance

909 West 8th Street, Medford, OR 97501
WebsiteLicense: 100160575

Expertise.com Rating

Review Sources

Google
4.0 (26)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

Carol A. Page Insurance Agency is an independent firm that delivers a wide range of insurance products and solutions to clients residing in Medford. These include life and health insurance plans, which cover term life, whole life, family and individual health plans, Medicare Supplement, and Medicare Advantage. The family-run agency also provides policy coverage for homes, automobiles, watercraft, jewelry, firearms, and businesses. It has been serving the Southern Oregon area for more than 35 years.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

514 Crater Lake Avenue, Medford, OR 97504
WebsiteLicense: 100162589

Expertise.com Rating

Review Sources

Facebook
5.0 (16)
Google
4.0 (13)
Yelp
1.0 (1)

Why choose this provider?

Protectors Insurance has been serving the life insurance needs of Medford and its surrounding communities for more than 80 years. Since its establishment in 1938, it has represented multiple insurance companies that provide personal and commercial insurance packages. Its agents educate individual clients about purchasing life insurance policies that will provide coverage for their families in case of untimely deaths. These options include term life and whole life or universal life insurance. The agency also offers homeowners, auto, and umbrella insurance policies.

  • Life Insurance
  • Health Insurance

2581 Whittle Avenue, Medford, OR 97504
WebsiteLicense: 6780286

Expertise.com Rating

Review Sources

Google
4.0 (19)

Why choose this provider?

Linda Clarkson is a financial advisor with Futurity First who is based in Medford. She offers life, long-term disability, long-term care, and health insurance, as well as retirement planning. She also teaches her clients the importance of Medicare, the high cost of extended healthcare, and ways to protect their income or wealth. Clarkson has a background in marketing communications and has an MBA. In addition, her clients have appreciated her ability in finding insurance plans that meet their needs and budget.

  • Life Insurance
  • Health Insurance

713 West 1st Street, Phoenix, OR 97535

Why choose this provider?

Town & Country Insurance is an independent insurance agency that works with clients in the Southern Oregon area, including Medford. The insurance professionals help clients choose a variety of insurance options including life insurance, group and individual health insurance, and dental insurance. They keep them informed about premium rates from different insurance carriers who operate within Southern Oregon. Town & Country Insurance has been operating in the life and health insurance industry for over 20 years.

  • Life Insurance
  • Health Insurance

205 North 5th Street, Jacksonville, OR 97530
WebsiteLicense: 100165519

Expertise.com Rating

Review Sources

Google
4.0 (16)
Yelp
5.0 (2)

Why choose this provider?

Established in 1981, Jacksonville Insurance Inc. provides life insurance policies to clients in Medford. Owners Ginny and Dan Buck have been in the industry for over 20 and 35 years, respectively, and use their knowledge to assist clients in finding the coverage that best meets their needs. As an independent agency, it represents insurance carriers such as Liberty Northwest and Progressive and will work with clients to find them the most competitive rates. Jacksonville Insurance Inc. also offers insurance for automobiles, homeowners, and renters.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Dean Stirm
99 Pine Street, Rogue River, OR 97537
Family Insurance Services
700 East Main Street, Medford, OR 97504
Ashland Insurance, Inc.
801 O'Hare Parkway, Medford, OR 97504
Insurance Lounge
151 Rossanley Drive, Medford, OR 97504
Shannon Harris
3210 Hillcrest Park Drive, Medford, OR 97504
Highstreet Insurance & Financial Services
1998 Skypark Drive, Suite 100, Medford, OR 97504
Reinholdt & O'Harra Insurance
1756 Ashland Street, Ashland, OR 97520
Hart Insurance
1123 Royal Avenue, Medford, OR 97504
Brad Linnell
1325 Center Drive, Medford, OR 97501
Propel Insurance
2045 Cardinal Avenue, Medford, OR 97504
Boeck & Associates, Inc.
930 Town Centre Drive, Medford, OR 97504
Carol A. Page Insurance Agency
909 West 8th Street, Medford, OR 97501
Protectors Insurance
514 Crater Lake Avenue, Medford, OR 97504
Linda Clarkson
2581 Whittle Avenue, Medford, OR 97504
Town & Country Insurance
713 West 1st Street, Phoenix, OR 97535
Jacksonville Insurance Inc.
205 North 5th Street, Jacksonville, OR 97530

FAQs

  • What financial areas are typically addressed by life insurance in Medford?

    In Medford, life insurance is designed to protect beneficiaries from various financial hardships following the death of the policyholder. Coverage commonly ensures provision for funeral and end-of-life expenses, compensates for lost income, manages daily living costs, supports trusts or charitable donations, aids in retirement and estate planning, and aids in continuing business operations.

  • In Medford, what determines eligibility and pricing for life insurance?

    Life insurance is widely available in Medford; however, the cost is determined by an individual's risk profile, which is influenced by factors such as age, wellness, and lifestyle. Applicants typically submit health records or undergo a health check-up. Some policies, such as the guaranteed approval variant, do not require health assessments, but they do impose higher rates and a longer initiation period before activation and benefit disbursement.

  • Are you allowed to sell your life insurance in Medford?

    Yes, and while you can sell your life insurance in Medford, you should be aware of several consequences. The settlement may be subject to taxation, affecting both state and federal income taxes. Creditor claims may be made against the proceeds. Furthermore, the proceeds from the sale may affect your eligibility for programs such as Medicaid or food stamps. It is critical to understand that your policy may be resold several times, potentially allowing future owners to monitor your health.

  • Who typically does not require life insurance in Medford?

    Certain groups in Medford might not need life insurance. These include single people unless they are single parents or have dependents such as elderly parents. Dual-income couples without dependent children or parents may also opt out, especially if one's earnings can cover expenses after the death of a partner. Furthermore, elderly individuals with self-sufficient adult children may not require it, as savings should grow over time. Families, particularly those with young children, often benefit from life insurance.

  • In Medford, which life insurance policy offers both flexibility and economic value?

    Residents of Medford choose the best life insurance based on their own needs and their budgets. Whole life and universal life are the two most common choices. Whole life is more stable because the premiums are set and there are extra guarantees, but universal life is more flexible because the premiums can be changed. Insurance companies may also offer extra options, such as riders that speed up death benefits to pay for funeral costs or certain long-term care situations.

  • 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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