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Best Life Insurance Companies in Warwick, RI

Our Recommended Top 4

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 Warwick 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.

3622Reviewed

2174Curated

4Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1275 Wampanoag Trail, East Providence, RI 02915

Expertise.com Rating

Review Sources

Google
4.9 (660)
Facebook
4.8 (22)

Why choose this provider?

Zuzick & Associates is an independent insurance agency delivering insurance options to clients located in the Warwick area. The company offers life insurance products, including term life insurance and whole life insurance. Term life provides coverage for a fixed time, while whole life covers a person's lifetime. Zuzick & Associates also offers a Child Safe Kit to help mitigate the number of missing children and a Free Will Kit to aid clients with asset management. The company partners with American Income Life.

  • Whole Life Insurance
  • Life Insurance
  • Term Life Insurance

631 Main Street, East Greenwich, RI 02818
WebsiteLicense: 2041700

Expertise.com Rating

Review Sources

Google
4.0 (44)
Facebook
5.0 (8)

Why choose this provider?

Dacey Insurance is an independent insurance company that serves Warwick and the neighboring cities. It offers life, disability, and long-term care insurance solutions to families and individuals. The company also helps commercial clients get coverage for general liability, commercial property, employment practices liability, and workers' compensation. Owner Mike Dacey is an attorney, a CPA, and an insurance professional. He offers his perspective to help clients decide on the plans for them. Mike's father, Thomas Dacey, also had 50 years of experience in the insurance industry.

  • Life Insurance

17 6th Avenue, East Greenwich, RI 02818
WebsiteLicense: 1089419

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Doorley Agency, Inc. is an independent insurance agency catering to clients in Warwick and the surrounding areas. The Trusted Choice agency specializes in helping individuals, families, and businesses acquire the policy they need across life, health, homeowners', auto, commercial, and business insurance plans. The company also provides group insurance packages for businesses. It has partnered with numerous insurance carriers to give clients a wide range of options to choose from.

  • Life Insurance

91 Toll Gate Road, Warwick, RI 02887
WebsiteLicense: 1089451

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

The Insurance Center is an independently owned and locally operated insurance firm serving Warwick and the surrounding areas. Since it opened in 1973, it has been helping customers secure life insurance policies. Its team of insurance agents finds coverages that fit clients' unique needs, including term life, whole life, and universal life insurance. In addition, they also handle business, auto, and homeowners' insurance. The Insurance Center compares products from several carriers, such as Safeco, Travelers, Foremost Insurance, and Progressive, for clients' benefit so they can choose what appeals to them.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Zuzick & Associates
1275 Wampanoag Trail, East Providence, RI 02915
Dacey Insurance
631 Main Street, East Greenwich, RI 02818
Doorley Agency, Inc.
17 6th Avenue, East Greenwich, RI 02818
The Insurance Center
91 Toll Gate Road, Warwick, RI 02887

FAQs

  • How can Warwick residents use life insurance as a retirement income source?

    Warwick residents can use whole or universal life insurance policies as a retirement income source by tapping into the policy's cash value. They can take out tax-free loans from this value, which don't necessarily need repayment. An insurance advisor in Warwick can provide detailed options and guidance on how this method aligns with one's overall retirement goals.

  • How can Warwick residents benefit from life insurance both during their lifetime and posthumously?

    Life insurance serves dual purposes for residents of Warwick. Beneficiaries receive tax-free funds after a policyholder's demise, assisting with various financial needs and ensuring business continuity. On the other hand, policyholders enjoy tax-sheltered cash value growth in whole life policies while alive and can access these funds for significant life events or expenses. An insurance expert in Warwick can provide deeper insights.

  • What must Warwick life insurance companies do if they change how they set nonguaranteed element scales?

    When a life insurance company in Warwick adjusts its method for determining nonguaranteed elements, it must promptly inform impacted policyholders in the state before the first adjusted payment. However, this mandate isn't applicable for policies with a death benefit of $5,000 or less. Warwick residents should stay informed and seek clarity from their insurers on any changes.

  • What entity protects Warwick residents who want to obtain life insurance?

    Warwick residents who opt for life insurance from licensed companies gain an extra layer of security through the Rhode Island Life and Health Guaranty Association. The association stands as a significant safety net by ensuring policyholders' claims get paid (up to certain boundaries) should an insurer run into financial trouble. It remains essential for individuals to actively choose insurance companies that showcase strong financial foundations and prudent management.

  • If the Rhode Island Life and Health Guaranty Association becomes responsible for a policy, what measures do they take to ensure coverage continues?

    When the Rhode Island Life and Health Guaranty Association takes responsibility for a policy, they might transition it to a solvent insurer to ensure ongoing coverage and claim settlements. The association might maintain or issue a replacement policy directly. They may collaborate with other state associations to craft a comprehensive protection plan. The nature and timing of protection can vary based on solutions for the defaulting insurer's obligations.

  • 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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