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Best Life Insurance Companies in Roanoke, VA

Our Recommended Top 19

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

4136Reviewed

2489Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2840 Hershberger Road, Roanoke, VA 24017
WebsiteLicense: 103195

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (2)

Why choose this provider?

Muneris is an insurance agency that has been serving the Roanoke community since 1990. It offers term and permanent life insurance options that can serve as financial protection covering a wide range of variables, including final expenses, outstanding debts, estate liquidity, lifetime income to spouse or child, and mortgage. Different types of permanent insurance are also available, such as whole, universal, indexed universal, and single premium universal. The agency's president, Burman Clark, conducts creative discussions for employers and employees about Medicare solutions and healthcare reform.

  • Life Insurance
  • Health Insurance

2715 Brambleton Avenue, Roanoke, VA 24015
WebsiteLicense: 109282

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Review Sources

Google
4.0 (122)

Why choose this provider?

Banks Insurance Agency is an independent insurance company that serves clients in the Roanoke area. Since 1988, the company has provided life insurance, including term insurance ranging from a fixed-term plan to an annually renewable program. Likewise, the company also offers permanent life insurance, including retirement savings security and estate taxes coverage. Clients can also opt for auto, homeowners, and business insurance, with varying custom policies. Banks Insurance Agency partners with insurance providers like Progressive, Travelers, and Erie Insurance.

  • Life Insurance

7726 Williamson Road, Roanoke, VA 24019
WebsiteLicense: 563385

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Review Sources

Google
4.0 (10)
Facebook
3.0 (3)

Why choose this provider?

Marks-Tiller Insurance Agency is an independent insurance agency providing insurance plans and other products and services to clients in the Roanoke metro and surrounding communities. The company offers auto, life, home, and business insurance to individuals, their families, and businesses in the area. It also assists clients in terms of annuities. It is licensed to sell in Virginia, North Carolina, Tennessee, and West Virginia and is also licensed to sell flood insurance nationally since 1974.

  • Life Insurance

116 West Main Street, Roanoke, VA 24354
WebsiteLicense: 108707

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Review Sources

Google
4.0 (10)
Facebook
5.0 (8)

Why choose this provider?

Slemp Brandt Saunders Insurance Agency is an insurance service provider based in Marion serving clients in Roanoke, Bristol, Wytheville, and the surrounding areas. The agency offers a wide assortment of insurance plans for clients. It offers individual life insurance policies, including term, universal, and permanent life insurance coverage. It also provides return of premium term life policies. This independent insurance company has been serving the Southwest Virginia area since 1910. Its team of agents represents various insurance companies to provide clients flexible coverages and plans.

  • Life Insurance
  • Health Insurance

2415 Electric Road, Roanoke, VA 24018
WebsiteLicense: 631319

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Review Sources

Google
4.0 (17)

Why choose this provider?

Serving the community of Roanoke, Jeff Glick is a professional who helps clients protect the financial future of their families through life insurance plans. He offers clients a variety of life insurance options, including whole, universal, and term life insurance policies. He also provides assistance with auto, health, home, and renters' insurance needs. Jeff has been an insurance agent at State Farm since 1989. He is also a Little League coach and a Junior Achievement instructor.

  • Life Insurance
  • Health Insurance

2758 Electric Road, Cave Spring, VA 24018
WebsiteLicense: 139843

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Google
5.0 (558)
Facebook
5.0 (94)
Yelp
5.0 (1)

Why choose this provider?

Bill Meador Insurance Agency provides a diverse range of insurance products to clients in Roanoke and the surrounding areas. Bill, an insurance agent since 2005, established his own independent insurance agency in 2012. He and his team represent different carriers and offer insurance products that comprehensively cover client needs. Bill Meador Insurance Agency works with individuals and businesses with a focus on life, business, auto, home, and personal insurance. Bill is also a member of Roanoke Valley Business Professionals’ Organization.

  • Life Insurance

206 Williamson Road Southeast, Roanoke, VA 24011
WebsiteLicense: 138487

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Review Sources

Google
4.0 (15)

Why choose this provider?

Hawk Advisers is a Roanoke-based agency that offers life insurance and other personal lines of insurance. Created from the union of two local insurance agencies, the company represents more than 70 years of experience in the industry. As an independent agency, it sources its products from multiple providers. Aside from term and whole life insurance policies, the company offers annuities and specialty life insurance products like key-person insurance and buy-sell agreements. Hawk Advisers is a member of the Keystone Insurers Group.

  • Life Insurance
  • Individual Plans

5121 Starkey Road, Roanoke, VA 24018
WebsiteLicense: 112953

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Review Sources

Google
5.0 (6)
Facebook
5.0 (3)

Why choose this provider?

Don Hodson Insurance Associates, Inc., is an insurance company that has been serving individuals and businesses from Roanoke and the surrounding areas for almost two decades. It offers life insurance, as well as long-term care insurance, health insurance, Medicare insurance, and Medicaid insurance. Other personal insurance products that the company offers include homeowners', auto, and personal umbrella insurance. In addition, Don Hodson Insurance Associates also provides a wide range of commercial insurance options.

  • Life Insurance

3800 Electric Road, Cave Spring, VA 24018
WebsiteLicense: 560049

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
3.0 (2)

Why choose this provider?

Since its founding in 1851, Mass Mutual has provided financial services across the country. Headquartered in Springfield, the company offers life insurance in areas like Roanoke, covering several types including term life, universal life, and participating whole life insurance. Retirement plans, investment options, financial wellness services, and financial solutions for businesses are also provided. As a mutual company, members and participating policyholders share the company's ownership, employing a business model that has enabled the company to survive various crises throughout the century.

  • Life Insurance

30 East Clay Street, Salem, VA 24153
WebsiteLicense: 142366

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Review Sources

Google
5.0 (113)
Facebook
4.8 (24)

Why choose this provider?

Northpoint Insurance Advisors is an insurance agency that serves clients in Roanoke and the surrounding areas. It offers life insurance policies that include mortgage protection insurance, individual life insurance, and fixed annuities. The agency also provides insurance coverage for home, auto, business, health, and group. Northpoint Insurance Advisors leads a team with over 80 years of combined experience in the industry. As an independent agency, it partners with regional and national insurance carriers such as Travelers, Safeco Insurance, and Progressive.

  • Life Insurance
  • Health Insurance

4896 Hollins Road, Hollins, VA 24019
WebsiteLicense: 131629

Expertise.com Rating

Review Sources

Google
5.0 (7)
Facebook
5.0 (3)

Why choose this provider?

Norwinski Insurance Agency is a local insurance agency that offers various health and life insurance products in Roanoke. It provides individual life insurance, long-term care plans, dental insurance, disability coverage, and final expense insurance. Additionally, the agency also offers insurance products for vehicles, homes, and businesses. Established in 1994, Norwinski Insurance Agency has built long-term relationships with regional and national carriers. Some of its partner carriers are Alfa Insurance, Mutual of Omaha, National General, and Progressive.

  • Life Insurance
  • Individual Plans

3224 Peters Creek Road, Roanoke, VA 24019
WebsiteLicense: 110825

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
4.0 (4)

Why choose this provider?

Brogan Insurance is an independent company serving business owners, families, and individuals in the Roanoke metro. It helps clients acquire life insurance plans that may include universal, whole, and term life coverages. Additionally, the company offers fixed annuities, mortgage protection, and long-term care insurance. Its insurance specialists have access to various carriers, including Erie Insurance, Hagerty, Progressive, and Loudoun Mutual. Brogan Insurance is a second-generation family business that has been in the industry for 37 years.

  • Life Insurance

2975 Roanoke Road, Daleville, VA 24083
WebsiteLicense: 898865

Expertise.com Rating

Review Sources

Google
5.0 (51)
Facebook
5.0 (2)

Why choose this provider?

Brent Hershey is a life insurance agent who serves clients in Roanoke and nearby areas. He provides whole, universal, and term life insurance to ensure the security of the clients' loved ones. Aside from life insurance, he also offers insurance policies for health, homes, vehicles, businesses, properties, and even pets. Hershey has also been recognized by Roanoker Magazine in its list of 40 under 40 Young Professionals. He works with State Farm in delivering his services.

  • Life Insurance
  • Health Insurance

2847 Penn Forest Boulevard, Roanoke, VA 24018
WebsiteLicense: 128819

Expertise.com Rating

Review Sources

Google
4.0 (4)

Why choose this provider?

Headquartered in Roanoke, Valley Financial Solutions Inc. is an independent insurance agency that has provided insurance services to residents and businesses in the local metro for 12 years. It works with multiple carriers that allow it to offer various insurance options to its clients. It carries life insurance plans like term life, whole life, universal life, and variable life insurance. Barham, Stilwell & Associates, and Capital Financial Solutions merged in 2009 to form Valley Financial Solutions Inc.

  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

3214 Electric Road, Roanoke, VA 24018
WebsiteLicense: 140849

Expertise.com Rating

Review Sources

Google
4.0 (25)

Why choose this provider?

Betsy Thomas is an insurance agent at State Farm, servicing clients throughout the Roanoke area. She provides multiple insurance options for her clients, including life insurance, auto insurance, renters' insurance, and boat insurance. Besides these, she also helps clients with workers' compensation and business liability insurance. Working in the industry since 2001, Betsy has extensive experience on a variety of insurance options, helping her clients find the best option that suits them.

  • Life Insurance
  • Health Insurance

2670 Electric Road, Roanoke, VA 24018
WebsiteLicense: 136919

Expertise.com Rating

Why choose this provider?

Innovative Insurance Group is an independent agency serving individuals, families, and businesses in the Roanoke area. Its insurance professionals help clients who need assistance in purchasing life insurance products. Additionally, they provide other plans, including short-term health, long-term care, disability, and dental insurance. The company works with multiple insurance carriers such as Humana, Cigna, Optima Health, Aetna, and Anthem. Innovative Insurance Group gives back to the community by supporting various organizations like Roanoke County Schools Education Foundation and Children's Miracle Network.

  • Life Insurance
  • Health Insurance

58D Ridge Road, Troutville, VA 24175
WebsiteLicense: 125947

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

Founded in 2009, Our Insurance Options is an independent insurance agency that serves clients in Roanoke and the surrounding areas. The agency works with more than 15 insurance carriers, including AIC, Donegal Insurance Group, and The Travelers Companies. It provides an array of insurance options, including term, whole, and permanent life insurance as well as simplified life insurance. Auto, home, and umbrella insurance are also being offered. Our Insurance Options has offices in Troutville and Buchanan.

  • Life Insurance

5219 Peters Creek Road, Roanoke, VA 24019
WebsiteLicense: 111598

Expertise.com Rating

Review Sources

Google
4.0 (74)
Facebook
4.3 (6)

Why choose this provider?

Jill Hufford Insurance is an independent insurance agency in Virginia. The company has been serving Roanoke residents for over 40 years with a wide array of insurance policies, from life and health insurance to auto, renters', motorcycle, and boat insurance. Jill Hufford supports business owners with general liability and business insurance, helping companies mitigate legal liabilities, property damage, and other business-related risks. The company offers clients access to numerous insurance providers, including The Hartford, Progressive, and Trexis.

  • Life Insurance

1334 Roanoke Road, Daleville, VA 24083
WebsiteLicense: 136742

Expertise.com Rating

Review Sources

Google
5.0 (97)
Facebook
5.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Derek Wiley Agency, Inc., is an independent insurance company that has been serving Roanoke and its surrounding communities for over a decade. It offers a full range of life insurance products that cover final expenses, mortgage protection, and fixed annuities. Its team of agents also provides personalized services and gives clients flexible coverage options that suit their unique needs. Working with various insurance providers, the company has a roster of policies for automobiles, homes, and health, as well as other personal and commercial insurance products.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Muneris
2840 Hershberger Road, Roanoke, VA 24017
Banks Insurance Agency
2715 Brambleton Avenue, Roanoke, VA 24015
Marks-Tiller Insurance Agency
7726 Williamson Road, Roanoke, VA 24019
Slemp Brant Saunders Insurance Agency
116 West Main Street, Roanoke, VA 24354
Jeff Glick
2415 Electric Road, Roanoke, VA 24018
Bill Meador Insurance Agency
2758 Electric Road, Cave Spring, VA 24018
Hawk Advisers
206 Williamson Road Southeast, Roanoke, VA 24011
Don Hodson Insurance Associates, Inc.
5121 Starkey Road, Roanoke, VA 24018
Mass Mutual
3800 Electric Road, Cave Spring, VA 24018
Northpoint Insurance Advisors
30 East Clay Street, Salem, VA 24153
Norwinski Insurance Agency
4896 Hollins Road, Hollins, VA 24019
Brogan Insurance
3224 Peters Creek Road, Roanoke, VA 24019
Brent Hershey
2975 Roanoke Road, Daleville, VA 24083
Valley Financial Solutions
2847 Penn Forest Boulevard, Roanoke, VA 24018
Betsy Thomas
3214 Electric Road, Roanoke, VA 24018
Innovative Insurance Group
2670 Electric Road, Roanoke, VA 24018
Our Insurance Options
58D Ridge Road, Troutville, VA 24175
Jill Hufford Insurance
5219 Peters Creek Road, Roanoke, VA 24019
Derek Wiley Agency, Inc.
1334 Roanoke Road, Daleville, VA 24083

FAQs

  • Where can Roanoke residents turn to if they are having issues with their life insurance carriers?

    Residents of Roanoke with life insurance issues can seek assistance from the State Corporation Commission (SCC). For general inquiries, they should first contact their insurance agent or company. If the problem persists, they can contact the SCC at 804-371-9691 or visit their website. The SCC will appoint an insurance examiner to review complaints and ensure that Virginia insurance laws and policy provisions are followed. When regulatory authority is insufficient for resolution, they will share their findings and recommend next steps.

  • What rights do Roanoke residents have regarding life insurance according to Virginia laws?

    Residents of Roanoke have specific rights regarding life insurance under Virginia law. Insurance companies cannot discriminate unfairly in terms of rates or coverage. They must pay insurance claims on time and fairly. Furthermore, they cannot deny life insurance to military personnel based on their military status or duty assignments. Consumers also have access to certain information, including insurance companies' adverse underwriting decisions.

  • If a resident of Roanoke is considering life insurance, how do term life and permanent life insurance differ?

    In Roanoke, term life insurance provides coverage for a set period of time, such as 5 to 30 years, and is generally less expensive. If the policyholder outlives this period, they can renew, though the cost will most likely be higher due to aging. Permanent life insurance, on the other hand, provides coverage for a lifetime and requires consistent premium payments. Some people choose a combination of the two, ensuring lifetime coverage while remaining affordable.

  • How should a Roanoke resident approach the process of selecting beneficiaries for their policy?

    Individuals in Roanoke should choose their policy beneficiaries carefully, whether they are individuals or entities such as trusts or charities. Policyholders have the option of selecting multiple beneficiaries and must distribute the death benefit among them. It is recommended that these choices be reviewed on an annual basis. It's also critical to include contingent beneficiaries in case the primary ones die. Residents should consult their insurance agents for more information.

  • Do Roanoke residents need to undergo a physical exam to obtain life insurance?

    Not necessarily. Many Roanoke life insurance companies offer non-medical policies in which applicants answer questions on an application. However, if you have serious health issues, a terminal illness, or require a large coverage amount, the insurer may request a physical exam. If you do not take the exam, the company may refuse to issue you a policy. With few exceptions, insurers can reject applicants with pre-existing conditions, which are known medical conditions prior to applying for 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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