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2024

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Best Life Insurance Companies in Virginia Beach, VA

Our Recommended Top 20

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

19228Reviewed

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20Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

347 S Witchduck Rd, Virginia Beach, VA 23462

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Benefit Plans Inc. is an all-woman owned and operated insurance agency that has provided personal and business insurance solutions since 1974. The independent insurance agency assists individuals and companies interested in group plans for their employees with finding the health and life insurance coverage they require. Its agents assess each situation to ensure their clients receive benefits tailored to their needs. Working with a variety of top-level carriers, Benefit Plans provides major medical policies, including HMOs, PPOs, FSAs, and POSs in addition to supplemental plans, such as Medicare, dental, and vision. The company also offers a range of life insurance products and annuities customized to protect individuals, families, and assets.

2929 Sabre Street, Virginia Beach, VA 23452

Expertise.com Rating

Review Sources

Google
5.0 (1162)
Facebook
4.9 (18)
Yelp
4.5 (13)

Why choose this provider?

Prosper Insurance offers various insurance programs for individuals and businesses in Virginia Beach. Opened in 2007, the company partners with more than 30 insurance carriers. For individuals, it provides life, homeowners, automobile, renters, personal watercraft, and umbrella insurance. It offers businesses coverage in cyber-liability and business compromise as well as in professional liability, errors, and omissions. It also protects businesses via coverage involving employment practices, workers' compensation, commercial auto and fleet, property and flood, and mobile equipment.

4664 South Blvd, Virginia Beach, VA 23452
WebsiteLicense: 100017

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
5.0 (1)

Why choose this provider?

Choice Insurance Agency provides residential and commercial clientele in the Virginia Beach area with insurance products. These products range from term and whole life insurance to health insurance plans tailored for businesses of different sizes. With over 50 years of combined industry experience, its insurance professionals work with clients to assist them in understanding their options and help them find coverage plans suited to their needs. The Business Magazine of Coastal Virginia named the agency as Best Life Insurance Provider in 2021.

  • Life Insurance
  • Health Insurance

4968 Euclid Road, Virginia Beach, VA 23462
WebsiteLicense: 131894

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Review Sources

Google
5.0 (4)
Facebook
3.0 (1)

Why choose this provider?

Cheeks Insurance Agency, LLC, is a Virginia Beach-based insurance agency that provides insurance solutions and products to clients throughout the metro area. It provides whole life and term life insurance with terms ranging from 10, 20, and 30 years. It also offers other coverage needs, such as home, business, and auto insurance. The firm accommodates clients who have questions about their policies and want to review their current plans. Cheeks Insurance Agency has more than eight years of experience in the industry.

  • Life Insurance

2208 Welbeck Lane, Virginia Beach, VA 23456
WebsiteLicense: 104594

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Review Sources

Google
5.0 (18)
Facebook
5.0 (4)

Why choose this provider?

Insurance Strategies The Cooksey Agency is an independent and multi-line company that helps families, individuals, and businesses in Virginia Beach and the surrounding communities. The business specializes in personal insurance products that include auto, disability, life, flood, and dental. Its services range from death benefit protection to retirement planning strategies. Insurance Strategies The Cooksey Agency also offers commercial insurance products that cover BOP, restaurants, and general liability. In addition, the firm's agents create strategies tailored to the customers' goals and needs.

  • Individual Plans
  • Life Insurance

291 Independence Blvd Ste 123, Virginia Beach, VA 23462

Expertise.com Rating

Why choose this provider?

Spencer Financial Services Inc. provides comprehensive strategies to help clients achieve their financial goals. Principal Michael Spencer has worked in the financial profession for more than 30 years. He recommends that his clients include life insurance and annuities in their portfolios to provide for their futures and protect family and assets. As an independent insurance agency, Spencer Financial Services works with a network of top-rated carriers, many of which have built-in riders for leveraging long-term care benefits from life insurance policies. The company also works with individuals who require supplementing their retirement income with regular annuity payments. Mr. Spencer offers products tailored to meet his clients' needs.

575 Lynnhaven Parkway, Virginia Beach, VA 23452
WebsiteLicense: 806891

Expertise.com Rating

Why choose this provider?

Angela Utter Gauthier is an insurance agent who owns Inspire You Agency that serves Virginia Beach and the nearby areas. She offers life insurance products such as term life, whole life, and universal life policies that help clients build tax-free or tax-deferred income for themselves or their beneficiaries. Angela has been a financial advisor for more than a decade now, and she specializes in helping health care professionals. Angela is married to the love of her life, David, and they have 2 wonderful children and a dog.

  • Life Insurance

300 25th Street, Virginia Beach, VA 23451
WebsiteLicense: 108156

Expertise.com Rating

Review Sources

Facebook
5.0 (11)
Google
5.0 (2)

Why choose this provider?

Connie Phillips Insurance is an independent agency serving individuals and families in the Virginia Beach community. The company has been in the industry for over 36 years, providing life insurance policies to clients looking for term or whole life coverage. Its agents also offer health, disability, auto, home, personal umbrella, and business plans. In 2020, the company received the Business Partner of the Year Award from SEVA-CAI. Its staff members can communicate in Spanish.

  • Life Insurance

575 Lynnhaven Pkwy Ste 280A, Virginia Beach, VA 23452

Expertise.com Rating

Review Sources

Facebook
5.0 (30)

Why choose this provider?

Angela Utter Gauthier is the executive vice president for the Inspire You Agency, a division of Five Rings Financial. Gauthier has consulted with clients regarding their financial and retirement planning solutions since 2011 and with 5RF since 2013. Her agency primarily works with high achieving professionals and their families by providing tax free retirement and living benefit life insurance.

911 First Colonial Rd Ste 100, Virginia Beach, VA 23454

Expertise.com Rating

Why choose this provider?

Legacy Planning Alliance Inc. has helped its clients navigate the complexities of financial planning to achieve their goals since 1989. The independent life insurance company in Virginia Beach represents a select group of top carriers to provide the most comprehensive products for their clients. Its agents consult with individuals and assess their current and potential earnings, debts, familial responsibilities, and assets before making recommendations for a life insurance plan. They advise on term, whole, and universal products as well as annuities, tailored to meet their clients' needs. Legacy Planning Alliance also offers a variety of health insurance policies as well as supplements, such as long-term care and disability.

300 Southport Circle, Virginia Beach, VA 23452
WebsiteLicense: 2750768

Expertise.com Rating

Review Sources

Google
4.5 (28)

Why choose this provider?

Beskin-Divers Insurance Group Inc. has been serving Virginia Beach since 1974. It offers whole and term individual life insurance options from various carriers such as Metlife, Progressive, and Safeco. The agency provides company owners with policies for its employees and key persons to business operations. Disability, long-term care, and mortgage protection coverages are also available to relieve the financial burden of those left behind. Beskin-Divers has given community support to United Way and Children's Hospital of The King's Daughters.

  • Life Insurance

3617 Dam Neck Road, Virginia Beach, VA 23453
WebsiteLicense: 110404

Expertise.com Rating

Review Sources

Google
4.0 (63)
Facebook
4.0 (9)
Yelp
5.0 (1)

Why choose this provider?

Sharon Lynch is an insurance agent partnered with State Farm that serves the residents of Virginia Beach and the surrounding areas. She offers life insurance products, including term life, whole life, and universal life policies. She also offers auto, home, health, and property insurance. She has a team of agents that speak multiple languages like Tagalog, Spanish, and English. Business owners can also connect with Sharon and her team to get commercial auto, workers' compensation, and liability umbrella coverage.

  • Life Insurance
  • Health Insurance

921 First Colonial Road, Virginia Beach, VA 23454

Expertise.com Rating

Review Sources

Google
4.9 (28)

Why choose this provider?

Toby Leffel Insurance Agency serves the Virginia Beach metro area and assists clients with a multitude of life and health insurance needs. This agency has been in business since 1982 and consults clients to determine their goals and recommend insurance plans that best cover their liabilities. Toby Leffel Insurance Agency can also assist clients with policies for property insurance, auto insurance, or business insurance. Full client services are available for those facing issues with their policies.

4870 Haygood Road, Virginia Beach, VA 23455
WebsiteLicense: 146308

Expertise.com Rating

Review Sources

Google
4.8 (31)

Why choose this provider?

Matt Roenker Insurance Agency is a family-owned insurance firm that serves families and individuals in the Virginia Beach area. It offers personalized life insurance policies, such as term life and whole life, to help clients prepare for unexpected occurrences or life-changing events in the future. The company also provides risk protection packages for annuities, automobiles, homeowners, and recreational vehicles. The company has been in operation since 1969. It aims to offer services with hands-on and knowledgeable strategies.

  • Life Insurance

2052 South Independence Boulevard, Virginia Beach, VA 23453
WebsiteLicense: 133440

Expertise.com Rating

Review Sources

Google
5.0 (34)
Facebook
5.0 (12)
Yelp
3.0 (2)

Why choose this provider?

Paula Faivre is an insurance agent with more than 29 years of service in the industry. She provides auto insurance, homeowners insurance, business insurance, and property insurance to clients in Virginia Beach. In addition, she assists clients in looking for life insurance, health insurance, and pet insurance. Paula Faivre is affiliated with State Farm Life Insurance Company, State Farm Life and Accident Assurance Company, and American Pet Insurance Company. Aside from insurances, Paula Faivre offers banking, mutual funds, and annuities.

  • Life Insurance
  • Health Insurance

1248 Culver Lane, Virginia Beach, VA 23454

Expertise.com Rating

Review Sources

Google
4.9 (31)
Yelp
3.5 (2)
Facebook
2.8 (1)

Why choose this provider?

Bunn Insurance Agency sells life insurance coverage that enables clients to provision for their final expenses and any after-life costs and family needs. It consults clients on their life circumstances and offers policy terms that best satisfy their coverage needs and protect their families from significant financial losses. Bunn Insurance Agency also offers long-term care coverage in case clients become severely disabled. This agency insures properties, automobiles, and businesses as well.

633 Independence Boulevard, Virginia Beach, VA 23462

Expertise.com Rating

Review Sources

Google
4.8 (18)
Yelp
4.5 (11)
Facebook
4.0 (2)

Why choose this provider?

Hampton Roads Insurance Service offers insurance products and services to clients in the Virginia Beach metro area. This company offers many types of insurance plans for health, life, disability, and automobile claims. It also offers a variety of products through its affiliation with Progressive. Homeowners' insurance programs are available through this agency to protect both the structure and possessions inside. FR 44 insurance and SR 22 insurance plans are available as well.

2020 General Booth Blvd. Suite 200, Virginia Beach, VA 23454
WebsiteLicense: 137494

Expertise.com Rating

Review Sources

Facebook
4.9 (44)
Google
5.0 (11)

Why choose this provider?

Quality Insurance Partners provides services to clients in Virginia Beach and the surrounding areas. The locally owned company offers personal coverage plans, including life, auto, and property insurance. Its staff handles protection policies for long-term care and annuities. Other offerings include homeowner insurance, landlord protection, umbrella policy, flood damage protection, and classic car insurance. The firm is also available for business needs, such as professional liability, commercial umbrella, general liability, and worker compensation.

  • Life Insurance

280 Mustang Trail, Virginia Beach, VA 23452
WebsiteLicense: 143017

Expertise.com Rating

Why choose this provider?

Bembridge Insurance is an agency that has been serving Virginia Beach and its surrounding communities since 1999. It helps individuals and families in safeguarding their futures by providing term, permanent, whole, and universal life insurance. Its team of professionals assesses the needs of clients through different factors, such as their financial situation or recent life events. The coverages include childcare, long-term educational expenses, and funeral and burial costs. The agency also offers auto, business, and homeowners' insurance.

  • Life Insurance

141 Business Park Drive, Virginia Beach, VA 23462

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
3.7 (3)

Why choose this provider?

Founded in 1961, Ware Insurance offers clients personal and business insurance options in the Virginia Beach area. The company provides life and health insurance coverage, including individual disability, association health plans, ancillary benefits, and business overhead protection, in addition to group medical, vision, dental, and life insurance. A risk management approach helps clients understand what coverage is right for them, and customized options are available. Industries insured include retail, professional services, agriculture, and construction. Other services include claims management and bonding.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Benefit Plans, Inc.
347 S Witchduck Rd, Virginia Beach, VA 23462
Prosper Insurance
2929 Sabre Street, Virginia Beach, VA 23452
Choice Insurance Agency
4664 South Blvd, Virginia Beach, VA 23452
Cheeks Insurance Agency, LLC
4968 Euclid Road, Virginia Beach, VA 23462
Insurance Strategies The Cooksey Agency
2208 Welbeck Lane, Virginia Beach, VA 23456
Spencer Financial Services, Inc
291 Independence Blvd Ste 123, Virginia Beach, VA 23462
Angela Utter Gauthier
575 Lynnhaven Parkway, Virginia Beach, VA 23452
Connie Phillips Insurance
300 25th Street, Virginia Beach, VA 23451
Angela Gauthier
575 Lynnhaven Pkwy Ste 280A, Virginia Beach, VA 23452
Legacy Planning Alliance, Inc.
911 First Colonial Rd Ste 100, Virginia Beach, VA 23454
Beskin-Divers Insurance Group Inc.
300 Southport Circle, Virginia Beach, VA 23452
Sharon Lynch
3617 Dam Neck Road, Virginia Beach, VA 23453
Toby Leffel Insurance Agency
921 First Colonial Road, Virginia Beach, VA 23454
Matt Roenker Insurance Agency
4870 Haygood Road, Virginia Beach, VA 23455
Paula Faivre
2052 South Independence Boulevard, Virginia Beach, VA 23453
Bunn Insurance Agency
1248 Culver Lane, Virginia Beach, VA 23454
Hampton Roads Insurance Service
633 Independence Boulevard, Virginia Beach, VA 23462
Quality Insurance Partners
2020 General Booth Blvd. Suite 200, Virginia Beach, VA 23454
Bembridge Insurance
280 Mustang Trail, Virginia Beach, VA 23452
Ware Insurance
141 Business Park Drive, Virginia Beach, VA 23462

FAQs

  • Is it better in Virginia Beach to buy life insurance early in life or later when there are more savings?

    While a resident of Virginia Beach might have more money later in life, it is safer to buy life insurance early. When one is young, the premiums due on the plan are cheaper because being youthful lowers the odds of passing on. Older folk may have more disposable income, but their policies will be made more expensive due to the heightened odds of death.

  • Is it safe in Virginia Beach to stick to the life insurance policy provided by one's workplace?

    It is not safe in Virginia Beach to stick with the insurance policy given by one's employer because these plans are contingent upon the continued employment of the employee. Once the individual changes careers or jobs, the coverage ceases and there will be no death or living benefits due to the formerly insured’s beneficiaries.

  • Why do insurers in Virginia Beach sometimes require a medical exam even if one's medical history has been reviewed?

    Insurers in Virginia Beach sometimes require a medical exam even if underwriters have reviewed the applicant's medical history to make sure that there are no hidden health conditions that were missed in the initial doctors' report. IF there are, then premiums have to be raised accordingly.

  • What is the difference in Virginia Beach between term life insurance and universal plans?

    Term life insurance in Virginia Beach is a kind of life insurance policy that covers a limited time period in the insured person's life. Universal plans are a subset of permanent life insurance and cover the entirety of an individual's existence. The premiums payable are flexible as opposed to traditional whole-life plans where the payments are unchanging.

  • In Virginia Beach, what is a long-term care rider?

    A long-term care rider in Virginia Beach is an additional document or clause attached to an existing life insurance policy that grants added protections for individuals who need to cover care costs later in life. These provide added benefits for those who need to use some proceeds for personal care without waiting for death.

  • 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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