Expertise.com Homepage

2024

Last updated:

Best Life Insurance Companies in West Virginia

Our Recommended Top 11

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 West Virginia 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.

78300Reviewed

46984Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

West Virginia

Expertise.com Rating

Review Sources

Google
4.2 (31)

Why choose this provider?

Appalachian Insurance is a full-service agency offering multi-line products to individuals in West Virginia and their families. Its team of professionals finds and designs life insurance plans with coverage that meets clients' short-term or long-term goals. The team provides temporary or permanent life insurance options and guides clients in the decision-making process. Additionally, these professionals personalize services by simplifying the enrollment process and assessing individual needs. The agency has been serving the community since 1982.

  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Facebook
5.0 (27)
Google
4.6 (19)

Why choose this provider?

West Virginia Insurance Agency caters to clients throughout the state. It works with carriers like Dairyland, Progressive, and Westfield to deliver life insurance products to individuals. It sets up universal, whole, or term life policies that cover various costs, including funeral expenses and mortgage payments. It also provides plans that help clients manage a range of costs related to long-term care, from daycare services to nursing home bills. The agency's team has over 30 years of combined experience in the insurance industry.

  • Term Life Insurance
  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Google
4.8 (73)
Facebook
4.8 (17)

Why choose this provider?

Davis Insurance Group serves residents of West Virginia who need life assurance coverage. The products include term, whole life, and universal plans that protect against incurable medical conditions and provide for college funds and family needs. Commercial and personal products are available, and the agency has contracts aimed specifically at agricultural clients. Davis Insurance Group is helmed by principal Tyler Davis who holds a commercial lines specialist designation and who transitioned to the indemnity industry from the sports sector.

  • Term Life Insurance
  • Whole Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Google
4.7 (62)

Why choose this provider?

Wolfe Furner Insurance strives to meet the protection needs of families and individuals in the West Virginia area. Its team of agents finds insurance products that provide coverage for auto, home, health, and life. Additionally, these agents guide clients in securing insurance plans for commercial liability, rental properties, and business coverage. By working with 15 different insurance carriers, they search for rates that suit various needs. The team has been serving the community for more than 30 years.

  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Google
4.4 (17)
Facebook
5.0 (12)

Why choose this provider?

Headquartered in West Virginia, Loudin Insurance provides a number of policies for individuals, homeowners, entrepreneurs, and farmers. One of its insurance products is life and health coverage, which gives death benefits and protects the insured from shouldering the hospital bills by themselves. This multi-line agency has been serving the residents of the state for over a century. Loudin Insurance has established partnerships with multiple companies, including East Central AAA, Aegis Insurance, American Modern, and Foremost Insurance Group.

  • Health Insurance
  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Google
4.8 (52)
Facebook
5.0 (4)

Why choose this provider?

Biggs Insurance Agency caters to individuals, families, and businesses in West Virginia. It provides different types of life insurance, including whole, universal, and term. The local independent firm also offers long-term care, Medicare Supplement, individual health, and umbrella plans. In addition, it handles personal policies for condominium units, rental properties, mobile and secondary homes, autos, and valuable possessions. Biggs Insurance Agency was established in 2001. Its team of professionals has over five decades of collective industry experience.

  • Health Insurance
  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Google
4.7 (20)
Facebook
4.3 (7)

Why choose this provider?

Dick Moore Insurance Agency caters to the people of West Virginia. It assists clients who want to enroll in a life insurance policy to safeguard the future of their loved ones. The agency's representatives consult with clients to ascertain if a term, whole, or universal life policy best meets their needs. They also offer protection plans for valuable assets, like houses, cars, and businesses. The team employs a proactive approach to strategy development to help its clientele address their unique and individual coverage needs.

  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Google
4.8 (24)
Facebook
5.0 (9)

Why choose this provider?

Mountaineer Insurance Services Inc. is an independent agency serving customers throughout West Virginia. Its experts provide life insurance plans that render financial security for clients' loved ones. Its life insurance policies enable the family to maintain their standard of living in the event of death by paying for funeral expenses, paying off debts, and covering other expenses. The company's other insurance programs cover automobiles, homes, businesses, health, and pets. President Jonathan Kyle is the past president and current treasurer of the Tygart Valley Lions Club.

  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
4.6 (14)

Why choose this provider?

Parrack Insurance Associates is an independent agency that provides risk management solutions in West Virginia. Its team processes a wide selection of personal protection plans, including life insurance. The company creates personalized coverage to help individuals and families prevent monetary losses in case of unexpected death. It also crafts policies for cars, motorcycles, boats, and toys. Parrack Insurance Associates represents various carriers, such as Travelers, Progressive, and Zurich. One of its owners, Jon Parrack, brings over 35 years of industry experience.

  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Google
4.8 (17)

Why choose this provider?

Hank Ellis Insurance Agency provides risk management solutions for the residents of West Virginia. It offers individual term and permanent life insurance policies to provide financial security for beneficiaries, as well as tax-deferred savings and estate planning benefits. The family-owned and family-operated agency also provides insurance products for automobiles, homes, and businesses from various carriers, such as Erie Insurance, Assurant, and Dairyland. One of its owners, Franklin J. Ellis, has more than 20 years of industry experience.

  • Health Insurance
  • Life Insurance

West Virginia

Expertise.com Rating

Review Sources

Google
4.8 (27)
Facebook
5.0 (19)

Why choose this provider?

Ashley Insurance delivers life policies for clients in West Virginia. The selections include term, whole, and universal life insurance plans fit for individuals. Personal catastrophe liability coverage is an option, and the agency also has business asset condominium owners' programs. The company offers products from names such as Erie Insurance, Hagerty, and Progressive. Ashley Insurance is a family-centered and independent small business that has been operating since 1983. Its CEO is Suzette Raines Ashley who supports the American Cancer Society.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Appalachian Insurance
583 Canterbury Drive, West Virginia, WV 25801
West Virginia Insurance Agency
130 Brookshire Lane, West Virginia, WV 25801
Davis Insurance Group
179 Holland Avenue, West Virginia, WV 26501
Wolfe Furner Insurance
124 A South Oak Street, West Virginia, WV 26301
Loudin Insurance
207 S Kanawha St., West Virginia, WV 26201
Biggs Insurance Agency
1509 Main Street E, West Virginia, WV 25901
Dick Moore Insurance Agency
613 Fairmont Avenue, West Virginia, WV 26554
Mountaineer Insurance Services Inc.
3154 Seneca Trail, West Virginia, WV 26253
Parrack Insurance Associates
1301 Harrison Ave, West Virginia, WV 26241
Hank Ellis Insurance Agency
4 Northridge Drive Suite 112, West Virginia, WV 26201
Ashley Insurance
223 Main Street, West Virginia, WV 25276

FAQs

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...