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Best Life Insurance Companies in West Virginia

Our Recommended Top 11

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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.

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11Top Picks

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Providers

featured provider = Featured Provider

Best Life Insurance Companies Serving West Virginia
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.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
West Virginia

Expertise.com Rating

Review Sources

Google
4.4 (17)

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

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
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

Best Life Insurance Companies Serving West Virginia
West Virginia

Expertise.com Rating

Review Sources

Facebook
5.0 (15)

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

Compare our Top Life Insurance Companies

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

West Virginia Life Insurance FAQs

  • What are the factors that affect the amount of your life insurance premiums in West Virginia?

    A West Virginia insurance provider considers a number of factors when providing you with a quote for a life insurance policy. These include your age and gender, as well as your health status, occupation, and specific details about your lifestyle. In some cases, you may be asked to undergo a medical examination so that they can accurately calculate a quote for you based on your risks and needs.

  • Should you continue paying your life insurance premiums in West Virginia if your provider goes out of business?

    Definitely. If your West Virginia life insurance provider is licensed in the state and becomes insolvent, your policy will be handled by the West Virginia Life & Health Insurance Guaranty Association. Your policy may also be endorsed to another member insurance company, requiring you to continue paying premiums in order to remain covered. If you stop paying your premiums, your coverage may be terminated.

  • Is there any way to check if the insurance company you are dealing with in West Virginia is legitimate?

    Yes, before you sign anything or write any checks, call the Offices of the Insurance Commissioner at 304-558-3386 to verify the legitimacy of the West Virginia insurance provider you are dealing with. To get a sense of their financial standing, you can look up the company's financial strength ratings on the websites of various rating agencies.

  • Will your West Virginia life insurance provider cancel your policy if you are late with paying premiums?

    No, your life insurance provider in West Virginia will not cancel your policy immediately just because you missed the deadline for paying your premium. You will be granted a four-week grace period to make the payment. During this time, your provider is not allowed to cancel or deny your policy.

  • How long does it take to receive a life insurance payout in West Virginia?

    West Virginia, unlike other states, does not require a specific time limit for the payout or settlement process, so the length of time for benefits to be provided varies greatly by insurance provider. Payments are typically made within a month of the insurance provider receiving proof of the insured's death.