Expertise.com

Best Life Insurance Companies in Lexington

2023

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Website
220 Lexington Green Cir Ste 130, Lexington, KY 40503

Why choose this provider?

Summit Insurance Group LLC is an independent life insurance company in Lexington. The company specializes in selling several types of personal insurance, including life. Policies are underwritten by Erie Insurance, which has been serving customers in the area since 1925. Agents work directly with customers to build a life insurance policy that adequately covers their expenses and provides for the family in the event of their death. Other insurance products include auto, home, and business policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (22)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
773 Lane Allen Road, Lexington, KY 40504
  • Life Insurance

Why choose this provider?

Gray Insurance is a locally owned and operated company that has been catering to clients in Lexington for over 40 years. Its agents craft life insurance policies for individuals who are looking to leave death benefits to their family and loved ones. The coverage may be term or permanent. The agency also accommodates universal, final expense, survivorship, variable, and whole life insurance types. Other plans offered are auto, home, business, motorcycle, boat, and pet insurance.

License Verified:

License: 329938

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.3 / 5 (6)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3130 Custer Dr Ste 280, Lexington, KY 40517

Why choose this provider?

Rogers All In One Insurance Agency is a full-service agency that serves clients in the Lexington area. The company represents multiple insurance providers and offers a broad range of coverage options, including life and health insurance policies for both individuals and groups. Other insurance products include home, rental, and auto insurance. Additionally, Rogers All In One Insurance Agency offers commercial insurance solutions such as business liability and commercial auto policies, as well as workers' compensation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Yelp
5.0 / 5 (22)
Facebook
4.8 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1001 Monarch Street, Ste 100, Lexington, KY 40513
  • Life Insurance
  • Health Insurance

Why choose this provider?

Nicholson Insurance Agency, Inc., is a privately held business that has been serving clients in Lexington and the neighboring areas since 1993. It offers term life insurance policies that meet temporary needs and permanent life insurance plans for lifelong protection. It also provides health insurance programs, which include fee-for-service and managed care. In addition, the agency customizes auto, farm, equine, and homeowners' insurance options. Business insurance solutions, such as workers' compensation, general liability, and commercial auto insurance, are available.

License Verified:

License: 7223346

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
1066 Wellington Way, Lexington, KY 40513

Why choose this provider?

Greater Lexington Insurance Agency offers insurance solutions to clients in Lexington. The agency enables clients to make knowledge-based decisions by presenting them with insurance options that are fit for their needs. It works with different insurance companies that provide coverage for life, business, home, medical, and auto insurance. Aside from these, the agency also represents insurance companies with more specific coverage for unique needs like weddings, pets, contractors, and builders' risk.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (39)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
3306 Clays Mill Rd Ste 104, Lexington, KY 40503
  • Life Insurance

Why choose this provider?

Mayne Insurance Agency has been serving individuals and families in Lexington and nearby areas for over a decade. The company offers a wide selection of products, including life, auto, and homeowners' insurance. Its life insurance policy includes term and whole life coverage, designed to provide financial support to the client's loved ones. It also serves commercial clients, providing general liability coverage. One of its associates, Debbie McVeigh, started her insurance career in 1997 as the manager for Direct Insurance.

License Verified:

License: 906396

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.8 / 5 (23)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2201 Regency Re, Ste 701, Lexington, KY 40503
  • Term Life Insurance

Why choose this provider?

Real Good Group provides a range of financial investment products and services in the Lexington metro and nearby communities. Catering to families and individuals, the independent company offers life insurance plans to protect policyholders and their families from financial losses caused by sudden death, mortgages, and college costs. Its team also assists clients in obtaining homeowners', auto, umbrella, real estate investors', and contractors' insurance. Founded in 2018, Real Good Group has served more than 1,900 customers.

License Verified:

License: 981194

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (340)
Facebook
4.9 / 5 (49)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
80 Codell Drive STE # 120, Lexington, KY 40509
  • Life Insurance

Why choose this provider?

Since 2009, Strong Insurance has been offering a variety of policies to clients in the Lexington area. Its life insurance protects beneficiaries upon the policyholder's death. The plan provides payouts for outstanding debts, funeral costs, and future expenses like college tuition. The firm also offers insurance for autos, homes, and rental properties, along with commercial policies to cover general liability, cybercrime, and workers' compensation. Its team has more than 50 years of combined experience in the industry.

License Verified:

License: 313282

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
107 Dennis Drive, Lexington, KY 40503
  • Life Insurance
  • Health Insurance

Why choose this provider?

Baker Insurance Group safeguards the future and assets of commercial and residential clients in Lexington and the surrounding areas. Its team of independent agents offers a variety of insurance products that include life, vehicle, house, and business insurance. In addition, the company offers other insurance products such as health, pet, bonds, and workers' compensation. One of its agents, Paul V. Baker III, started his insurance career in 2003. Baker Insurance Group was established in 2015.

License Verified:

License: 873852

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
185 Pasadena Dr Suite 235, Lexington, KY 40503
  • Life Insurance

Why choose this provider?

McGuire Insurance Agency has diverse coverage solutions for individuals and businesses in Lexington. Its life insurance options are individual life, group life, long-term care, and mortgage protection. In addition, it provides disability, second-to-die policy, and key person coverages. McGuire Insurance Agency primarily offers commercial insurance products for small businesses. Its agents assist clients in finding policies suitable for specific industries and for their employees. The company's providers include Liberty Mutual, Safeco Insurance, Hagerty, Progressive, and American Modern.

License Verified:

License: 502147

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Facebook
4.5 / 5 (19)
Google
4.3 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3061 Fieldstone Way Ste 300, Lexington, KY 40513

Why choose this provider?

Bray and Oakley Insurance Agency is an Erie Insurance agent. This health insurance company in Lexington is fully independent and provides a broad range of insurance solutions, including health and life insurance policies. The company's agents are dedicated to helping clients select a quality insurance policy that adequately meets their needs in the event of an unexpected medical emergency or death. Other products offered by Brey and Oakley Insurance Agency include auto and homeowners' insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.9 / 5 (114)
Google
4.9 / 5 (83)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
80 Codell Dr 260, Lexington, KY 40509
  • Life Insurance
  • Health Insurance

Why choose this provider?

Thoroughbred Insurance Services is an independent agency that caters to clients in Lexington and the surrounding areas. It helps customers protect their families financially in the event of their passing by providing them with a wide range of life insurance coverages, including term, whole, and universal. The company also offers auto, renters', homeowners', and RV insurance products. Thoroughbred Insurance Services partners with carriers like Liberty Mutual, MetLife, Progressive, CNA, and Dairyland to find the policy that meets its clients' needs.

License Verified:

License: 929815

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (166)
Facebook
5.0 / 5 (44)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1010 Monarch Street, Suite 220, Lexington, KY 40513
  • Life Insurance
  • Individual Plans
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

The MPM Group, LLC, serves its clients from its "Heart of the Bluegrass" location in Lexington. The company offers a variety of life insurance options. To determine which of the available plans like level term, universal, and whole life products meet the financial needs of families, its agents assess the circumstances and capability of individual consumers. Long-term care and disability, as well as accidental death and dismemberment choices, are also available. In addition, they offer voluntary benefit plans for small to large groups.

License Verified:

License: 7307352

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Facebook
5.0 / 5 (4)
Google
4.5 / 5 (2)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
343 Waller Avenue, Lexington, KY 40504
  • Life Insurance

Why choose this provider?

Al Torstrick Insurance Agency, Inc., offers life insurance to clients in Lexington. It offers three types of life insurance policies, including term life insurance, whole life insurance, and universal life insurance. To deliver insurance policies that suit the needs of clients, it has formed partnerships with several insurance companies that include AccidentFund, Keystone Insurers Group, and Progressive. Albert J. Torstrick, Jr., founded the insurance agency in 1962. It has been independently owned for 50 years. Ali Torstrick Johnson currently serves as company president.

License Verified:

License: 400026

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.0 / 5 (13)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
P.O Box 8451, Lexington, KY 40533
  • Health Insurance

Why choose this provider?

Caroline B. Jackson Inc. serves individuals and businesses in Lexington and nearby areas. The company works with clients to avail of protection programs and suggests insurance products that meet their needs and budgets. It offers health insurance plans such as HMO, EPO, POS, and PPO. It also provides catastrophic health insurance and high-deductible health coverage. Medicare supplement insurance is also available. Caroline B. Jackson Inc. has access to insurance products from carriers such as UnitedHealthcare, Mutual of Omaha, and Aetna.

License Verified:

License: 398521

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3131 Custer Dr. Unit 7, Lexington, KY 40517
  • Life Insurance
  • Individual Plans

Why choose this provider?

The Signature Insurance Group caters to clients within Lexington and the surrounding areas. It provides a variety of family and personal products, including life, home, and umbrella insurance plans. Its proactive approach focuses on delegating account managers that communicate with clients and provide comprehensive advice on their options. Its business-related insurance includes coverage for commercial autos, contractors, and business owners, as well as professional liability and workers' compensation. Signature Insurance is partnered with carriers such as Amtrust, Metlife, Liberty Mutual, and The Hartford.

License Verified:

License: 1113542

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (42)
Facebook
5.0 / 5 (22)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1500 Leestown Road Suite 160, Lexington, KY 40511
  • Life Insurance
  • Individual Plans

Why choose this provider?

Integrity Insurance Group is an independent agency that provides clients in Lexington and neighboring areas with a variety of insurance solutions. It offers a selection of financial protection plans, including individual term, whole, and universal life insurance. Other plans available include home, auto, special event, and travel insurance. The agency helps clients in selecting the insurance policy appropriate for their needs. Integrity Insurance Group has access to leading insurance companies like Erie Insurance and Progressive.

License Verified:

License: 1087751

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (10)
Facebook
5.0 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1795 Alysheba Way #1103, Lexington, KY 40509
  • Life Insurance
  • Home and Auto Insurance

Why choose this provider?

Brooke Whalen Insurance is a local agency that offers products and services in the Lexington metro. It helps families and individuals acquire personal lines of insurance, including life insurance policies. The company provides universal, whole, and term coverages, which protect policyholders from monetary losses caused by mortgages and funeral expenses. It accommodates clients who want to obtain home, earthquake, auto, and umbrella insurance. Owner Brooke Whalen established the firm in 2015. She gives back to the community by supporting the Alzheimer’s Association and March of Dimes.

License Verified:

License: 890252

Kentucky Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (100)
Facebook
5.0 / 5 (35)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2560 Richmond Road, Suite 200, Lexington, KY 40509
  • Life Insurance
  • Individual Plans

Why choose this provider?

Blue Grass Insurance Agency provides products and services that protect the future of clients in Lexington and the surrounding areas. It offers a variety of options for insurance, including life, home, business, and auto. It also provides farm insurance. It represents multiple carriers that include AIG, ClearPath Mutual, Foremost Insurance Group, and Kemper PReferred. The agency's president, Scott D. Pippen, has served the Kentucky Independent Agents Association. He has been running Blue Grass Insurance Agency for almost 40 years.

License Verified:

License: 398208

Kentucky Department of Insurance

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • What is the difference in Lexington between life insurance and disability insurance?

    The difference in Lexington between life insurance and disability insurance lies in the risk protected against. Life insurance protects against the chance that the insured will die and leave the beneficiaries without love and support. Disability insurance guards against the risk that the insured will be disabled and unable to provide support even if alive.

  • What factors significantly influence the cost of life insurance in Lexington?

    In Lexington, life and health are the biggest factors that affect the price of the premiums due. Insurers are reluctant to insure people who will die before they have paid enough premiums since it raises the odds of releasing money before recouping the cost of the policy. Hence insurers would rather insure the young and healthy.

  • How is life insurance useful as an income-generation tool in Lexington?

    Dependents in Lexington may use life insurance to generate income once the insured dies. Similar to the estate planning use of life insurance, beneficiaries will receive the proceeds of the policy once the insured passes, and this cash may be used for various purposes, like paying debts, taxes, and living costs.

  • Is it a good idea to get whole life insurance policies in Lexington if the insured wishes to support the higher learning of a spouse?

    It may be better in Lexington to get a term life plan if the goal is to support the higher learning of a spouse. The partner will not be studying forever and the assurance coverage does not have to extend beyond the graduation date plus whenever the student loans are paid.

  • In Lexington, how many beneficiaries can there be in a single life insurance policy?

    In Lexington, there may be multiple beneficiaries to a single life insurance policy, though their respective shares would have to be divided between them. The naming of multiple beneficiaries is usually done by estate planners to avoid probate since insurance proceeds do not need to pass through the court.

  • 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.