Best Life Insurance Companies in Kentucky

A & I Insurance and Retirement is an independent, family-owned company representing various providers to serve the insurance needs of the people of Kentucky. Its owner, David Brien, focuses on providing health and life coverage to financially secure the families of clients in the event of illness or untimely death. Among the carriers that the company works with are Humana, Blue Cross, Blue Shield, Aetna, and Safeco. It also offers other products, such as home and auto insurance.

Since 1974, ACL Insurance Kentucky has been connecting clients to different Erie personal and commercial products. It offers term and permanent life insurance, including level-premium, whole, and universal life policies. Its agents recommend permanent insurance with cash value features, depending on the client's individual needs and preferences. The company has multiple agents on site to expedite the preparation of quotes and proposals. It also provides auto, homeowners', business property, workers' compensation, and general liability insurance.

Commonwealth Insurance Services offers Kentucky residents personal and commercial insurance products. The independent agency is owned by Peter Hutchins, who has been in the insurance industry for more than a decade. His team writes life insurance policies that cover final expenses, educational expenses, retirement savings, auto payments, and spousal support. Coverages are available in term life, universal life, and whole life policies. Commonwealth Insurance Services carries top-rated providers Liberty Mutual, United Home Insurance, and MetLife.

First Insurance Group USA caters to clients across Kentucky. The agency works with a variety of carriers—from Liberty Mutual and Safeco to Travelers and Kentucky Growers—to provide life insurance policies for individuals. It sets up different types of life plans, including permanent and term. The agency also deals with businesses and offers various financial products, including farm equipment and workers' compensation insurance. One of its team members, Patrick Lee, serves as a member of the Honorable Order of Kentucky Colonels.

Franklin Goins Insurance Agency helps clients in Kentucky identify and obtain the right coverage for their needs. The business provides individuals and families with various personal insurance options, such as home, life, and auto plans. Its agents also assist commercial clients in getting workers' compensation and business coverage. The agency aims to build a lasting relationship with its policyholders by customizing protection plans that meet their needs. The company's principal, Frank Goins, has been in the industry since 1989.

Haverstock Insurance has been offering a wide range of policies to clients in Kentucky for more than 125 years. Its life insurance options include a term of 10, 15, 20, or 30 years; and a permanent life insurance policy. The company also provides personal, farm, commercial, and church insurance packages. Haverstock partners with various insurance carriers, including American Commerce Insurance, Foremost Insurance Group, Grange Insurance, State Auto Insurance Companies, Travelers Insurance, and Progressive.

Louisville Kentucky Insurance is a locally owned independent insurance agency. It offers life insurance, which provides an estate for the survivors at the death of an insured person. The coverage may also finance charitable donations and pay estate taxes. Other insurance options include homeowners’, auto, and business coverage. The office works with different companies, allowing clients to shop for the right insurance plan for their specific needs. Louisville Kentucky Insurance carries policies from Progressive, Acuity, Zurich, and Midland National.

Neely & Wade Insurance Agency, LLC, is a full-service provider that caters to the Kentucky populace. It provides life and health insurance plans to financially protect clients' families and assets from financial difficulties in the event of their illness or death. Its team of professionals creates ways to obtain insurance coverage suited to each client's needs. One of its owners, Danny Neely, was awarded by Winchester/Clark County Chamber of Commerce' the 2018 Community Partner of the Year Award. His fellow owner, Ed Wade, is a Clearcreek Township Trustee.

Kentucky-based Nova Insurance Group assists families in preparing for their future through its various life insurance products, including universal life, whole life, and term life plans. Its advisors also offer coverages for assets that their clients value most, ranging from homes and cars to pets and rental properties. The company is a member of the Independent Insurance Agents of Kentucky. As an independent agency, it partners with carriers like Erie Insurance and United Home Insurance.

Owens Insurance Agency is a Kentucky-based company that has been in the industry since 1985. It provides life insurance programs to mitigate financial losses in case of the insurer's demise. It also offers auto, business, recreational vehicle, farm, and bond insurance program coverages with personalized customer service that can help assess which insurance program best suits the client's needs. Principal Curtis Owens is presently the Olive Hill Chamber of Commerce President. The agency has different office areas in Kentucky.

Since 2018, Real Good Group has been serving clients across Kentucky. The agency sets up life insurance policies for a variety of individuals—ranging from business owners and students to parents and homeowners—to help them provide financial protection for their loved ones. It educates them on policy term options. The agency also provides an auto insurance plan that allows policyholders to cover costs related to property damage liability. Real Good Group supports various non-profit organizations, including the Woodhill Community Center and Ronald McDonald House Charities.

Since 1974, Reynolds Insurance Agency, Inc. has been serving clients throughout Kentucky. It sets up life policies that assist individuals facing expenses like debt. The agency has experience preparing life insurance products for stay-at-home parents. It also provides other personal insurance plans, including renters' and homeowners'. Paul Reynolds, its president and owner, is a member of Berea Chamber of Commerce's Hall of Fame. He is a former board of directors member at the Madison County Home Builders Association.

Signature Insurance Group is an independent agency that works with individuals, families, and business owners in Kentucky and the surrounding locations. Its team offers different types of personal protection plans and helps clients obtain life insurance. The company customizes coverages to secure beneficiaries' financial status in case of policyholders' unexpected death. It also processes homeowners', renters', condominium, automobile, and umbrella insurance policies. In addition, Signature Insurance Group provides BOP, workers' compensation, professional liability, and contractors' insurance.

Western Kentucky Insurance serves the locals in the metro. The Mayfield-based agency offers term and whole life insurance, with the latter divided into three options: traditional whole, universal, and variable universal. Its team of agents helps clients choose the policies that best fulfill their needs and goals. They also provide other insurance lines that cover farms, auto, and homes. Western Kentucky Insurance works with carriers such as Safeco Insurance, Liberty Mutual, United Home, Foremost, and Progressive.