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Best Life Insurance Companies in Louisville

2024

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Providers

Last updated:

Website
9322 Taylorsville Rd Ste 4B, Louisville, KY 40299

Why choose this provider?

Fusting & Dugan Insurance LLC has been serving clients in the Louisville area since 1935. The company is dedicated to helping its clients shop a broad range of insurance solutions and its agents possess expertise in a variety of areas, including personal and group life and health benefits. Its offerings include Medicare Advantage and supplemental Medicare plans, disability insurance, long-term care insurance, health coverage, and life insurance, as well as personal and business solutions such as auto 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
Facebook
5.0 / 5 (3)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
211 Clover Ln Ste J, Louisville, KY 40207

Why choose this provider?

Foundation Insurance Group is a life insurance company in Louisville. The company offers business and personal insurance solutions, including group life benefits for employers and personal life insurance policies. Their options include child, individual, and key man life insurance policies, as well as long-term disability insurance. It also works with older adults to manage Medicare policies and helps them find Medicare supplement insurance that provides them with coverage for costs not covered by Original Medicare.Foundation is a leading provider of commercial business insurance across a wide array of industries including restaurants, construction, breweries and wineries, rental equipment, and more.

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.
4.0
Yelp
4.0 / 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
1313 Lyndon Lane, Louisville, KY 40222
  • Life Insurance

Why choose this provider?

Ditsler Insurance Agency LLC is a local business providing uniquely tailored coverage plans to customers in Louisville. It offers a variety of products such as life insurance, workers’ compensation, and general liability. The company also has policy options that cover personal and commercial autos as well as recreational vehicles. Its other available services include coverage for business owners and homeowners. Ditsler Insurance Agency LLC has more than 40 years of industry experience in delivering insurance solutions.

License Verified:

License: 18100993

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.
4.0
Google
4.0 / 5 (11)
Yelp
4.0 / 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
107A S First Ave Ste 1, La Grange, KY 40031

Why choose this provider?

Aines Carter & Associates serves the insurance needs of Louisville residents, including life insurance in both whole life and term life formats. Its health insurance lines are targeted primarily toward Medicare recipients, with Medicare Part C (Medicare Advantage) and Part D (prescription drug coverage) available. Additionally, the agency offers Medigap policies to hedge against coverage gaps. Anthem, Cigna, Humana, John Hancock, and Bankers Fidelity are some of the carriers in the agency's network.

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 (44)
Facebook
5.0 / 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
3933 Bardstown Rd Ste C, Louisville, KY 40218
  • Life Insurance
  • Home and Auto Insurance

Why choose this provider?

Fabulic Insurance Agency is an independent firm that caters to individuals, families, and businesses in the Louisville metro and the surrounding areas. It helps clients protect their families' futures by offering them term and permanent life insurance policies. These products can cover debt settlements, education expenses, funeral costs, and lost income. The firm also provides auto, health, home, and renters' insurance plans. Daniel Fabulic, the president, brings more than 20 years of experience in the customer service field.

License Verified:

License: 906849

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
4.2 / 5 (84)
Facebook
5.0 / 5 (74)

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
6537 State Hwy 22, Crestwood, KY 40014

Why choose this provider?

The Crestwood Agency offers life insurance policies for clients in the Louisville area. This local, family-owned and operated company is dedicated to helping its clients find the best policies at the most reasonable rates and conducts annual rate comparisons automatically. Agents are available to provide claims support and make policy changes 24 hours a day. The Crestwood Agency works with some of the best-known insurance carriers in the U.S., including Progressive and Liberty Mutual.

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 (25)
Google
4.8 / 5 (15)

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
915 Lily Creek Road, Louisville, KY 40243
  • Life Insurance

Why choose this provider?

Old Kentucky Insurance, Inc., is a full-service insurance company serving the diverse insurance needs of clients in Louisville and nearby communities. The firm assists individuals and families in attaining financial protection against future tragedies in the form of a life insurance policy. Its independent insurance agents represent over 50 carriers and help clients choose the right coverage that best fits their interests. They provide term life, universal life, and whole life insurance policies. Old Kentucky Insurance has been providing professional insurance services since 1973.

License Verified:

License: 399452

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.
4.2
Google
4.0 / 5 (63)
Facebook
5.0 / 5 (17)
Yelp
3.0 / 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
4101 Cane Run Rd, Louisville, KY 40216

Why choose this provider?

Founded more than 60 years ago, Wessel Insurance Agency is a personal and commercial health insurance company in Louisville. This family-owned and operated business provides health and life insurance policies from a wide array of carriers. Its agents work hard to understand clients' needs and help them obtain quotes and policy details from carriers such as Progressive and Liberty Mutual Insurance. Other products include homeowners' insurance, auto insurance, and commercial liability 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

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
13010 Factory Lane, Louisville, KY 40245
  • Life Insurance

Why choose this provider?

Daugherty Insurance Agency is a full-service and independent company that offers insurance solutions to clients around Louisville and its nearby areas. It focuses on the three main types of life insurance, which are term life, whole life, and universal life insurance. Since opening its doors in 1966, it has been helping individuals, families, and business owners secure insurance plans that provide the coverage that they need. Daugherty Insurance Agency also provides assistance with other kinds of insurance plans, like home, automobile, and business insurance.

License Verified:

License: 7221488

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.
4.5
Google
4.0 / 5 (7)
Facebook
5.0 / 5 (7)

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
4350 Brownsboro Rd Ste 110, Louisville, KY 40207

Why choose this provider?

Miller Williams Insurance is a life insurance agency in Louisville. It works with multiple carriers to help families and individuals access insurance policies that cover post-death expenses such as funeral costs, mortgage and other debts, and income replacement. Child term riders are available, as are accelerated death benefits, which allow the policyholder to withdraw funds against their policy should they become terminally ill. In addition to personal insurance, Miller Williams Insurance also works with businesses to provide employee benefits.

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
Facebook
5.0 / 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
9403 Mill Brook Rd Ste 100, Louisville, KY 40223

Why choose this provider?

Principal is an insurance and financial planning agency that serves clients in Louisville and throughout the U.S. Its team of experienced agents works with individuals and families to build life insurance policies that offer financial protection for loved ones in the event of the policyholder's death. Many policies can also include living benefits, which can be activated if the policyholder is diagnosed with a critical illness or injury. Other services include retirement planning and investment management.

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
207 Hunter Station Rd, Sellersburg, IN 47172
  • Policy Bundle Discount

Why choose this provider?

Lewis & Associates Insurance has been serving clients in Louisville and neighboring communities for over two decades. It represents several providers that offer personal insurance products.

License Verified:

License: 1195010

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
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
6801 Dixie Hwy Suite 237, Louisville, KY 40258
  • Life Insurance
  • Individual Plans
  • Personal Insurance

Why choose this provider?

Louisville Kentucky Insurance is a family-owned and locally operated independent insurance agency that serves individuals, families, and business owners from the metro and its surrounding areas. It provides different kinds of life insurance policies, including term life and whole life insurance. The company also offers homeowners', auto, motorcycle, and business insurance. Agency manager David Cronin is a fellow of the Life Underwriters Training Council. Louisville Kentucky Insurance is a member of the Independent Agency Owners Alliance.

License Verified:

License: 389883

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 (115)
Facebook
5.0 / 5 (7)

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
1238 E Broadway, Louisville, KY 40204

Why choose this provider?

Merit Harbor Advisors offers personal and commercial insurance. This life insurance company in Louisville provides life insurance policies that are designed to protect policyholders' families against loss and liabilities after they've passed away. Benefits are typically used to cover final expenses such as funeral and burial costs, as well as to help beneficiaries cover ongoing living expenses. Other insurance options include renters' and homeowners' insurance, as well as auto insurance 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
Facebook
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
806 Stone Creek Pkwy Ste 11, Louisville, KY 40223

Why choose this provider?

Founded more than a century ago, Assure America is a life insurance agency in Louisville. Its team of professional, licensed agents works with clients to obtain quotes from top insurance providers and develop policies that protect the financial health of them and their loved ones in the event of an unexpected medical emergency or death. The company offers life insurance options such as whole and term policies, as well as a variety of health insurance 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.
3.3
Facebook
5.0 / 5 (42)

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
3415 Paoli Pike, Floyds Knobs, IN 47119

Why choose this provider?

Founded in 1947, Callistus Smith Agency Inc. provides insurance services for clients in the Louisville area. It works with some of the top carriers in the area, such as Everett Cash Insurance and Indiana Farmers Insurance, to provide its clients with reliable and highly rated life insurance products. The company was voted the top agency in Southern Indiana in 2018 by Floyd County Readers' Choice and is a Trusted Choice Independent Insurance Agent.

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
4.9 / 5 (35)
Facebook
3.7 / 5 (3)

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
Louisville, KY 40223

Why choose this provider?

Shepherd Retirement Services LLC is an independent agency that serves clients in Louisville and throughout its surrounding areas. The company is dedicated to helping its clients find insurance solutions that suit their needs and the needs of their family members. Working with a variety of providers, its agents help clients select life insurance, annuities, Medicare Advantage, and long-term care coverage. Customers can also select supplemental coverage options such as dental, vision, and hearing.

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
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
9700 Park Plaza Ave Unit 101, Louisville, KY 40241

Why choose this provider?

Hazen Insurance Agency has been serving clients in the Louisville area since 1980. The company's team of licensed and experienced agents work with personal and commercial clients to find life, health, and other insurance policies that are best suited to their needs and budgets. These agents work directly with clients to determine their needs and shop quotes from a variety of providers. Plan options include long-term care insurance, mortgage protection, and final expense 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
4.3 / 5 (11)
Google
4.5 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7619 Dixie Highway, Louisville, KY 40258
  • Life Insurance

Why choose this provider?

Rudy Scheynost is a State Farm insurance professional and longtime Louiseville resident who furnishes different kinds of policies. One of them is term life insurance, which provides death benefits and protects policyholders for a certain amount of time. In addition, he can create group life protection plans for employees. His other products include home and auto insurance. The business administration graduate has been providing risk management solutions under State Farm for more than five decades.

License Verified:

License: 379283

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.
4.0
Google
4.0 / 5 (16)

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
9850 Von Allmen Court, Louisville, KY 40241
  • Life Insurance

Why choose this provider?

Bluegrass Insurance Advisors, LLC, serves families and businesses in Louisville and surrounding Kentucky communities. It represents insurance carriers such as Travelers, Safeco Insurance, Progressive, Liberty Mutual, Foremost Insurance, and Erie Insurance and provides term, whole, and variable universal life insurance as well as disability and Medicare Supplement insurance. The company also offers auto, home, renters, business, and group benefits insurance as well as umbrella and final expense insurance. Bluegrass Insurance Advisors is also licensed in Indiana, Ohio, Tennessee, and Virginia.

License Verified:

License: 19711463

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.
4.2
Google
4.0 / 5 (7)
Facebook
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • When should you choose whole life insurance in Louisville?

    Choose a whole life insurance plan if you want to be protected for your entire existence in Louisville, and if you want the option to take back a lump sum while still alive. This is because a whole life insurance plan has a savings account called a cash value account, which grows without taxes over time. You can take money out or borrow against it while you are alive.

  • How do age and health affect life insurance premiums in Louisville?

    In Louisville, being old and unhealthy makes insurance premiums more expensive. Insurers are more willing to insure healthy young persons because there is a reduced risk of untimely death and of payouts being made before sufficient premiums have been paid. Generally, if there's a higher probability of someone having a longer life, the policy tends to be more affordable.

  • How can a life insurance plan be used for estate planning in Louisville?

    A life insurance plan in Louisville is usable as an estate planning tool because the value of the policy serves as an additional fund for the beneficiaries, who in turn could be the insured person's heirs or legatees. The transfer of funds on the plan might receive favorable tax treatment too and does not need to pass through probate.

  • Is it wise in Louisville to stick to a single life insurance plan without making changes?

    It is not always advisable in Louisville to stick to a single unchanging life insurance plan. The needs and goals of the insured may change over time as may life circumstances. The birth of a new child or a divorce may necessitate a revision in the named beneficiaries, and the expiration of a term life contract may require extension or conversion.

  • In Louisville, how does universal life insurance differ from whole life insurance?

    While a universal life insurance plan is similar to a permanent whole-life plan in that the scope is for the insured's whole life, it has more flexible premium payments that could be adjusted lower or higher, depending on a person's goal and earning ability in Louisville. With traditional whole-life policies, the premiums are unchanging.

  • 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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