Expertise.com

2024

Last updated:

Best Life Insurance Companies in Columbia

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 Columbia 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.

4422Reviewed

2657Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9030 Red Branch Road, Columbia, MD 21045
WebsiteLicense: 2139168

Expertise.com Rating

Review Sources

Google
5.0 (271)
Facebook
5.0 (80)

Why choose this provider?

Based in Columbia, the U.S. Home and Auto Insurance Group offers its services to the residents of the metro and the nearby communities. It offers life insurance policies such as term life, universal life, and whole life insurance. It also offers auto insurance policies that cover autos, ATVs, boats, and collector vehicles. Additionally, it also offers mortgage products and refinancing loan options. Some of its partner carriers are Stillwater Insurance Group, Penn National Insurance, The Philadelphia Contributorship, and State Auto Insurance Companies.

  • Life Insurance

7075 Samuel Morse Drive, Columbia, MD 21046
WebsiteLicense: 2408

Expertise.com Rating

Review Sources

Google
4.0 (9)

Why choose this provider?

The Jacobs Co. Incorporated is an independent insurance firm serving clients in Columbia and nearby areas. It provides its customers with a broad range of life insurance products, including universal, variable universal, and corporate-sponsored life insurance. It also offers other types of insurance, such as auto, flood, general liability, business income, and workers' compensation. The team of professionals at this agency has more than 400 years of combined experience and have advanced educational degrees. The Jacobs Co. Incorporated has access to over 65 insurance companies.

  • Life Insurance
  • Health Insurance

9520 Berger Road, Columbia, MD 21046
WebsiteLicense: 3000054031

Expertise.com Rating

Review Sources

Google
4.0 (52)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

James Clark is a State Farm insurance agent that serves Columbia and the surrounding locations. He furnishes different types of protection plans, including whole life insurance, which provides living benefits as it builds tax-free cash value through time. Additionally, he provides term life protection plans which offer protection for a specific period of time, and he can also write group life policies for key employees. Clark, who is also licensed in Virginia and D.C., also offers health and home insurance.

  • Life Insurance
  • Health Insurance

7061 Deepage Drive, Columbia, MD 21045
WebsiteLicense: 3000099377

Expertise.com Rating

Review Sources

Google
4.0 (95)
Yelp
5.0 (2)

Why choose this provider?

McArdle Insurance Agency Incorporated is an independent firm based in Columbia that counsels individual and commercial clients seeking insurance solutions in the area. The agency is composed of licensed insurance agents with over 100 years of combined industry experience. Some of its life insurance products include term life and whole life insurance plans that can be customized to fit the policyholder's budget and coverage needs. The agency has been operating for more than 30 years and carries Erie Insurance and Progressive for its life insurance lines.

  • Life Insurance

5570 Sterrett Place, Columbia, MD 21044
WebsiteLicense: 2128653

Expertise.com Rating

Review Sources

Google
4.0 (30)
Facebook
5.0 (7)

Why choose this provider?

Kevin Gordon is a State Farm agent serving customers in Columbia. He assists clients in purchasing individual life insurance products, including term life and permanent life insurance. Gordon's team also furnishes policies that protect homes, automobiles, businesses, pets, and healthcare. People who are interested in State Farm's banking solutions are welcome to consult the team as well. Gordon has nearly 10 years of industry experience. He supports a charity golf outing for the benefit of the Zaching Against Cancer Foundation.

  • Life Insurance
  • Health Insurance

5570 Sterrett Place, Columbia, MD 21044
WebsiteLicense: 2091601

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
4.0 (6)
Yelp
5.0 (2)

Why choose this provider?

Swann Insurance Agency is an insurance company serving individuals and businesses throughout Columbia and its neighboring areas. This agency offers a comprehensive range of personal insurance products, such as term life insurance policies and whole life or universal life insurance. It also offers homeowners' insurance and auto insurance products. The company provides six-month policy check-ups for its clients to provide them a personalized experience. Company owner Joseph Swann holds life and health insurance licenses in Detroit, DC, Pennsylvania, and Virginia.

  • Life Insurance

5005 Signal Bell Lane, Clarksville, MD 21029
WebsiteLicense: 3000368661

Expertise.com Rating

Review Sources

Google
5.0 (34)

Why choose this provider?

Meck Insurance Agency is an independent agency that provides life insurance services to individuals and families in Columbia. Several life insurance products are available, including final expense, fixed annuities, individual disability, individual life, individual long-term care, and mortgage protection insurance. The firm's agents educate clients on the coverages they need to help them make their buying decisions. Meck Insurance Agency partners with carefully selected insurance companies that deliver fair and prompt services.

  • Life Insurance

5501 Twin Knolls Road, Columbia, MD 21045
WebsiteLicense: 1599

Expertise.com Rating

Review Sources

Google
4.0 (25)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

Established in 1985, McCabe Insurance Associates, Inc., is an independent insurance agency that serves clients in Columbia and works with insurance companies such as Erie Insurance, Liberty Mutual Insurance, MetLife, Progressive, Safeco Insurance, and Travelers. It offers individual life insurance, Medicare plans, fixed annuities, and final expense insurance, as well as mortgage protection insurance. The company also specializes in auto, motorcycle, boat, homeowners', renters', and business insurance. Additionally, McCabe Insurance Associates has also agents who are fluent in Spanish.

  • Life Insurance

9881 Broken Land Parkway, Columbia, MD 21046
WebsiteLicense: 99910119

Expertise.com Rating

Review Sources

Google
4.0 (15)
Yelp
3.0 (2)

Why choose this provider?

Aaron Slater Jr. started working as a State Farm insurance agent in 1984. He serves clients in Columbia and across Maryland, Virginia, and Washington, D.C. He offers a range of insurance products such as life policies and health coverages and provides plans for properties, homes, and automobiles. Other products include mutual funds, annuities, and banking services. Aaron is a long-term care professional and a Chartered Life Underwriter. He is also affiliated with the Howard County Chamber of Commerce.

  • Life Insurance
  • Health Insurance

8600 Foundry Street, Savage, MD 20763
WebsiteLicense: 2898

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Commercial Insurance Managers is an independent, veteran-owned, and veteran-operated insurance agency serving individuals and companies in Columbia and nearby areas. It offers different insurance products such as auto, home, health, business, and life insurance plans. Under life insurance comes individual life, long-term care, mortgage protection, and key person insurance. In addition, it offers notary, license, and permit services. Since it opened in 1989, it has sold insurance products in Maryland, Virginia, and the District of Columbia.

  • Life Insurance

10380 Old Columbia Road, Columbia, MD 21046
WebsiteLicense: 144504

Expertise.com Rating

Review Sources

Google
4.0 (20)
Facebook
5.0 (2)
Yelp
1.0 (1)

Why choose this provider?

VW Brown Insurance Service is an independent insurance company that serves clients in the Columbia area. It offers a range of life insurance products to help clients prepare for unexpected events in the future and to secure their financial responsibilities to their families. Its policies include long-term disability, long-term care, and individual life insurance. The agency also provides business and group benefits insurance services. Its president, Angela Ripley, has been in the industry for more than two decades.

  • Life Insurance

FAQs

  • Will your life insurance policy pay for your Columbia home’s mortgage balance in case you pass away unexpectedly?

    Yes, including the amount of mortgage you still owe in the life insurance policy you purchase in Columbia is one way to ensure your mortgage balance is paid by your policy. This way, your beneficiaries will have money to cover your final expenses, such as burial costs and the mortgage on your home. Alternatively, unlike life insurance, which can cover your beneficiaries' other financial needs, you can take out separate mortgage protection insurance that will only address your mortgage balance.

  • Can your insurer automatically cancel your life insurance policy in Columbia if you missed one payment?

    No, policyholders in Columbia are entitled to a 30-day grace period following a missed premium payment under Title 31 of the Maryland Code of Regulations. During this time, the insurance company is not permitted to cancel your policy or withdraw coverage. This grace period allows you to pay the missed premium without jeopardizing your policy.

  • Who has the right to take out a life insurance policy on your life in Columbia?

    Only people with an insurable interest or a substantial economic interest can buy life insurance on your life in Columbia. Blood relation or substantial love or affection generates insurable interest. So you, your blood relatives, and your spouse can all purchase a life insurance policy. Parties with substantial economic interest are those who would suffer a financial loss if you died, such as your business partner.

  • Which death situations are commonly excluded from life insurance policies in Columbia?

    Suicide is not covered by almost all life insurance policies. Deaths caused by acts of war, military service, and aviation accidents are also common exclusions in Columbia. Some insurance companies also exclude deaths caused by dangerous activities such as skydiving and illegal activities such as DUI. Meanwhile, some life insurance policies only cover accidental deaths and do not cover illnesses.

  • Will your beneficiaries receive the full cash value of your life insurance policy after you pass away in Columbia?

    No, even if the cash value of your policy exceeds the death benefit, your beneficiaries will only receive the death benefit specified on the policy. However, there are some whole life insurance providers in Columbia who will provide you with both a death benefit and cash value. Make certain to clarify this point before signing the insurance contract. It is important to note that any unpaid loans made against your policy will be deducted from your beneficiaries' payout.

  • 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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