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Best Life Insurance Companies in Winston Salem

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Breeden Insurance Services, Inc. logo
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Breeden Insurance Services, Inc.

12200 N NC Highway 150 Ste 5, Winston Salem, NC 27127
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Business Description

Breeden Insurance Services Inc. has offered a comprehensive range of personal and business insurance options since 1963. The independent company is a licensed agent for more than 12 leading insurance providers and has broker access to hundreds of other top-rated carriers. Its individual life and health insurance policies are tailored to meet the clients' specific needs and budgets. The company's products are crafted with the limits, coverages, and supplements that protect families and assets.

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
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
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Detail
C&E Insurance Solutions logo
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C&E Insurance Solutions

897 Peters Creek Pkwy Ste 202, Winston Salem, NC 27103
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Business Description

C&E Insurance Solutions works with personal and commercial clients to provide the coverage that effectively meets their needs. The independent life insurance company in Winston-Salem partners with top-rated carriers to offer its clients the flexibility of choosing the options right for their situations. Its agents consult with individuals and provide them with a checklist of information critical to determining the coverage they require. They assess earnings, debts, familial obligations, and assets to recommend the appropriate term or permanent insurance policy.

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
4.6 / 5 (12)
Google
5.0 / 5 (11)
Charles Brunson Agency logo
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License Verified:

License: 6605140

North Carolina Department of Insurance

Charles Brunson Agency

4680 Brownsboro Road, Winston-Salem, NC 27106
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  • Life Insurance

Business Description

Charles Brunson Agency is a locally owned and operated insurance agency that serves clients in Winston-Salem. It offers term and permanent life insurance plans, as well as additional coverage options that include long-term care, disability, and second-to-die policies from Nationwide. The agency also covers other types of insurance products for cars, homes, businesses, and farms. It serves various industries, including accounting, construction, education, life sciences, and healthcare. Charles C. Brunson serves as the principal agent.

License Verified:

License: 6605140

North Carolina 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 (18)

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
Elizabeth Soots logo
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License Verified:

License: 17038410

North Carolina Department of Insurance

Elizabeth Soots

110 Oakwood Drive Suite EWinston Salem, Winston Salem, NC 27103
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  • Life Insurance

Business Description

Elizabeth Soots is a State Farm insurance agent serving clients in Winston Salem and the surrounding areas. She offers a range of insurance products, which include life, health, and pet insurance. She also offers auto, home, property, and business insurance. Annuities, mutual funds, and banking products are also other products that she can offer. Soots is a member of the Winston Salem Chamber of Commerce and Reynolda Rotary Club and has been featured in Forsyth Woman Magazine.

License Verified:

License: 17038410

North Carolina 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
4.5 / 5 (29)
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
Hiller Ringeman logo
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License Verified:

License: 1000446805

North Carolina Department of Insurance

Hiller Ringeman

1109 Yadkinville Rd., Mocksville, NC 27028
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  • Life Insurance

Business Description

Hiller Ringeman is an insurance company that lends its expertise to clients in Winston-Salem. Its offered personal insurance policies include home, auto, and life insurance. Its agents focus on crafting life insurance policies that cater to distinct phases of their clients' lives, which involves educating clients on the differences among the coverage options presented to them. Hiller Ringeman also handles business insurance, retirement, and investment matters. Its senior management team holds over 50 years of experience in the insurance industry, and personnel across the company hold over 250 years combined.

License Verified:

License: 1000446805

North Carolina 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
Facebook
4.5 / 5 (57)

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
Hunt Insurance Solutions logo
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Hunt Insurance Solutions

615 Saint George Square Ct Ste 300, Winston Salem, NC 27103
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Business Description

Hunt Insurance Solutions provides its clients with the tools they need to make informed decisions. The independent health insurance company in Winston-Salem partners with multiple top-ranked carriers to deliver customized plans that meet specific needs. Its agents consult with individuals and assess family circumstances and obligations before recommending an HMO, PPO, FFS, or POS policy. They also offer supplemental policies, including cancer, Medicare, dental, vision, and long-term care. Additionally, Hunt Insurance Solutions provides a range of life insurance options.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Infinity Insurance Group logo
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Infinity Insurance Group

3844 Clemmons Rd Ste C, Clemmons, NC 27012
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Business Description

Infinity Insurance Group is an independent agency committed to providing its clients with comprehensive service for more than 22 years. It partners with a variety of carriers to deliver the personal and small business insurance options that most effectively meet its clients' needs. Its individual health insurance plans are designed around the copay, deductible, annual limits, and supplemental policy requirements of the client. Infinity Insurance Group's life insurance plans are tailored to accommodate individual financial circumstances and goals.

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 (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
ISAA Insurance & Financial Services logo
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ISAA Insurance & Financial Services

1311 Westbrook Plaza Dr Ste 107, Winston Salem, NC 27103
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Business Description

ISAA Insurance & Financial Services offers a wide range of personal and business insurance solutions. The independent life insurance agency in Winston-Salem partners with leading carriers to tailor policies that most effectively meet its clients' needs. Its agents consult with the individual to determine specific financial circumstances and goals before recommending a term, whole, universal, or final expense policy. The company also provides supplemental insurance, such as mortgage protection, as well as annuities.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Long Insurance Services logo
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Long Insurance Services

311 S Main St, Kernersville, NC 27284
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Business Description

Long Insurance Services provides a full range of personal and business insurance solutions. The independent life insurance company offers its clients options tailored to meet their needs. It partners with a network of carriers to provide term, whole, and universal policies with limits and coverages specifically aligned with the individual's financial circumstances, familial obligations, and goals. Long Insurance Services also offers home and vehicle policies as well as commercial coverage for a diverse range of industries.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
McCall Insurance Services logo
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McCall Insurance Services

2511 Neudorf Rd Ste G, Clemmons, NC 27012
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Business Description

McCall Insurance Services has offered individual and group life and health insurance options since 1983. The independent agency partners with multiple top-rated carriers to provide customized solutions. Its agents consult with clients to arrange the term, whole, or universal life insurance policy that aligns with their financial circumstances and goals. Likewise, the company offers a selection of HMO, PPO, FFS, and POS health plans as well as supplemental policies specifically designed for individual needs.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Oak Ridge Insurance Services logo
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Oak Ridge Insurance Services

2211 Oak Ridge Rd, Oak Ridge, NC 27310
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Business Description

Oak Ridge Insurance Services is an independent agency offering personal and small business insurance solutions. It partners with multiple top-tier carriers to provide term, whole, or universal life insurance plans tailored to meet individual needs. Policies may include long-term care riders that allow the insured to leverage some of the benefits to cover expenses after a critical illness. The company's agents consult with individuals to align their financial circumstances and goals with the most effective plan.

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
Peak Insurance Group logo
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Peak Insurance Group

3029 Waughtown St Ste 110, Winston-Salem, NC 27107
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Business Description

Peak Insurance Group provides its personal and business clients with a full range of insurance options. The independent life insurance agency in Winston-Salem partners with a network of top-ranked carriers to deliver the products that align with its clients' goals. Its team meets with individuals to determine what their objectives are for obtaining a life insurance policy. Agents evaluate finances, debts, family obligations, and assets before offering recommendations for term or permanent policies, supplemental plans, and annuities.

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 (196)

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
Piedmont Insurance Agency logo
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Piedmont Insurance Agency

12133 N NC Highway 150 Ste E, Winston Salem, NC 27127
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Business Description

Founded more than 50 years ago, Piedmont Insurance Agency sells life insurance in Winston Salem and throughout its surrounding areas. This local and family-owned and operated company's experienced insurance agents walk clients through the process of purchasing life insurance, offering expert advice along the way. Plans may include whole, term, or universal coverage and in some cases, living benefits may be available. Other offerings include auto, home, and business 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
Red Door Insurance Group logo
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Red Door Insurance Group

3775 Vest Mill Rd, Winston Salem, NC 27103
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Business Description

Red Door Insurance Group is a locally owned agency offering a wide range of insurance solutions. The independent life insurance company in Winston-Salem works with a network of top-rated carriers to deliver the most effective options to its clients. Its term, whole, and universal policies are tailored to meet specific needs and goals. Supplemental plans, such as mortgage protection and long-term care, provide additional security. Red Door Insurance Group also offers fixed annuities.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Safenet Insurance Group logo
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Safenet Insurance Group

157 Yadkin Valley Rd Ste 208, Advance, NC 27006
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Business Description

Safenet Insurance Group is an independent agency that's provided insurance solutions for more than 10 years. Its partnerships with top-rated carriers allows its clients the flexible options they require. The company's agents work with individuals to determine the term, whole, or universal life insurance coverage that most effectively meets their needs. They evaluate current and future earnings, debts, familial obligations, and assets before making the appropriate recommendations. Safenet Insurance Group also provides auto, home, and small business insurance protection.

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
The Hassell Insurance Group, Inc. logo
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The Hassell Insurance Group, Inc.

1540 Westbrook Plaza Dr Ste B, Winston Salem, NC 27103
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Business Description

The Hassell Insurance Group Inc. is an independent agency that's delivered personal and business insurance options since 1981. The life insurance company in Winston-Salem works with a network of top-level providers to present its clients with policies tailored to meet their needs. Its individual and group plans include term, whole, and universal selections with specifically detailed limits and coverages. The Hassell Insurance Group also provides individual home and vehicle plans as well as coverage for a diverse range of industries.

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
4.7 / 5 (19)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Hassell Insurance Group, Inc. logo
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License Verified:

License: 1000081209

North Carolina Department of Insurance

The Hassell Insurance Group, Inc.

1540 Westbrook Plaza Drive, Winston-Salem, NC 27103
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  • Life Insurance

Business Description

Serving the community for nearly 40 years, The Hassell Insurance Group, Inc., provides assistance as an independent insurance agency that represents multiple companies. It caters to clients in Winston Salem and surrounding areas, aiming to educate them on the insurance options that fit their needs. Its life insurance options come in different types such as term, traditional whole, variable universal, and universal, which are designed to pay a benefit in case of death. It also offers other products like pet, wedding, landlord, life, homeowners', and auto insurance.

License Verified:

License: 1000081209

North Carolina 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 (21)
Facebook
4.8 / 5 (18)

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
The Morgan Agency logo
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License Verified:

License: 6556950

North Carolina Department of Insurance

The Morgan Agency

2200 Silas Creek Parkway, Winston-Salem, NC 27103
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  • Life Insurance

Business Description

The Morgan Agency provides various insurance products and services to those residing in Winston-Salem and the surrounding communities. It offers term and permanent life insurance policies and can assist clients in determining which one best suits their specific circumstances and financial goals. It also assists business owners looking for commercial coverage for general liability or workers' compensation. In addition, jewelry, umbrella, and homeowners' insurance plans are available. Owner Mike Morgan can assist English-speaking and Spanish-speaking clients.

License Verified:

License: 6556950

North Carolina 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 (6)

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
Triad Retirement Group logo
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Triad Retirement Group

4045 Premier Dr Ste 105, High Point, NC 27265
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Business Description

Triad Retirement Group is a full-service independent insurance agency focused on providing seniors guidance through the complexities of Medicare and life insurance options. It partners with a wide range of top-level carriers to offer comprehensive solutions tailored to meet specific needs. The company's agents consult with individuals to determine the major health and supplemental coverage they require. They also evaluate their life insurance policy options to ensure they provide the appropriate protection.

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Back to Providers

Frequently Asked Questions

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.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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