Expertise.com

2024

Last updated:

Best Life Insurance Companies in Sparks

Our Recommended Top 17

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 Sparks 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.

4272Reviewed

2570Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4600 Kietzke Lane, Reno, NV 89502
WebsiteLicense: 28444

Why choose this provider?

Shepro Insurance Services is an independent insurance agency near Sparks specializing in insurance solutions and products. The firm is led by Terry Shepro, an insurance professional with years of experience offering and underwriting personal insurance products for clients. It carries various life insurance policies, such as term life, disability, whole life, final expense, and short-term medical insurance plans. Additionally, Shepro Insurance Services has specialty lines that cover travel insurance, index annuities, and Medicare.

  • Life Insurance
  • Health Insurance

4894 Sparks Boulevard, Sparks, NV 89436
WebsiteLicense: 3509625

Expertise.com Rating

Review Sources

Google
4.0 (26)
Facebook
5.0 (5)
Yelp
5.0 (1)

Why choose this provider?

High Sierra Insurance provides individuals and families in Sparks with life insurance policies. It helps clients secure their future, financial assets, and the lifestyles of their loved ones in the event of their death. The independent agency gives access to a wide selection of insurance products and carriers. The agents deliver quick turnaround and design insurance programs that meet the insurance needs of their customers. High Sierra Insurance also offers other personal lines insurance, such as homeowners', auto, and umbrella insurance.

  • Life Insurance

3005 Skyline Boulevard, Reno, NV 89509
WebsiteLicense: 1021891

Expertise.com Rating

Review Sources

Google
5.0 (17)
Yelp
2.0 (3)

Why choose this provider?

Will Huston is a Nevada-based State Farm agent serving residents of Sparks and Reno. Will has been with State Farm for over six years—two as an agent—and is knowledgeable of current trends in the insurance and financial services domain. He offers term, whole, and universal life insurance packages for individuals and group life insurance plans tailored for small businesses. He also assists clients in matters of claim filing and policy change requests. Additionally, Will is the current Club President of The Rotary Club of Reno Central.

  • Life Insurance
  • Health Insurance

1255 North McCarran Boulevard, Sparks, NV 89431
WebsiteLicense: 3579

Expertise.com Rating

Review Sources

Google
4.0 (36)
Facebook
5.0 (5)
Yelp
3.0 (2)

Why choose this provider?

Senior Insurance Agency is an independent insurance company that provides life insurance policies to individuals and families in Sparks and the surrounding areas. The company has been in the industry since 1986 and has been representing various insurance carriers such as Aetna, Best Life, and United Healthcare. It helps clients in selecting from life insurance options such as whole, term, and universal life. In addition, the company offers coverage for Medicare Supplement, Medicare Part D, Medicare Advantage, facility care, and travel.

  • Life Insurance
  • Health Insurance

3716 Lakeside Drive, Reno, NV 89509
WebsiteLicense: 17264

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

The Lazzarone Group is a Reno-headquartered insurance agency. It offers insurance and financial services to clients throughout Sparks and its neighboring areas, specializing in life insurance, long-term care insurance, and retirement income annuity. Additionally, its team provides investment products and services and offers clients more than 2,500 mutual funds to choose from. Dale Lazzarone, one of the company's principals, has been in the industry for three decades. He is a Million Dollar Round Table member and an executive council member of New York Life Insurance Company.

  • Life Insurance
  • Health Insurance

PO Box 61016, Reno, NV 89506
WebsiteLicense: 947583

Why choose this provider?

Cox Insurance Services, LLC, is an independent insurance agency near Sparks that provides insurance strategies and personal financial options to clients in the metro. The company was formed in February 2012 and is composed of insurance brokers and employee benefits specialists with over 30 years of industry experience. It offers life insurance products such as term life insurance, permanent life insurance, long-term care insurance, disability insurance, and healthcare insurance. It also offers assistance for procuring Medicare and Medicare Supplements (Medigap).

  • Life Insurance
  • Health Insurance
  • Long Term Care

255 West Moana Lane, Reno, NV 89509

Expertise.com Rating

Review Sources

Facebook
4.5 (44)
Google
4.0 (4)

Why choose this provider?

American Income Life: AO was established in 1982 and is the largest distribution system of AIL, providing training and support for associates. American Income Life is a principal subsidiary of Globe Life that provides insurance options to families in Sparks and surrounding communities. AIL has served families with life, accident, and supplemental health products since 1951. It provides life insurance plans like whole life and term life insurance. Additionally, it offers terminal illness rider that can be added to life insurance.

  • Life Insurance

P.O. Box 12910, Reno, NV 89510

Expertise.com Rating

Review Sources

Google
3.0 (4)

Why choose this provider?

Western Insurance Specialties has been providing voluntary supplemental life insurance to active employees in Sparks for over 35 years. The agency was founded in 1983 and has been providing its clients with comprehensive life insurance plans ever since. Furthermore, Western Insurance Specialties offers spouse/domestic partner and child coverage, accidental death and dismemberment coverage, identity theft protection, and emergency travel assistance. It also offers insurance plans for higher education employees and voluntary life plans for public employees.

  • Life Insurance

9190 Double Diamond Parkway, Reno, NV 89521

Why choose this provider?

Cypress Strategies is an insurance brokerage near Sparks that offers insurance and financial services to clients in the metro. The firm is headed by Geoff Grenert, an insurance professional and financial advisor who has been working with affluent families and top businesses in the area since 1997. The firm has successfully helped families in analyzing and procuring life insurance options through its own market studies and insurance reviews. The firm is a member of the M Financial Group and has access to the region's top-rated life insurance providers.

  • Life Insurance

9190 Double Diamond Parkway, Reno, NV 89521

Expertise.com Rating

Review Sources

Google
4.0 (97)
Facebook
5.0 (1)

Why choose this provider?

Capital Insurance Service is a full-service agency that serves the Sparks and the surrounding regions. The firm has been in business for over 20 years. It offers life insurance policies, such as term life and permanent life insurance. It also has property insurance plans that cover homeowners, renters, and businesses. Capital Insurance Service also provides auto, RV, boat, and motorcycle insurance plans. Capital Insurance Service can also provide year-round income tax preparation and notary public services to clients.

  • Health Insurance
  • Life Insurance

1280 Terminal Way, Reno, NV 89502
WebsiteLicense: 3168166

Expertise.com Rating

Review Sources

Google
4.0 (20)

Why choose this provider?

Yourway Insurance assists individuals, businesses, and families in Sparks and the surrounding areas with purchasing insurance products that fit their needs. This Spanish-speaking agency works with a wide range of insurance carriers and helps clients secure life insurance policies that take care of their family's needs after death, such as funeral expenses, debt repayment, and daily living costs. The most common life insurance plans it assists with are term life and whole life insurance, as well as funeral plans.

  • Life Insurance

220 South Rock Boulevard, Reno, NV 89502
WebsiteLicense: 3572373

Expertise.com Rating

Review Sources

Google
4.0 (20)
Facebook
5.0 (1)

Why choose this provider?

Iveson Insurance Agency is a company that serves the insurance needs of Sparks residents. The company is led by Nolan Iveson, a Reno-based insurance agent. The company offers life insurance policies tailored to the needs of its clients. It offers term, whole, and universal life insurance packages. It also offers insurance policies that cover homes and condos. Iveson Insurance Agency also serves businesses by offering commercial insurance. The packages it provides include compensation for workers and liability insurance.

  • Life Insurance

3724 Lakeside Drive, Reno, NV 89509

Expertise.com Rating

Review Sources

Facebook
5.0 (38)
Google
4.6 (23)
Yelp
3.0 (4)

Why choose this provider?

Nevada Insurance Agency Company delivers insurance solutions to businesses, families, and individuals in the Sparks area. It is an independent agency that assists clients in purchasing life insurance plans. Moreover, the company deals with other personal policies, including home, health, accident, and automobile insurance. It can access different insurance products from various carriers like Progressive, Safeco, Liberty Mutual, and Chubb Insurance. Headed by Scott Schellin, Nevada Insurance Agency Company has been in the business since 1935. Schellin is the former president of the Nevada Independent Insurance Agents.

  • Life Insurance
  • Individual Plans
  • Health Insurance

592 California Avenue, Reno, NV 89509
WebsiteLicense: 816476

Expertise.com Rating

Review Sources

Google
4.0 (19)

Why choose this provider?

Northern Nevada Insurance Agency delivers services to businesses, families, and individuals in the Sparks metro. It is a life insurance service provider that helps clients acquire term and permanent coverages. Life insurance plans can protect policyholders against financial losses caused by existing debts and unexpected death. Moreover, the company offers other personal and business policies, such as homeowners', renters', health, employee benefits, and professional liability insurance. Northern Nevada Insurance Agency carries more than 20 years of industry experience.

  • Life Insurance
  • Health Insurance

715 I Street, Sparks, NV 89431
WebsiteLicense: 503816

Expertise.com Rating

Review Sources

Google
5.0 (24)
Yelp
5.0 (4)
Facebook
5.0 (2)

Why choose this provider?

Nathan Almlie leads the Nathan Almlie Insurance Agency Inc., serving the diverse insurance needs of residents in Sparks. Almlie supports individuals in ensuring the financial stability of their loved ones in the future through a life insurance policy. His team delivers a variety of life insurance plans, namely term life, whole life, and universal life. He also assists clients in managing their medical costs with health and disability insurance plans. Almlie has been a State Farm Insurance agent for over 13 years.

  • Life Insurance
  • Health Insurance

675 West Moana Lane, Reno, NV 89509
WebsiteLicense: 3249852

Expertise.com Rating

Review Sources

Google
4.0 (87)
Facebook
5.0 (21)

Why choose this provider?

Choice Mutual Insurance Agency offers final expense life insurance products under the whole life insurance category. Representing over 15 insurance companies, it specializes in burial insurance and offers its services in Sparks and the surrounding metros. It also helps seniors with illnesses get coverage. Anthony Martin, its sole proprietor, founded Choice Mutual in 2013 and is a member of the Forbes Finance Council. His company has been featured in various media outlets like Forbes, Investopedia, Huffpost, and MSN Money.

  • Life Insurance

4600 Kietzke Lane, Reno, NV 89502
WebsiteLicense: 27257

Expertise.com Rating

Why choose this provider?

Nevada Silver Life & Health Insurance Agency, LLC, is an independent insurance agency near Sparks that specializes in personal insurance lines. The company is headed by partners John Collier and Gina Espinal, insurance professionals with over 35 years of combined industry experience. They offer life insurance products, such as term life insurance, cash value life insurance, whole life insurance, and key person insurance. In addition, they carry plans for disability and healthcare coverage.

  • Life Insurance
  • Health Insurance

FAQs

  • Can you lessen the influence of your job on your Sparks life insurance premiums?

    No, there is nothing you can do to change how your profession affects the cost of your Sparks life insurance. However, there are other things you can do to lower the cost of your life insurance. If you quit smoking, exercise regularly, and live a healthy lifestyle, you may be able to lower your insurance costs.

  • Do Sparks residents have any other options besides a million dollar life insurance policy?

    Yes, there are options for a $1 million life insurance policy in Sparks. Rather than purchasing a single $1 million life insurance policy, some people choose to combine several smaller life insurance policies. Some people consider getting more disability insurance, establishing a trust, or contributing to retirement accounts to obtain coverage comparable to a million-dollar life insurance policy.

  • What will happen to the burial insurance policy in Sparks if its policyholder perishes before making all required premium payments?

    If the policyholder of a Sparks burial insurance policy dies before paying all due premiums, the insurance provider will distribute the death benefit less any unpaid premiums. If the policyholder has paid premiums for a predetermined period of time, the insurance provider may provide a lower death benefit or return a portion of the premiums.

  • Does the price of acquiring a new life insurance policy in Sparks depend on how many existing policies you currently own?

    No, the cost of one life insurance policy in Sparks has no bearing on the cost of another policy you may have. Life insurance providers are most concerned with factors that affect your life expectancy, such as your current wellness and your family's medical history, which may cause health problems in the future.

  • 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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