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Best Life Insurance Companies in Albany

2024

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Website
3610 State Street, Schenectady, NY 12304
  • Life Insurance
  • Health Insurance

Why choose this provider?

Victor Gaudin owns and operates his State Farm-affiliated agency that caters to clients in Albany and the surrounding areas. He leads a team of insurance experts that provides various personal lines of insurance, including life insurance policies. Clients can select among term life, whole life, and universal life insurance that protects their beneficiaries in the event of death. They also assist with commercial and business auto insurance. Furthermore, Victor's office can accommodate clients who speak Spanish, French, and Arabic.

License Verified:

License: 1516569

New York State Department of Financial Services

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 (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
1881 Western Avenue, Albany, NY 12203
  • Life Insurance

Why choose this provider?

Twin Bridges Insurance Agency, Inc., is an insurance company based in Albany providing the community with life insurance coverages. The life insurance plans it offers include term life, whole life, universal life, and variable universal life. Its agents also handle auto, commercial, and homeowners' insurance products. As a local and independent firm, Twin Bridges Insurance Agency works with over 40 insurance companies to find the right policies for its customer base.

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 (45)

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
1214 Troy Schenectady Road, Latham, NY 12110
  • Life Insurance

Why choose this provider?

Northeastern Insurance is an independent insurance brokerage firm serving the Albany metro area and nearby localities. The firm represents over 20 providers that can offer life insurance policies to individuals and their beneficiaries. The team uses a consultative approach to evaluate their clients' financial needs and assist them in selecting the most appropriate coverage. Since it first opened in 2013, the company has been serving customers in all of New York, Connecticut, Florida, and Vermont.

License Verified:

License: 1143276

New York State Department of Financial Services

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 (359)
Facebook
5.0 / 5 (144)

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
440 3rd Avenue, Watervliet, NY 12189
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Reis Group is an independent insurance agency, providing its services to Albany and neighboring areas since 1966. It offers various types of life insurance products such as universal life, whole life, and term life. Its life insurance policies help each client's beneficiaries pay for tuition, estate taxes, and funeral expenses. The Reis Group also provides business insurance products, including commercial liability and commercial property. The agency's staff regularly attends industry conferences and certified instructional courses to keep updated with the insurance market.

License Verified:

License: 1286679

New York State Department of Financial Services

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
Facebook
4.0 / 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
300 Great Oaks Boulevard, Albany, NY 12203
  • Life Insurance

Why choose this provider?

MetzWood Insurance Agency – Albany NY Office is a family-owned company offering life insurance products to the residents of the metro. It works with many insurance companies to provide its clients financial protection through term, guaranteed universal, and whole life insurance, as well as annuities and long-term care and disability insurance. Together with its technologies for automation and personalized services, clients can avail themselves of its diverse product offering and underwriting guidelines. MetzWood Insurance Agency was founded in 1913.

License Verified:

License: 650148

New York State Department of Financial Services

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.
4.7
Google
5.0 / 5 (112)
Facebook
4.0 / 5 (39)

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
16c North Greenbush Road, Troy, NY 12180
  • Life Insurance

Why choose this provider?

Culnan Insurance Agency, LLC, is an independent insurance agency that provides its services to Albany. It represents multiple insurance companies that have personal and commercial insurance packages. The company's agents offer personal insurance services like individual life insurance, excess liability insurance, home insurance, auto insurance, off-road vehicle insurance, and secondary home insurance. Additionally, they have business insurance like workers’ compensation insurance. Culnan Insurance Agency has provided insurance services for more than 10 years. Bringing over 30 years of experience, Sean Culnan currently owns the firm.

License Verified:

License: 1133817

New York State Department of Financial Services

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 (33)
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
784 Troy Schenectady Road, Latham, NY 12110
  • Health Insurance

Why choose this provider?

Cool Insuring Agency Inc. is an independent insurance company that aims to provide comprehensive insurance solutions to individuals and businesses in Albany. The firm assists employers in delivering life and health insurance policies to their employees. Its insurance brokers specialize in medical, dental, disability, and retirement coverages. The company represents over 12 insurance carriers and helps clients choose the right policy that meets their requirements. The firm was established in 1857 by Charles W. Cool, the first Mayor elected by the City of Glens Falls.

License Verified:

License: 620129

New York State Department of Financial Services

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.
3.7
Google
3.2 / 5 (5)
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
980 Loudon Road, Latham, NY 12110
  • Life Insurance

Why choose this provider?

Justice Insurance Agency is a locally owned and operated company serving the Albany metro and surrounding communities. It caters to businesses and individuals who need insurance services. The agency helps clients acquire life insurance plans tailored to their specific needs. In addition, its team of insurance agents also deals with other insurance services such as boat and recreational, contractor, garage, flood, and office building insurance. Justice Insurance Agency has been in the business since 1991.

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)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
209 Lark Street, Albany, NY 12210
  • Life Insurance
  • Health Insurance

Why choose this provider?

Brick House Insurance Agency is an insurance firm that serves clients in the Albany area. It offers a range of life insurance plans to help clients secure their financial responsibilities to their beneficiaries and loved ones and to prepare for unexpected occurrences in the future. Its policies include whole life, term life, variable life, and universal. Risk protection packages for businesses, vehicles, and properties are available as well. The company is committed to making sure that its customers enjoy peace of mind when it comes to their insurance.

License Verified:

License: 1592185

New York State Department of Financial Services

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 (52)

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
6 Automation Lane, Albany, NY 12205
  • Life Insurance

Why choose this provider?

Pombo Insurance Services is an Albany-based agency that serves the insurance needs of the community. It helps individuals and families find life insurance policies that fit their current situations and financial goals. It offers whole life and term life insurance plans that provide financial protection to the policyholders' dependents. Additionally, the agency handles homeowners' and renters' insurance. The specialists at Pombo Insurance Services also help car owners acquire auto insurance policies.

License Verified:

License: 1102212

New York State Department of Financial Services

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 (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

Website
2129 Central Avenue, Schenectady, NY 12304
  • Life Insurance

Why choose this provider?

2001 Central Insurance Agency is a team of insurance brokers that carries life, pet, and home insurance plans in Albany. The firm educates clients about the benefits of life insurance policies, which include long-term care coverage, college education funds, and supplemental retirement plans. The professionals from this company also offer guidance in dealing with IRAs, fixed guaranteed annuities, and tax-deferred investments. They provide business, taxi, and home insurance options. 2001 Central Insurance Agency is a family-owned company with over 30 years of industry experience.

License Verified:

License: 851188

New York State Department of Financial Services

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
Google
4.0 / 5 (24)
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

Website
1807 Western Avenue, Albany, NY 12203
  • Life Insurance

Why choose this provider?

Murray Group is an independent insurance agency in Albany that serves individuals, families, and businesses throughout the capital region of New York. The family-owned agency specializes in a broad variety of life insurance products, including individual life insurance, long-term disability insurance, long-term care insurance, and child life insurance. It also offers insurance coverage for homes, vehicles, classic cars, and rental properties. Murray Group, formerly the Guilderland Agency, was established by Jim Murray in 1974. Murray focuses on insurance sales, consultation, and maintaining carrier relationships.

License Verified:

License: 629734

New York State Department of Financial Services

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 (328)

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
1280 New Scotland Road, Slingerlands, NY 12159
  • Life Insurance

Why choose this provider?

Bryant Asset Protection is a life insurance provider in Albany. It offers life insurance products for the financial security of beneficiaries if the insured person passes away, such as term life, whole life, and universal life insurance. Clients can avail of its services, which include insurance needs assessment and recommendation. The firm brings over 60 years of knowledge and experience in the industry. The New York State Retired Teachers Association and the New York State Professional Fire Fighters Association are some of its clients.

License Verified:

License: 637561

New York State Department of Financial Services

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 (78)

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
4913 State Rt. 81, Greenville, NY 12083
  • Life Insurance
  • Health Insurance

Why choose this provider?

EP Nevins Insurance Agency, Inc., provides a full range of insurance services for employers and individuals in Albany. These include Medicare Supplement Insurance and Medicare Advantage Plan, income protection should the insured become disabled, and life insurance. It also provides dental insurance that covers X-rays, cleanings, and root canals. It also offers insurance for vision including various eye health expenses. Its team has years of knowledge and has established relationships with its partner providers such as Guardian, Metlife, and ShelterPoint.

License Verified:

License: 1266376

New York State Department of Financial Services

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.
4.7
Google
4.7 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
12 Colvin Avenue, Albany, NY 12206
  • Life Insurance

Why choose this provider?

Knox Insurance Agency, Inc. helps families and businesses in Albany to prepare for future financial responsibilities. This fourth-generation firm was founded in 1906 and has been in the insurance business for more than 100 years. Its agents strive to research rates from reputable carriers, including Foremost Insurance, Safeco, and Zurich Insurance. They are also dedicated to building personal relationships with clients to help ensure that their chosen policy meets each family and individual's insurance needs. Knox Insurance Agency, Inc. handles life, auto, and property insurance.

License Verified:

License: 743247

New York State Department of Financial Services

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 (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
454 Sand Creek Road, Albany, NY 12205
  • Life Insurance

Why choose this provider?

HMS Agency, Inc., is a family-owned and family-operated company that offers life insurance policies to clients in Albany and the surrounding communities. It also provides other personal insurance plans, which cover pets, motorcycles, boats, and recreational vehicles. In addition, HMS Agency customizes business automobile, professional liability, and commercial property insurance solutions. One of its principals, William J. Mather, Sr., holds a Chartered Life Underwriter designation and has been in the insurance industry for more than five decades.

License Verified:

License: 868193

New York State Department of Financial Services

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.
4.1
Google
4.0 / 5 (19)
Facebook
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
961 Hoosick Road, Troy, NY 12180
  • Life Insurance
  • Health Insurance

Why choose this provider?

Mick Butler is a State Farm insurance agent that serves clients in Albany and the surrounding counties. He can examine existing life insurance policies to find missing coverages, from final expenses to business ownership transfers. He also offers to transition clients from term-life to whole-life policies or universal life policies. Mick can process term-life renewals, policy changes, and policy claims either online or in person. His other insurance products include home insurance, auto insurance, and health insurance.

License Verified:

License: 796062

New York State Department of Financial Services

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)

Website
2022 Western Avenue, Albany, NY 12203
  • Life Insurance
  • Health Insurance

Why choose this provider?

The Bradley Agency is an independent insurance company located in Albany. It offers term life and whole life insurance plans for individuals and families. The agency also has insurance products covering long-term care, indemnity plans, personal disability income, HMOs, and PPOs. Additionally, it provides coverage options for autos, properties, general liabilities, and personal catastrophe liabilities. The agency's owner and principal insurance agent, Bernadette Fuller, has been in the industry for over 20 years. She is also a Chartered Property Casualty Underwriter.

License Verified:

License: 960126

New York State Department of Financial Services

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
Google
3.0 / 5 (7)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
344 Route 9W, Glenmont, NY 12077
  • Life Insurance

Why choose this provider?

Jennifer C. Messing Insurance Agency is an insurance agency that provides insurance services to families and businesses in Albany and surrounding communities. It carries life insurance plans like whole life insurance, term insurance, guaranteed universal life insurance, and long-term disability income. Additionally, it provides farm insurance packages like residence/barn, farm equipment, livestock, and farm & business liability insurance. Jennifer C. Messing, a Westchester County native, became a licensed property and casualty and life insurance agent with American National after graduation.

License Verified:

License: 1196221

New York State Department of Financial Services

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

Frequently Asked Questions

  • Should you get Guaranteed Issue life insurance in Albany if you are healthy?

    Because Guaranteed Issue life insurance allows you to avoid medical exams, it may be less valuable in your case than traditional insurance. For being healthy, you can obtain lower-cost life insurance premiums in Albany through traditional policies. Guaranteed Issue life insurance is a better option for people with health issues.

  • When is an irrevocable life insurance beneficiary designation useful in Albany?

    Consider making an irrevocable life insurance beneficiary designation during divorce and when you have a second marriage or blended family. This procedure ensures that your insurance benefits reach your designated beneficiary after your death. For example, it permits benefits to be paid to your biological child rather than your stepchildren or spouse. In Albany, an irrevocable designation can also be used during divorce settlement to prevent the wife from being written off the policy without permission.

  • Can you really get lower premiums in Albany if you buy a no-load or low-load policy?

    A no-load or low-load policy is referred to as such because it includes fewer expenses, such as marketing costs and agent commissions, which can result in savings for policyholders. These policies can typically be purchased directly from insurance companies or financial advisors in Albany who charge flat fees for their services.

  • Can you use life insurance as a source of income upon retirement in Albany?

    Yes, if your Albany life insurance policy includes an investment option or a cash value component. Variable-life or equity-indexed life insurance, for example, allows you to invest in mutual funds and index stocks to fund your retirement. When you retire, you can withdraw the cash value component of your permanent life insurance policy.

  • How much money can you get from your claim in Albany under state protection if your insurance company goes bankrupt?

    If your insurance company goes bankrupt, the Life Insurance Guaranty Corporation of New York will pay up to $500,000 in claim payments. This is the total amount for death benefits and cash-value payments per insured person, which means this is the most you can get regardless of how many different or the same type of policy you obtained from the insolvent company in Albany.

  • 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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