Expertise.com

Best Life Insurance Companies in Cheektowaga

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Life Insurance Companies FAQs

Learn more
Cesar Group Insurance logo
Visit WebsiteWebsite

License Verified:

License: 629581

New York State Department of Financial Services

Cesar Group Insurance

354 Cayuga Road, Buffalo, NY 14225
Visit WebsiteWebsite
  • Life Insurance

Business Description

Cesar Group Insurance is a full-service insurance provider that serves individuals and businesses in Cheektowaga. Established in 1955 by Bernard A Cesar, Sr., it connects clients with life insurance policies that serve to protect their long-term financial interests. It educates clients on their life insurance options and find policies that benefit their dependents in crucial ways, such as replacing the provider's lost income or paying for future educational expenses. This firm manages traditional whole life, universal life, and variable universal life insurance policies.

License Verified:

License: 629581

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.
4.6
Google
4.0 / 5 (13)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Cheektowaga Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 673522

New York State Department of Financial Services

Cheektowaga Agency, Inc.

3 Kelly Drive, Cheektowaga, NY 14227
Visit WebsiteWebsite
  • Life Insurance

Business Description

Cheektowaga Agency, Inc., is home to insurance professionals, each having 26 years of experience in the industry. Its team is equipped to help clients acquire life insurance policies. In addition, the agency offers other insurance types, such as renters', umbrella, and auto insurance plans. As an independent agency, it represents numerous insurance carriers with appropriate terms and conditions for their clients' individual situations. Established in 1955, Cheektowaga Agency is a member of the Independent Insurance Agents & Brokers of New York.

License Verified:

License: 673522

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 (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
Donna Carey logo
Visit WebsiteWebsite

License Verified:

License: 709019

New York State Department of Financial Services

Donna Carey

1045 George Urban Boulevard, Cheektowaga, NY 14225
Visit WebsiteWebsite
  • Life Insurance

Business Description

Donna Carey is a State Farm insurance agent whose team has been serving clients in Cheektowaga and the surrounding areas for more than 30 years. She offers life insurance policies that provide financial security to beneficiaries in the event of an unexpected death. Her team also covers insurance products for automobiles, homes, properties, and pets. Donna has been a State Farm agent since 1988 and a Toys for Tots coordinator for the State Farm Agents of Western New York.

License Verified:

License: 709019

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 (40)
Yelp
3.0 / 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
Encompass Agency logo
Visit WebsiteWebsite

License Verified:

License: 1283589

New York State Department of Financial Services

Encompass Agency

529 French Road, Buffalo, NY 14227
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

Encompass Agency is an insurance brokerage serving individuals and businesses in Cheektowaga. It offers a range of risk management services, including life insurance and coverage for homes, automobiles, and businesses. The brokerage utilizes Google Workspace for its document storage and meetings with clients and an artificial intelligence quoting software for its policy quotes. Encompass Agency CEO Taylor M. Haines previously worked for GEICO and State Farm. He became the sole stockholder of the agency following the retirement of its founder in 2021.

License Verified:

License: 1283589

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 (21)
Google
5.0 / 5 (13)

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 logo
Visit WebsiteWebsite

License Verified:

License: 1090776

New York State Department of Financial Services

Hunt Insurance

432 Dick Road, Depew, NY 14043
Visit WebsiteWebsite
  • Life Insurance
  • Health Insurance

Business Description

Hunt Insurance has been providing comprehensive insurance solutions since 1911. The agency caters to Cheektowaga residents. It offers life insurance, auto insurance, commercial insurance, homeowners insurance, umbrella insurance, and retirement plans. Its agents work with various insurance carriers and perform risk analyses to find the right insurance coverage that meets customers' personal and business needs. Clients have access to other services and products such as mortgages, real estate, and titles to save cash on their whole home purchase.

License Verified:

License: 1090776

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 (14)

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
––
Mesi Agency, Inc. logo
Visit WebsiteWebsite

Mesi Agency, Inc.

759 Dick Road, Buffalo, NY 14225
Visit WebsiteWebsite
  • Life Insurance

Business Description

Mesi Agency, Inc. is a comprehensive insurance company that is located in Cheektowaga. It is an independent agency with over 30 years of experience, serving individual clients and groups with life insurance plans. The company can compare over 40 national and local careers, such as Progressive and New York Central. It can also process applications, claims, and updates to the existing policy for term-life and whole-life plans. The company's other services include auto insurance, homeowners insurance, 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.
4.0
Google
4.0 / 5 (39)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Moses Insurance logo
Visit WebsiteWebsite

License Verified:

License: 683766

New York State Department of Financial Services

Moses Insurance

5475 Main Street, Williamsville, NY 14221
Visit WebsiteWebsite
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Moses Insurance is a Williamsville-based independent agency that extends its services to the Cheektowaga metro. It assists families and individuals in acquiring life insurance plans that may include term, whole, and universal life coverages. Additionally, it offers other personal plans such as home, flood, umbrella, motorcycle, and watercraft insurance. The company works with more than 20 insurance carriers in creating customized coverages. Moses Insurance is a family-owned business that has been in the industry since 1955.

License Verified:

License: 683766

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.
4.8
Google
4.0 / 5 (32)
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
Niagara National Inc. Insurance Group logo
Visit WebsiteWebsite

License Verified:

License: 620038

New York State Department of Financial Services

Niagara National Inc. Insurance Group

5001 Genesee Street, Cheektowaga, NY 14225
Visit WebsiteWebsite
  • Life Insurance

Business Description

Founded in 1951, Niagara National Inc. Insurance Group is an independent insurance agency in Cheektowaga offering individuals and businesses insurance coverage depending on their needs. The firm provides personal insurance, student insurance, business insurance, and employee benefits. Under its personal insurance line, it offers products such as life insurance, homeowners' insurance policies, umbrella liability, annuities, disability income. The company offers a wide range of insurance carriers including A Central, Hanover Insurance, Kemper, Liberty Mutual, and National General Insurance.

License Verified:

License: 620038

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.
4.4
Google
4.4 / 5 (11)

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
Robert E. Schaff Ltd. logo
Visit WebsiteWebsite

License Verified:

License: 668312

New York State Department of Financial Services

Robert E. Schaff Ltd.

33 Central Avenue, Lancaster, NY 14086
Visit WebsiteWebsite
  • Life Insurance

Business Description

Robert E. Schaff Ltd. Insurance & Real Estate is a family-owned agency that has been servicing Cheektowaga for over a century. It offers a wide range of life insurance coverage options for individuals and businesses including term life, whole life, joint, survivorship, and annuities. Its team works with more than 90 insurance companies to present clients with tailored solutions. The agency also specializes in different insurance products under personal and business lines such as farm, dwelling fire, golf cart, and mobile homeowners'.

License Verified:

License: 668312

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 (20)
Facebook
5.0 / 5 (11)

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
Scott Krevat logo
Visit WebsiteWebsite

License Verified:

License: 1076744

New York State Department of Financial Services

Scott Krevat

4504 Main Street, Buffalo, NY 14226
Visit WebsiteWebsite
  • Life Insurance

Business Description

Scott Krevat is a State Farm insurance agent serving residents and businesses in Cheektowaga. He has been with the company since 2008, offering a range of risk management solutions, including annuities and health and life insurance. He also provides coverage for pets, homes, properties, automobiles, and businesses. Additionally, he helps clients with their banking needs. Scott is a Chartered Financial Consultant and holds Series 6 and 63 licenses. He is also a rocket mortgage professional.

License Verified:

License: 1076744

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.
4.9
Google
4.9 / 5 (43)
Facebook
4.3 / 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
The Bakos Agency, Inc. logo
Visit WebsiteWebsite

License Verified:

License: 859628

New York State Department of Financial Services

The Bakos Agency, Inc.

1099 French Road, Cheektowaga, NY 14227
Visit WebsiteWebsite
  • Life Insurance

Business Description

The Bakos Agency, Inc. is a family-owned and family-operated independent insurance agency that has been serving the residents of Cheektowaga and the rest of western New York for almost a century. It offers a wide variety of life insurance products, including term life insurance, whole life insurance, variable life insurance, and universal life insurance. It also provides long-term care insurance and disability insurance. The Bakos Agency, Inc. is a Trusted Choice Agency and a member of Professional Insurance Agents.

License Verified:

License: 859628

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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.

Read all FAQs