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Best Life Insurance Companies in New York City

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Adorno-Denker Associates, Inc. logo
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Adorno-Denker Associates, Inc.

4502 Broadway, Long Island City, NY 11103
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Business Description

Adorno-Denker Associates Inc. is an independent insurance agency specializing in commercial and personal insurance for more than 60 years. The agency's life insurance products are aimed at individuals living in New York, New Jersey, and Connecticut. As the agency is independent, its agents can find the best policies from multiple carriers to fund a range of needs, such as paying for the policyholder's funeral, covering mortgage payments, and building a new source of income for retirees.

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)

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
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Detail
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Alex Mason logo
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Alex Mason

420 Lexington Ave Fl 15, New York, NY 10170
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Business Description

Alex Mason is a licensed insurance agent in New York for New York Life that serves clients throughout the area. The coverage specialist helps individuals choose a whole life insurance policy that fits their financial situation and meets their family's future needs. This coverage has a cash value that clients can access through policy loans as a retirement supplement as their protection needs decrease. Alex Mason also offers long-term care insurance policies.

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
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BQ of New York, Inc. logo
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BQ of New York, Inc.

1501 Broadway Ste 2907, New York, NY 10036
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Business Description

Located in Times Square, BQ of New York Inc. is a life and health insurance company in New York, serving Asian-American communities since 2002. The agency employs agents nationwide, each trained to source policies from multiple carriers and provide expert advice on coverage needs and additional financial services. The agency is a pioneer in the Chinese Life Brokerage market. It can also support all annuity business services for clients throughout the Northeast.

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
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Colleen Donahue logo
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License Verified:

License: 813694

New York State Department of Financial Services

Colleen Donahue

150-49 Hillside Avenue, Queens, NY 11432
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Colleen Donahue is an insurance agent connected with StateFarm that serves New York City and the surrounding areas. She is a second-generation agent that carries on her father's legacy. She offers life insurance coverage, including term life, whole life, and universal life policies. She also offers auto, home, property, and business insurance products. Outside of work, Colleen enjoys giving back to the community through charity work and financial support. She supports several organizations like The National MS Society, Cancer Society, City Harvest, and DonorsChoose.org.

License Verified:

License: 813694

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 (158)
Facebook
5.0 / 5 (13)
Yelp
4.0 / 5 (9)

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
DiPaola Financial Group logo
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DiPaola Financial Group

60 E 42nd St Ste 1050, New York, NY 10165
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Business Description

The DiPaola Financial Group is an independent financial services and life insurance agency in New York that represents some of the biggest insurance companies in the U.S., such as National Life of Vermont and Ameritas. Its agents develop programs that cover an array of purposes, such as paying off mortgages and providing retirement incomes. The agency also offers long-term care plans and various health insurance policies for individuals and groups.

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
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Detail
Exquisite Probiz LLC logo
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Exquisite Probiz LLC

PO Box 301087, Jamaica, NY 11430
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Business Description

Exquisite Probiz LLC is an independent financial services agency that serves individuals and small businesses in New York. Although the agency prioritizes its tax services, it does offer life insurance policies and long-term care plans. Its agents can customize plans for various purposes, such as mortgage protection, wealth management, and funeral expenses. Exquisite Probiz LLC also supports immigrants establishing themselves in the United States, offering citizenship and Green card 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
4.9 / 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.
5.0
Responsiveness
Friendliness
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Detail
Fidelity Investments logo
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Fidelity Investments

330 Park Ave S, New York, NY 10010
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Business Description

Fidelity Investments is an international financial services and life insurance agency in New York. It offers a wide variety of services and programs to manage wealth, generate income, and protect assets. Its term, universal, and hybrid life insurance policies are suitable for an array of purposes, such as sending children and grandchildren to college, paying for long-term care while still protecting retirement income, and transferring wealth to family and loved ones.

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
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Foa & Son logo
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License Verified:

License: 641078

New York State Department of Financial Services

Foa & Son

122 East 42nd Street, New York, NY 10168
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  • Life Insurance
  • Health Insurance

Business Description

Founded by Fortunato Foa in 1861, Foa & Son is a New York City-based insurance brokerage firm that serves clients in various locations nationwide. It assists business owners in providing employee benefits, which include life and health insurance, as well as retirement plans. It also crafts commercial insurance policies that suit the needs of the clients. Its chairman, Conrad Foa, has served as the Director and President of the Insurance Brokers Association of the State of New York.

License Verified:

License: 641078

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 (4)

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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Great World Insurance Agency, LLC logo
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Great World Insurance Agency, LLC

244 5th Ave Ste 2086, New York, NY 10001
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Business Description

Great World Insurance Agency LLC is an independent life insurance company in New York. Its agents have plenty of experience arranging a variety of life insurance programs to meet any need, from covering funeral expenses and protecting mortgages to funding college tuition and generating income in retirement. The agency also develops Medicare supplement plans for the over-65s. Its agents have access to the policies of many of the biggest insurance carriers, including Progressive and The Hartford.

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
Facebook
3.5 / 5 (4)
Grober Imbey Agency, inc. logo
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Grober Imbey Agency, inc.

1 Sunrise Plz, Valley Stream, NY 11580
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Business Description

Founded in 1974, Grober Imbey Agency Inc. is a family-owned independent insurance agency from New York that operates throughout the Greater Tri-State Region. It's built strong relationships with more than 20 major insurance carriers, enabling its licensed agents to offer clients a wide choice of life and health insurance products. These include policies aimed at individuals, dental insurance, health savings accounts, and long-term care plans. The agency also offers group life and health benefits packages for business customers.

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
Facebook
4.9 / 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
Jimco Associates Inc logo
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License Verified:

License: 865560

New York State Department of Financial Services

Jimco Associates Inc

41 Reeve Place, Brooklyn, NY 11218
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  • Life Insurance
  • Health Insurance
  • Group Plans

Business Description

Jimco Associates Inc is an insurance agency that serves clients in New York City. It specializes in group life insurance, group health insurance, medicare, voluntary benefits, and property & casualty for companies in the tri-state area. It also offers consultations to identify the client's needs, determine the scope of their goals and its financial capacities. Owner James Cosares founded the company in 1995. For over 26 years, he has helped entrepreneurs in understanding the risks and benefits of various employee insurance options.

License Verified:

License: 865560

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Marchetti & Sabatelli Associates Inc. logo
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License Verified:

License: 914329

New York State Department of Financial Services

Marchetti & Sabatelli Associates Inc.

9217 5th Avenue, Brooklyn, NY 11209
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  • Life Insurance
  • Health Insurance

Business Description

Marchetti & Sabatelli Associates Inc. is a full-service insurance agency serving clients in New York City. It is an independent firm employing a rating and management system that compares coverage and insurance plan designs from several carriers, enabling its specialists to automatically produce insurance documents for clients. It offers auto insurance, business insurance, home insurance, and group benefits products. It also offers life insurance products such as term life insurance, whole life insurance, and term and whole life combined.

License Verified:

License: 914329

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
Michael Pechersky - Barnum Financial Group logo
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Michael Pechersky - Barnum Financial Group

155 E 44th St Fl 12, New York, NY 10017
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Business Description

Michael Pechersky CFA is a financial and investment advisor with the multi-award-winning Barnum Financial Group. Since 2001, Mr. Pechersky has been licensed to offer financial products and services in New York, which includes customized life, health, and disability insurance plans provided by major insurance companies, including MetLife and The Hartford. Mr. Perchersky can develop tailored programs such as policies that offer tax-deferred asset protection, make charitable donations upon the policyholder's death, and replace income on retirement.

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 (5)

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
Plan Medicare logo
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Plan Medicare

745 5th Ave Ste 500, New York, NY 10151
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Business Description

Based in three locations in Melville, Long Island, and Midtown Manhattan, Plan Medicare is an independent agency that specializes in helping clients understand the various functions, benefits, and possibilities of Medicare. Its agents provide one-on-one consultations, helping their client choose, enroll, and maintain the best Medicare coverage available. Appointments can be conducted in person, on the phone, or in the client's home. The agents specialize in Parts A, B, and C, of Medicare, and supplement plans.

PWG Insurance Agency logo
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PWG Insurance Agency

10521 Metropolitan Ave, Forest Hills, NY 11375
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Business Description

The PWG Insurance Agency is an independent brokerage with more than 20 years of experience selling and maintaining a variety of insurance products for individuals and businesses in New York. Its life and health policies can be tailored for individuals and groups. The life plans include whole life, universal life, and term life, while the health plans can fund an array of circumstances, such as hospital confinement, major surgery, and long-term home care.

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 (5)
Reliance Insurance Agency, Inc. logo
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License Verified:

License: 1053913

New York State Department of Financial Services

Reliance Insurance Agency, Inc.

45-04 30th Avenue, Queens, NY 11103
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  • Life Insurance
  • Health Insurance

Business Description

Reliance Insurance Agency, Inc. is a life insurance advisor servicing clients in New York City. The firm connects clients to insurance carriers offering term policies lasting from one to 30 years and permanent policies such as traditional universal life, whole life, and variable universal life. Clients will be guided by agents through every policy so that they can select the one suitable to their unique needs and objectives. Other personal insurance options provided by the company are flood insurance, personal umbrella insurance, homeowners insurance, and renters insurance.

License Verified:

License: 1053913

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
Facebook
4.0 / 5 (18)
Google
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
Safe Policies Insurance logo
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Safe Policies Insurance

110 Wall St Fl 3, New York, NY 10005
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Business Description

Safe Policies Insurance offers comprehensive personal and group health insurance solutions. The independent health insurance company in New York partners with more than 30 top-tier carriers to deliver the coverage its clients require. It represents individuals as well as multinational companies with more than 100 employees. Safe Policies Insurance agents evaluate each situation to provide HMO, PPO, FFS, or POS policies and supplemental plans, such as Medicare, dental, vision, and disability.

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
Silver Lining Insurance logo
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License Verified:

License: 1600351

New York State Department of Financial Services

Silver Lining Insurance

120 Broadway, 37th Floor, New York, NY 10271
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  • Life Insurance

Business Description

Silver Lining Insurance is an independent agency that has been serving clients in New York City and the surrounding areas for more than three decades. It offers term and permanent life insurance policies. It also provides special needs and retirement planning services. The company customizes personal umbrella, auto, and homeowners' insurance options. Commercial property, workers' compensation, and general liability insurance solutions are available for businesses. President and CEO Michael M. Silverman holds Chartered Life Underwriter, Certified Insurance Counselor, and Chartered Financial Consultant designations.

License Verified:

License: 1600351

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
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Detail
Steven Leiner logo
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License Verified:

License: 718733

New York State Department of Financial Services

Steven Leiner

PO Box 4995, New York, NY 10185
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  • Life Insurance

Business Description

Steven Leiner serves New York City and the neighboring areas. He is an independent insurance agent under Security Mutual Life that helps policyholders shop for insurance products that protect their loved ones. He offers many types of life insurance, including whole, term, universal, and survivorship. Leiner personally meets with clients, addresses their concerns, and guides them in making well-informed decisions in choosing coverage plans tailored to their needs. He is a member of Security Mutual's TopFlight Group.

License Verified:

License: 718733

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.
3.9

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
––
Summit Coverages, Ltd logo
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License Verified:

License: 606125

New York State Department of Financial Services

Summit Coverages, Ltd

365 Bridge Street, Brooklyn, NY 11201
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  • Life Insurance

Business Description

Summit Coverages, Ltd, is an independent insurance agency in New York City. Since 1979, the company has provided clients with various insurance products. These include life insurance products, specifically term life insurance and whole life insurance. The company has access to multiple life insurance carriers. Agents study insurance products in the marketplace and find coverage that meets their clients' criteria. Summit Coverages has decades of experience handling multiple policies, dealing with companies, and complying with laws and guidelines.

License Verified:

License: 606125

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.
4.0
Responsiveness
Friendliness
Helpfulness
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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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