Expertise.com

2024

Last updated:

Best Life Insurance Companies in Syracuse

Our Recommended Top 18

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 Syracuse 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.

6132Reviewed

3686Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1745 Penfield Road, Syracuse, NY 14526
WebsiteLicense: 643375

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Why choose this provider?

MGM Associates Insurance is a licensed insurance agency in Penfield that offers insurance solutions and services to clients in the Syracuse metro. The firm has been operating since 1984 and is composed of 20 insurance professionals with over 250 years of combined industry experience. The firm offers life insurance solutions such as universal life, term life, and whole life insurance policies that provide death benefits, living benefits, and investment opportunities. It also offers coverage for disabilities and healthcare needs.

  • Life Insurance
  • Health Insurance

706 North Clinton Street, Syracuse, NY 13204
WebsiteLicense: 925601

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Review Sources

Google
4.0 (28)
Facebook
5.0 (13)

Why choose this provider?

Serving the community of Syracuse, OneGroup is an agency that helps individuals and families prepare for the unexpected through life insurance. This type of insurance plan covers the financial needs of surviving family members, such as college education funds and daily living expenses. The company also offers other insurance programs, such as automobile, recreational vehicle, earthquake, umbrella, and renters' insurance. OneGroup is comprised of over 200 professionals in the fields of business and personal insurance, wealth management, and financial planning.

  • Life Insurance

136 East Genesee Street, Baldwinsville, NY 13027
WebsiteLicense: 1364558

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Review Sources

Google
5.0 (50)
Facebook
5.0 (18)

Why choose this provider?

Horan Companies is an independent multi-line agency that serves the Syracuse area. Included in its product range is individual life insurance which may involve whole life, universal life, or term life policies. Its team of agents works with different carriers such as Progressive, Erie, and Plymouth Rock, allowing them to review and find policy options that will match clients' specific needs. In 2015, Horan Companies has bee named Business of the Year by the Baldwinsville Chamber of Commerce.

  • Life Insurance

701 North State Street, Syracuse, NY 13203
WebsiteLicense: 1051590

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Review Sources

Google
4.0 (21)

Why choose this provider?

Liverpool Associates Insurance Agency is a life insurance firm that serves clients in Syracuse. The company provides various life insurance options such as term, whole, and universal life insurance. There are also insurance plans for businesses, renters, and homeowners. The firm has partnered with top insurance carriers like Utica First Insurance Company, National General Insurance, and Main Street America. Currently led by Ron Ciricillo, the agency remains committed to providing customized plans based on clients' personal needs.

  • Life Insurance

2005 West Genesee Street, Syracuse, NY 13219
WebsiteLicense: 658631

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Review Sources

Google
5.0 (6)
Facebook
5.0 (4)

Why choose this provider?

Located in Syracuse, Ellis, Moreland & Ellis is an independent insurance agency that has been serving Central New York residents for more than 100 years. It offers various types of life insurance products, including term life insurance, whole life insurance, and universal life insurance. Some of the insurance companies that the firm is partnered with are the Dryden Mutual Insurance Company, Erie and Niagara Insurance Association, Berkshire Hathaway GUARD Insurance Companies, and American Modern Insurance Group.

  • Life Insurance

5320 West Taft Road, North Syracuse, NY 13212
WebsiteLicense: 1097969

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Review Sources

Google
4.0 (209)
Facebook
5.0 (26)
Yelp
5.0 (1)

Why choose this provider?

Grimsley Agency of NY in North Syracuse has been catering to the insurance needs of customers across the Syracuse metro for over three decades. It works with more than 40 carriers to bring a range of insurance products to individuals, families, and businesses. It helps clients acquire life insurance policies that ensure financial stability to protect their beneficiaries. Customers can choose from term life plans or permanent life insurance policies. The firm's specialists can help clients determine which type of life plan suits their needs.

  • Life Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

725 Erie Boulevard West, Syracuse, NY 13204
WebsiteLicense: 1218782

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Review Sources

Google
4.0 (3)

Why choose this provider?

White Harbor Group is an insurance agency that has been servicing Syracuse since 2019. It offers a term, universal, and whole life insurance for individuals and their families. The policy also carries products such as final expense, fixed annuities, and mortgage protection insurance plans. Its team of independent agents partners with multiple insurance companies and help clients choose from a wide range of tailored solutions based on their needs, including Gerber Life Insurance, Ameritas, and Leatherstocking Cooperative Insurance Company.

  • Life Insurance

112 Dewitt St 202, Syracuse, NY 13203
WebsiteLicense: 1067438

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Review Sources

Google
5.0 (4)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Established in 1994, Fiscal Fitness is an independent insurance brokerage that serves small businesses and individuals in Syracuse. It offers a range of risk management strategies, including disability and life insurance, Medicare plans, and long-term care insurance. It also has group dental and health insurance as well as retirement plans and NY statutory disability insurance. Additionally, it provides tax services for businesses and individuals. Fiscal Fitness owner and founder Clark Gronsbell previously worked as a public accountant in Washington, DC.

  • Life Insurance

4875 South Avenue, Syracuse, NY 13215
WebsiteLicense: 1112275

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Review Sources

Google
5.0 (12)

Why choose this provider?

Don Marsh Agency, Inc., is an insurance company that serves clients in the Syracuse area. It provides a range of life insurance policies, which customers can avail to help them secure their financial obligations to their families before they pass away. The policies include universal life, which gives permanent protection, and term life, which gives coverage for a limited period of time. Don Marsh Agency has been in the industry for more than 25 years.

  • Life Insurance

933 State Fair Boulevard, Syracuse, NY 13209
WebsiteLicense: 744843

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Review Sources

Google
4.0 (44)
Yelp
5.0 (1)

Why choose this provider?

Craig Agency is a family-owned business led by three generations of agents and brokers. It provides insurance solutions to individuals, families, and businesses in Syracuse and other surrounding areas. It finds the best coverage that fits its clients' needs and liaises with insurance carriers during claims. The company offers various life insurance products, including term, universal, variable universal, and traditional whole. In addition, it also handles homeowners' and renters' insurance and auto, boat, and motorcycle policies.

  • Life Insurance
  • Health Insurance

306 East 1st Street, East Syracuse, NY 13057
WebsiteLicense: 1282935

Expertise.com Rating

Review Sources

Google
4.0 (62)
Facebook
5.0 (23)

Why choose this provider?

Brenda Flagg is a State Farm insurance professional in East Syracuse. Included in her product range is life insurance which has three types: whole life, universal life, and term life. She assists clients throughout the process, from furnishing plans and making policy adjustments to filing claims. Flagg, who also offers auto and business insurance, has been providing risk management assistance for over four decades. She is active at her local church and is involved with local organizations that help the youth.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

906 Spencer Street, Syracuse, NY 13204
WebsiteLicense: 663557

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Review Sources

Google
4.0 (65)
Facebook
4.0 (32)
Yelp
5.0 (1)

Why choose this provider?

Established in 1983, the family-owned Delmonico Insurance Agency has been serving the insurance needs of Syracuse and other nearby metros. It matches appropriate life insurance policies that fit an individual's rating criteria. The company's agents conduct a comprehensive need analysis to determine the right coverage for its clients. Its life insurance products include term life or whole life insurance. In addition, it also offers homeowners and renters insurance, as well as auto and recreational vehicle insurance.

  • Life Insurance

6003 South Salina Street, Syracuse, NY 13205
WebsiteLicense: 1478104

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Review Sources

Google
4.0 (58)
Facebook
4.0 (13)

Why choose this provider?

Sarah Wood is a State Farm insurance agent servicing the Syracuse community. She provides term, whole, and universal life insurance coverage options to individuals who want to secure the futures of their families. The policies are also available for small businesses which can serve different purposes such as business continuation, key employees, employee benefits, and key employee incentives. Wood and her team also offer auto, health, home, and pet insurance. Moreover, they specialize in handling banking and annuities.

  • Life Insurance
  • Health Insurance
  • Individual Plans

440 South Warren Street, Syracuse, NY 13202
WebsiteLicense: 650062

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Headquartered in Syracuse, Parsons & Associates, Inc., is a third-generation family-owned insurance agency and brokerage that has been serving the state of New York for almost a century. It offers life insurance, as well as both long-term and short-term disability insurance. President Robert M. Parsons is a Certified Insurance Counselor that has been working in the insurance industry for more than 30 years. Parsons & Associates is a member of Professional Insurance Agents.

  • Life Insurance

528 Plum Street, Syracuse, NY 13204
WebsiteLicense: 633657

Expertise.com Rating

Review Sources

Google
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

Bailey Place Insurance provides risk management assistance from its Syracuse location. Its team of independent agents helps clients obtain different types of protection, including life insurance which can provide protection either for a lifetime or a specific number of years. They review policies from numerous partner carriers like Nationwide and Progressive in order to find plans that cover clients' unique needs. Bailey Place Insurance, which also has offices in Rochester, Dryden, and Cortland, traces its roots back to the 1850s.

  • Individual Plans
  • Group Plans
  • Life Insurance

744 Pre Emption Road, Syracuse, NY 14456

Expertise.com Rating

Why choose this provider?

Touhey Insurance LLC is an independent insurance agency near Syracuse that offers personal and commercial insurance products to clients in the metro. The company has been operating for more than 80 years and is composed of licensed insurance brokers and financial advisors. Its team carries out underwriting and selling activities for life insurance products such as term life and permanent life insurance. Touhey Insurance also offers insurance plans for homes, automobiles, rental properties, businesses, and employees.

  • Life Insurance

3700 James Street, Syracuse, NY 13206
WebsiteLicense: 627411

Expertise.com Rating

Review Sources

Facebook
4.0 (5)

Why choose this provider?

Salanger & Hayward Agency, Inc. is a family-owned and family-operated agency based in Syracuse. As a second-generation independent insurance agency, it works with top-tier insurance providers to custom design the coverage and protection for each client. Since 1969, Salanger & Hayward Agency has been a strategic resource of single-policy programs and total insurance programs. Life insurance is among the insurance products the agency recommends for safeguarding individuals, families, and their assets. Salanger & Hayward Agency, Inc. also provides auto, home, and business insurance.

  • Life Insurance
  • Health Insurance

66 Main Street, Syracuse, NY 14502
WebsiteLicense: 749850

Expertise.com Rating

Review Sources

Facebook
5.0 (19)
Google
5.0 (17)

Why choose this provider?

Serving residents of Syracuse, J.D. Chapman Agency, Inc., is an independent insurance agency founded in 1958. The agency provides personal insurance coverages including life, car, motorcycle, boat, and watercraft insurance. Furthermore, commercial insurance coverages can also be assisted, such as commercial auto and workers' compensation, general liability insurance, and Business Owners Policy (BOP). Bruce Chapman is the current president of the agency, who is also a Trustee of the First Baptist Church in Macedon and a member of the NRG Referral Group of Fairport.

  • Life Insurance

FAQs

  • What are your options for life insurance plans in Syracuse?

    There are two main types of life insurance policies in Syracuse: term and permanent. Term life insurance offers coverage within a certain period of time; it can be 10, 20, or 30 years. This type of insurance is less expensive compared to permanent life insurance. If you have the budget, permanent life insurance may be better for you. It offers coverage for the duration of your life. Additionally, it has a savings component. This means that the accumulated cash value over time allows you to have extra money for your retirement or other expenses.

  • Does whole life insurance in Syracuse have tax benefits?

    Yes, whole life insurance in Syracuse has tax benefits. For one, your beneficiaries will receive an income-tax-free sum of money in the event of your death. Your whole life insurance plan's cash value will also not be taxed while it is growing; this is also known as "tax deferred". Should you decide to access your whole life insurance's cash value, you can take out loans or withdraw the money without taxes; just make sure they are structured properly. Plus, life insurance benefits can pay for the estate taxes of their beneficiaries.

  • Can you get life insurance in Syracuse even if you have a pre-existing condition?

    Yes, it is possible to get life insurance in Syracuse even if you have a pre-existing condition. To increase your chances of qualifying, you need to prove to insurance providers that you are getting better. Follow your treatment plan, exercise regularly, and lose weight so you can have a better quality life, which can help you get life insurance.

  • Is a physical exam required to get life insurance in Syracuse?

    Most insurance companies in Syracuse require individuals to undergo a physical exam before they are approved for life insurance coverage. However, there are several non-medical life insurance options available if you prefer not to take a physical exam. Some examples of life insurance that do not require medical exams are simplified issue life insurance, guaranteed issue life insurance, employer-paid group life insurance, and instant-approval term life insurance. An insurance provider may still require you to take a medical exam if you have a terminal illness, seriously impaired health, or a request for an unusually large amount of coverage.

  • Can you borrow money from your whole life insurance policy in Syracuse?

    Yes, you can borrow money from your whole life insurance policy in Syracuse, as long as it has sufficient funds in its cash value to secure the loan. You can make withdrawals against the cash value or take out a loan against the cash value. Withdrawals will reduce the available cash value and lower your death benefit. While loans may not deplete the policy's cash value, they must be repaid, or the outstanding balance will be deducted from your death benefit.

  • 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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