Expertise.com
2024

Last updated:

Best Life Insurance Companies in Bend

Our Recommended Top 8

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 Bend 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.

3425

Reviewed

2058

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
740 Northeast 3rd Street, Bend, OR 97701
  • Life Insurance
  • Health Insurance

Why choose this provider?

Bend Health Insurance is an insurance agency that caters to the citizens of Bend. It provides life insurance policy options, particularly term life insurance and permanent life insurance. Aside from these, the company also assists in other types of insurance policies. These include health insurance, such as Medicare Advantage plan, Medicare Supplement plan, and Medicare Prescription Drug plan. In addition, Bend Health Insurance also aids individuals and families with personal insurance, including dental and vision plans and home 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.
4.5
Google
5.0 / 5 (7)
Yelp
1.0 / 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

Website
63130 Lancaster Street, Bend, OR 97701
  • Life Insurance

Why choose this provider?

Jessica Anderson is a professional State Farm Insurance agent who serves residential and commercial clients in Bend and its surrounding cities. She offers a broad range of insurance products, including life, health, pets, automobiles, and home. She also offers commercial and renters' insurance coverage to her clients. Jessica has 22 years of experience in leadership and management. She is currently a volunteer and contributor to several humanitarian causes, including opposing children and women trafficking, and has worked with various community businesses to raise awareness.

License Verified:

License: 11039323

Oregon Division of Financial Regulation

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)
Yelp
5.0 / 5 (6)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
320 Southwest Upper Terrace Drive, Bend, OR 97702
  • Life Insurance

Why choose this provider?

Century Insurance Group, LLC, is an agency that provides life coverage options to residents of Bend, the rest of Oregon, and its surrounding areas. The company offers term life policies and whole or universal life insurance to its clients. Its team informs its customers on the policies' differences and aids them in choosing which is suitable for themselves and their families. Century Insurance Group, LLC, also provides home, auto, motorcycle, boating, umbrella, and commercial insurance.

License Verified:

License: 100158492

Oregon Division of Financial Regulation

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.
3.8
Google
4.0 / 5 (48)
Facebook
3.0 / 5 (7)
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.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
598 Northwest Hill Street, Bend, OR 97701
  • Life Insurance

Why choose this provider?

Located in Bend, The Duck! Insurance Agency is an insurance provider that serves individuals, families, and businesses in the area. It offers different forms of life insurance, including term life, permanent life, whole life, and universal life insurance policies. It also allows its clients to customize their healthcare insurance plans based on their specific needs. Its other services offered are short-term care and retirement planning. Furthermore, the company aims to help its clients find suitable products within their budget.

Website
123 Southwest 5th Street, Redmond, OR 97756
  • Life Insurance
  • Health Insurance

Why choose this provider?

Joe Lochner is a State Farm insurance agent who serves clients from all over the Bend metro. He assists individuals and businesses in getting life insurance policies. Joe was a Marketing graduate, an Agent Chamber of Commerce board member for 23 years, and a Chamber President in 2004. In addition, he is a Legion of Honor Qualifier for nine years. The agent also processes banking, mutual funds, and annuities and offers insurance coverage for auto, properties, pets, and businesses.

License Verified:

License: 100164061

Oregon Division of Financial Regulation

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
1201 Northwest Wall Street, Bend, OR 97701
  • Life Insurance
  • Health Insurance

Why choose this provider?

Cascade Insurance Center is an independent insurance agency that caters to individuals, families, and businesses in Bend and the surrounding communities. It carries term life, whole life, and universal life insurance policies. It also offers personal umbrella, auto, watercraft, flood, home, and renters' insurance coverages. The agency's business insurance solutions include commercial property and liability insurance. Individual and group health plans, including Medicare, are also available. Patrick O'Keefe, the agency's owner, has been in the insurance business since 1992.

License Verified:

License: 100161512

Oregon Division of Financial Regulation

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.
3.8
Google
3.0 / 5 (13)
Facebook
5.0 / 5 (7)
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
Responsiveness
Friendliness
Helpfulness
Detail

Website
21155 Scottsdale Drive, Bend, OR 97701
  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Why choose this provider?

InsureBend.com is a risk management specialist that serves residents in Bend. Included in its product line is life insurance which can provide long-term care funding, shoulder expenses for lost income, or fund estate plans. Furthermore, the company can also furnish insurance plans for key employees of a business. In addition to life insurance, InsureBend.com offers health insurance plans with the help of its partner carriers, including Cigna, Mutual of Omaha, Moda Health, and United Healthcare.

License Verified:

License: 100154864

Oregon Division of Financial Regulation

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

Website
1824 Northeast Division Street, Bend, OR 97701
  • Life Insurance
  • Health Insurance

Why choose this provider?

Steve Thill with AIC Insurance Agency offers life insurance products for clients in Bend. Thill provides a wide range of life insurance options, such as term, whole, and universal life insurance plans. Insurance products for vehicles, properties, homes, contractors, and health are also available. Thill, who has been living in Central Oregon for over 25 years, has been in the industry for 15 years and is well-versed in handling the needs of residents in the area.

License Verified:

License: 8218002

Oregon Division of Financial Regulation

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 (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
Helpfulness
Detail

Frequently Asked Questions

  • What are the advantages and disadvantages of term life insurance for people living in Bend?

    Term life insurance is a good choice for Bend residents who want to give money to their loved ones when they pass away but do not have a lot of money for insurance payments. The payments for term life insurance are cheaper, and individuals can decide how many years they want to be covered. However, term life insurance does not let people invest their money. There will not be any payment if policyholders live longer than the coverage period.

  • What are the primary factors that insurance companies consider when determining life insurance rates in Bend?

    In Bend, life insurance providers factor in various variables, such as age, gender, and medical history, when determining insurance premiums. Insurance providers also factor in the type of coverage selected by applicants, which can be either whole life or term life insurance. Acquiring life insurance becomes more expensive as individuals age due to declining health and an increased likelihood of an earlier death. On the other hand, younger individuals tend to enjoy more affordable rates, given their lower risk of premature death.

  • What optional riders are available to Bend life insurance applicants and policyholders?

    Residents of Bend can customize their life insurance policies by incorporating various riders, including the accelerated death benefit for terminal illness. This rider grants access to a portion of the death benefit in case the policyholder receives a terminal illness diagnosis. Individuals may also consider the unemployment cost waiver rider, which eliminates monthly insurance deduction expenses if the policyholder experiences unemployment.

  • What are the cash value benefits of universal life insurance policies in Bend?

    In Bend, universal life insurance policyholders can get money from their policies whenever they want, which can help if there is an emergency. After having the policy for 10 years, they can get a special loan based on the cash value, and there is no extra interest added. After the first policy year, the insured can take out up to 10% of what they have saved without having to pay extra charges.

  • What key aspects of Oregon's insurance regulations should both life insurance policyholders and insurers in Bend be familiar with?

    According to Oregon regulations, residents of Bend who hold life insurance policies are granted a 30-day window within which they can secure a new policy if needed. Additionally, policyholders are given a 31-day grace period to settle any overdue life insurance premiums. Insurers are also prohibited from canceling a policy within the first two years if there was an error on the initial application.

  • 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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