Expertise.com

2024

Last updated:

Best Life Insurance Companies in Portland

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 Portland 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.

24716Reviewed

14836Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
412 Jefferson Pkwy Ste 100, Lake Oswego, OR 97035

Why choose this provider?

Montgomery & Graham Inc. is a well-established risk management company whose services include getting life insurance quotes from multiple carriers for personal and business clients in Portland and the surrounding areas. Its agents also design employee benefits plans for companies and negotiate quotes with insurance carriers. The agents are qualified to advise clients on term life and permanent life policies. They also sell health insurance to individuals, families, and the self-employed.

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 (22)
Facebook
5.0 / 5 (1)

Website
110 Southwest Bancroft Street, Portland, OR 97239
  • Life Insurance

Why choose this provider?

Einstein Insurance is an independent insurance agency serving its clients in Portland. It offers life insurance policies to its clients that are tailored to suit their coverage needs and requirements. Founder Matt Einstein has been in the insurance industry since 1999, and his extensive experience allows him to help individuals find the appropriate insurance plan. The company also offers other commercial and personal insurance products, such as auto, home, renters', flood, condo, and motorcycle insurance.

License Verified:

License: 3000411971

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 (16)
Facebook
5.0 / 5 (1)
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
7340 SW Hunziker Street Suite 220, Portland, OR 97223
  • Life Insurance

Why choose this provider?

Since 2010, the Gunness Benefits Group has been offering insurance to clients in the Portland area. Its life insurance provides financial protection to beneficiaries upon the policyholder's death. It gives compensation for funeral costs, outstanding debts, and future expenses like college tuition. The company also offers individual and group health insurance to cover medical bills, hospitalizations, and medication. The Gunness Benefits Group was founded by Teri Gunness, who has more than 25 years of insurance experience.

License Verified:

License: 100170090

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 (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
19652 McCord Rd, Oregon City, OR 97045

Why choose this provider?

Agape Insurance is a small Portland-based agency founded in 2002 by Dan Nellis, a local man who provides unbiased health insurance advice, and multiple quotes from a range of carriers, such as Providence, United Healthcare, and PacificSource. Mr. Nellis' clients are typically individuals looking to pay off their mortgages within the term of their policies, cover their funeral costs, and find health plans that allow for their previous medical issues.

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 (3)

Website
8301 SE 13th Ave Ste G, Portland, OR 97202

Why choose this provider?

A division of the Legacy Insurance Group, Willamette Life is a specialist life insurance company in Portland, founded in 2019 to exclusively offer final expenses insurance. Its clients are typically aged between 50 and 85. The agency's policies don't require medical examinations, and the money paid out can be used to cover funeral expenses, medical fees, and other debts. Four types of plans are available, each offering varying degrees of coverage.

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 (22)

Website
14900 SW Barrows Rd Ste 202, Beaverton, OR 97007

Why choose this provider?

PayneWest Insurance is an independent insurance agency serving clients in the Portland area with locations throughout Oregon, Idaho, Montana, and Washington. Founded in 1972, the company helps individuals, families, and businesses choose health insurance policies that vary by coverage, deductible levels, and their individual needs. It also offers term and whole life insurance plans that differ by length of coverage, premium amount, and restrictions. PayneWest Insurance works with an extensive selection of carriers, including Health Net and PacificSource Health Plans.

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 (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
1710 NE 82nd Ave, Portland, OR 97220

Why choose this provider?

Budget Insurance Enterprises LLC is a health insurance company in Portland that sells a range of insurance products to meet its clients' needs. It has years of experience in the industry, and it leverages its expertise to help customers find the right health coverage, from single to group policies. It also offers life insurance, including term, whole life, and indexed universal life insurance policies. Other insurance types include auto and SR22 coverage, business insurance, and homeowners/renters policies.

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
Yelp
5.0 / 5 (22)
Facebook
4.2 / 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
5 Centerpointe Dr Ste 400, Lake Oswego, OR 97035

Why choose this provider?

Founded in 2005, Action Insurance Company helps Portland customers find the right level of insurance coverage, from life insurance to other coverage types. The agency offers both term and whole life policies to suit the needs of its client base. In addition to life insurance, Action Insurance Company sells automobile, homeowners, business and commercial, trucking, and disability. Commercial property insurance and commercial auto insurance are also available. Quotes are free and available online or via phone.

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 (22)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
PO Box 80712, Portland, OR 97280
  • Individual Plans

Why choose this provider?

Eagan Advisor Group is a locally owned and operated independent agency that offers comprehensive insurance plans in Portland and throughout the state. It has over three decades of experience providing different types of individual insurance, including term, universal, and whole life policies. This agency also offers long-term care and final expense life insurance options. Additionally, its team assists clients in choosing suitable Medicare and dental plans from industry-leading insurance companies. The agency represents various carriers such as UnitedHealthcare, Humana, and Cigna.

License Verified:

License: 100170587

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.
4.6
Google
4.6 / 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

Website
Portland, OR 97209

Why choose this provider?

EMF Insurance Agency Inc. is a specialist life insurance company in Portland that focuses exclusively on employee benefits and group health insurance and international health insurance. It's partnered with several insurance carriers who operate specifically in these fields, such as Blackbird Benefits and Wanderwell Insurance Services. The agency values eco-friendly methods, which is why it is web-based and gives 1% of its annual profits to nonprofits that promote environmental practices globally.

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 (2)

Website
2110 SW Jefferson St., 3rd floor, Portland, OR 97201
  • Life Insurance

Why choose this provider?

Century Benefits is an independent insurance agency serving individuals, families, and businesses in the Portland metro and the surrounding communities. It helps clients protect their loved ones' future by offering different types of life insurance policies, including no paramedical, term, variable, and whole. It provides annuities, which can be used for college funding or retirement. Also included in its line of products are auto, home, health, and renters' insurance plans. Century Benefits extends its services to Arizona, Idaho, and Nevada.

License Verified:

License: 100166331

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.
4.2

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
9570 Southwest Barbur Blvd., Suite 302, Portland, OR 97219
  • Life Insurance
  • Individual Plans

Why choose this provider?

Parkside Insurance has been providing its services to clients in Portland and the surrounding communities for over seven decades. The family-owned company is available for personal and commercial needs. It offers coverage such as life, homeowner, and automobile insurance. Its staff handles products such as term and whole life coverage. The business is also available for business protection needs, which include general liability, commercial umbrella, and workers' compensation. Parkside Insurance is licensed in 10 states.

License Verified:

License: 100166373

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.
4.2
Yelp
4.0 / 5 (22)
Google
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
7105 SW Varns St Ste 200, Portland, OR 97223

Why choose this provider?

Chris Goodbaudy Insurance Agent is a boutique life and health insurance agency founded in 2001. Mr. Goodbaudy's clients come from the Portland metro area's residential and commercial communities. His services include comparing multiple quotes for personal and group insurance from all of the major carriers in the country, explaining the requirements of the Affordable Care Act, and helping employers decide if a custom-designed plan is preferable to existing group plans.

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)

Website
10110 SW Nimbus Avenue B3, Portland, OR 97223
  • Life Insurance

Why choose this provider?

Avenue Insurance caters to clients in Portland and neighboring areas. It offers term life insurance for clients opting for a specific duration for their policies, and permanent life insurance for lifelong protection that allows for additional financial support. It also carries insurance for vehicles and homes, with additional protections against floods and earthquakes. Its commercial insurance, meanwhile, helps clients request general liability certificates and add vehicle coverage to an existing business. Some of Avenue Insurance's partner-carriers are Liberty Mutual Insurance, The Hartford, Progressive, and Foremost Insurance Group.

License Verified:

License: 3000322057

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 (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
333 SW 5th Ave Ste 410, Portland, OR 97204

Why choose this provider?

Health Plans in Oregon is a health insurance company in Portland that has been providing services for individuals, families, Medicare beneficiaries, and small businesses since 2006. The licensed agency helps clients determine eligibility and choose the best option for health insurance, including supplemental plans and dental and vision coverage. The agency also works with Medicare beneficiaries to choose an Advantage and prescription plan that meets their needs. Other products include short-term medical and life insurance policies.

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
Yelp
4.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
621 8th Street, Oregon City, OR 97045

Why choose this provider?

Brownrigg Insurance, LLC is an independent life insurance agency serving the counties of Multnomah and Clackamas. Its agents are free to compare the policies of multiple carriers. They specialize in getting competitive quotes for individual life insurance and policies that cover businesses from the loss of key employees. Typical policies include term life, which pays out within the term of the policy, and whole life, which pays out on the policyholder's passing.

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

Website
11501 SW Pacific Hwy Ste 7, Tigard, OR 97223

Why choose this provider?

The Meridian Insurance Group is an independent insurance broker serving the Beaverton and Portland areas. It has developed relationships with more than 15 insurance carriers to ensure its clients get the most competitive quotes on their life insurance. The agency advises clients on the benefits of each policy, helps them identify the best type for their needs, such as term life and whole life, and guides them through the claims process.

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 (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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1020 SW Taylor St Ste 800, Portland, OR 97205

Why choose this provider?

Northup Corporation is a life insurance company in Portland that's been serving clients throughout the area for over two decades. The independent agents help individuals choose between term and permanent life insurance policies to cover their beneficiaries' expenses, such as daily living costs or future educational needs after they're gone. Northup Corporation also offers claims management to help customers get fair, prompt payment for their covered losses. Other services include home, recreational vehicle, and auto insurance coverage.

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.
3.4
Facebook
4.2 / 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
––

FAQs

  • What expenses does life insurance in Portland typically cover?

    To alleviate the burden on loved ones, life insurance policies in Portland can cover a variety of expenses such as daily living expenses, retirement planning, and funeral expenses. Furthermore, life insurance can be used to pay off mortgages or other outstanding debts, ensuring that the policyholder's financial obligations are met even if they die.

  • How does the cost of a 10-year term life insurance policy differ for men and women in Portland?

    In Portland, the cost of a 10-year term life insurance policy varies by gender. A policy of this type typically costs around $28 per month for men and $24 per month for women. These cost differences are influenced by statistical actuarial data that takes gender-specific mortality rates into account. Coverage amounts can also be calculated based on factors such as per capita income, average mortgage and personal debt, and the average age of state residents.

  • What is the minimum age requirement to purchase an individual life insurance policy in Portland?

    In Portland, the minimum age for purchasing an individual life insurance policy is 18 years old. You must be at least 18 years old to start your own life insurance policy as the primary policyholder. Please keep in mind, however, that you can obtain life insurance for your children by either purchasing individual policies for them or including them as riders on your own policy, regardless of their age.

  • What types of death cases are covered by a Portland life insurance policy?

    Life insurance in Portland typically provides an all-cause death benefit, which includes deaths caused by chronic illnesses, critical illnesses, terminal illnesses, or accidents. However, for suicide-related deaths, there is typically a two-year waiting period, which means that the policy may not cover suicide within the first two years of the policy's inception. It's critical to check your specific policy for any differences or exclusions regarding coverage for various causes of death.

  • What should you do if you realize you made a mistake on your life insurance application in Portland?

    If you discover an error on your Portland life insurance application, you must notify the insurance company immediately. Correcting the error is recommended to avoid potential issues or accusations of insurance fraud. Many insurers allow policyholders to make changes to their policies without having to reapply, ensuring that the policy accurately reflects your information and coverage requirements. Communication with the insurance company is critical to effectively resolving the situation.

  • 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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