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Best Life Insurance Companies in Virginia

2024

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Providers

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Website
Virginia
  • Life Insurance

Why choose this provider?

Millennial Life Insurance helps clients looking for risk management plans in Virginia. It offers permanent life and term life insurance options based on the clients' needs and capacity. It believes in the importance of customizing coverage and accessible customer support to address the needs of individuals and families for financial security. Term life plans include annual renewable, level, and decreasing term policies. Millennial Life Insurance has been operating for two decades.

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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Virginia
  • Health Insurance
  • Life Insurance

Why choose this provider?

Harwood and Son Insurance is an insurance company providing services to the people of Virginia. The agency renders services such as life insurance, individual long-term care, investments, debt protection, and annuities. Group health, short- and long-term disability, optional, self-funded plans, ancillary, and payroll benefits are additional services provided by the business. Hardwood and Son have been providing assistance to their clients for more than 150 years and was recognized as a top agency partnership in 2019 by the Insurance Journal.

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
5.0 / 5 (23)
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
Virginia
  • Health Insurance
  • Life Insurance

Why choose this provider?

Ben Hildreth is a State Farm insurance agent who caters to individuals, businesses, and families in Virginia. He provides various life insurance products to help clients' families pay for mortgages, debts, and college tuition in the event of their demise. The types of policies on offer include term, whole, and universal life insurance. Hildreth also offers coverage for autos, homeowners, renters, condominiums, personal articles, and health care. His staff is bilingual in English and Spanish.

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
Google
4.6 / 5 (17)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Virginia
  • Health Insurance
  • Life Insurance

Why choose this provider?

Bradley Insurance Services Inc. has been serving residents of Virginia since 1979. It is an independent insurance agency that offers whole, universal, and term life insurance policies. Its agents educate clients about the various types of life insurance policies and help them select the right plan that suits their specific needs. The agency also provides a range of commercial insurance products, including general liability and business owner's policy insurance. Its partner carriers include Encompass, Hagerty, Main Street America, and Foremost.

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
Google
4.7 / 5 (12)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Virginia
  • Life Insurance

Why choose this provider?

G.L. Herndon Insurance Agency, Inc., has life assurance policies for residents of Virginia. It has been in the state for 40 years and has been offering fixed annuities, individual life, and final expense options. Personal property protection solutions are on hand for owners of marine craft, condominiums, and motorcycles. The agency is a family-owned and independent establishment that is affiliated with the Independent Insurance Agents of Virginia, Inc. It supports the Ruffed Grouse Society, which conserves woodland birds.

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.
4.3
Google
4.3 / 5 (24)

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
Virginia
  • Health Insurance
  • Life Insurance

Why choose this provider?

Old Dominion Insurance Services serves clients throughout Virginia. It offers a wide range of insurance products, including life insurance. It provides final expense, fixed annuities, mortgage protection, and individual life insurance plans. It represents various insurance carriers and assists clients in finding the right level of coverage that will suit their needs and preferences. It also offers auto, home, and business insurance products. This locally owned and operated insurance company is a member of the Gretna Merchants Association and Altavista Chamber of Commerce.

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
4.7 / 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

Website
Virginia
  • Individual Plans
  • Life Insurance

Why choose this provider?

Valley Trust Insurance Group works with clients in Virginia who need life coverage. The team delivers individual life plans that protect against unforeseen harm and loss. Medicare supplement options are available, and agents are on hand to explain the ins and outs of health assurance. Non-life products exist for homeowners and car enthusiasts. Valley Trust began in 2014 following the merger of Dorton Insurance Services and ProSure Insurance. It is an independent agency that supports Staunton Storm Athletics and Young Life.

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
4.5 / 5 (56)
Facebook
4.4 / 5 (28)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Virginia
  • Life Insurance

Why choose this provider?

Bishop Insurance Agency is a full-service company handling clients in Virginia. It handles life insurance policies that are provided by its agency in Petersburg, covering whole life, term life, and universal. Its life plan assists beneficiaries with their mortgage, education, final expenses, debts, or burial expenses. The agency was established in 1955 and has partnered with insurance companies such as Progressive, Mercury Insurance, and ALFA Insurance. The company continues to provide other services such as auto, home, health, and business insurance 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.
4.4
Google
4.4 / 5 (20)

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
Virginia
  • Health Insurance
  • Life Insurance

Why choose this provider?

New Hope Benefits & Consulting offers solutions to individuals and businesses in Virginia. It provides individual term and whole life insurance products, as well as short-term and long-term disability coverage. It also offers individual dental and vision insurance plans. The company provides insurance coverage for accidents, critical illnesses, and hospital confinement. It also offers administration, onboarding, enrollment, and benefits consulting services for small, medium, and large businesses. The company has been helping customers since its founding in 2016.

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 (17)

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
Virginia
  • Life Insurance

Why choose this provider?

Smith Insurance Service is an independent agency that caters to customers in Virginia. The family-owned company offers life insurance policies and coverage options for health, accident, disability, and long-term care. It has insurance products for motorcycles, boats, condominiums, and rental properties. It also provides general liability, business umbrella, bonds, and employee benefit options. Founder Nancy Smith has over 25 years of industry experience. The firm was established in 1999 to serve the commercial and personal insurance needs of clients.

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
Facebook
4.7 / 5 (20)
Google
4.5 / 5 (15)

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
Virginia
  • Health Insurance
  • Life Insurance

Why choose this provider?

Metro Insurance Agency comprises team members who have over 22 years of collective experience in the industry. The firm offers life insurance policies and other types of coverage, including disability, health, and annuities, to customers in Virginia. It provides coverage options for businesses, churches, mobile homes, apartments, and farms and customizes plans based on the needs of clients. It has policies available for vehicles, including SUVs and sports cars. Agent Leslie Sandridge had worked at an independent agency prior to starting his firm.

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.
4.3
Google
4.3 / 5 (20)

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

  • 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.

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