Expertise.com

2024

Last updated:

Best Life Insurance Companies in Norfolk

Our Recommended Top 13

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 Norfolk 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.

10385Reviewed

6236Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Richmond, VA 23173
  • Long Term Care
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

Pitcher Financial Services offers customized policy options that provide financial security for Norfolk-based individuals and families. Its founder, Kathleen Pitcher, uses her expertise as a financial counselor to help clients manage their accounting portfolios and create wealth plans. Her life insurance policies address outstanding debts and offer options involving business continuity, college education, and fund trusts for those with special needs. Her collaborations with other brokerages and providers grant her access to investment and insurance opportunities that fit her clients' long-term needs.

License Verified:

License: 552102

Commonwealth of Virginia State Corporation Commission

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
233 Business Park Drive, Virginia Beach, VA 23462
  • Life Insurance

Why choose this provider?

Friedman Associates Insurance is an independent insurance company that serves individuals and commercial enterprises all over the Norfolk metro. Since 1976, it has offered term life, whole life, and corporate life insurance policy. Its team of professionals personally attends to its clients' queries and guides them throughout the application process. The company also offers employee benefits, commercial insurance, personal insurance, and asset protection services sourced from various insurance carriers, such as National General, EMC, Progressive, and Main Street America.

License Verified:

License: 111256

Commonwealth of Virginia State Corporation Commission

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
Google
4.0 / 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
4610 Westgrove Ct, Virginia Beach, VA 23455
  • Health Insurance

Why choose this provider?

TFO Medicare Resource Center is an independent agency serving Norfolk, Tidewater, and Virginia. It provides risk management solutions to protect families and veterans from financial losses due to unexpected life events. The company furnishes Medicare Advantage, Supplement, Dual Special Needs, and Disabled plans. Its agents also process MSA, PPO, HMO, PPFS, HMOPOS, and SNP coverages. They work with various carriers like Anthem Healthkeepers, Optima, and Humana. Managing general agent Kevin Overton has been in the industry for over a decade.

License Verified:

License: 535252

Commonwealth of Virginia State Corporation Commission

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.
4.8
Yelp
4.8 / 5 (23)

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
47 West Queens Way, Hampton, VA 23669
  • Life Insurance

Why choose this provider?

Haynes Brokerage Group, Inc., is an insurance agency serving clients in Norfolk and the surrounding areas. Aside from selling insurance products, the agency also provides solutions and expertise to clients to protect their businesses and families. It offers a variety of products which include term, universal, and whole life plans. Additionally, it offers individual disability, annuities, and tools for business planning, estate planning, and retirement planning. Its products come from more than 30 carriers. Its president Justin Haynes has been in the industry since 2000.

License Verified:

License: 102265

Commonwealth of Virginia State Corporation Commission

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)

Website
999 Waterside Drive, Norfolk, VA 23510
  • Life Insurance

Why choose this provider?

New York Life is an insurance agency serving clients in Norfolk for more than 40 years. It offers life insurance options and long-term care insurance. The company works with other insurance carriers to provide individual and group health insurance products, as well as disability income insurance. New York Life assists with retirement preparations through different annuity products and comprehensive investment strategies. The company's website has different types of calculators to help clients analyze their savings and spending habits.

License Verified:

License: 1069880

Commonwealth of Virginia State Corporation Commission

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 (13)

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
21 Manhattan Square, Hampton, VA 23666
  • Life Insurance
  • Health Insurance

Why choose this provider?

Morgan Marrow Company is an independently owned and operated insurance company that has been providing its services since 1907. It caters to clients in Norfolk and the surrounding areas. It offers a variety of products such as automobile, business, group health, homeowners, life, and flood insurance options. Its life insurance comes in two categories which are permanent and term insurance. Compared to term insurance which is temporary, permanent insurance provides protection designed to last for life.

License Verified:

License: 109524

Commonwealth of Virginia State Corporation Commission

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 (2)
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
555 East Main Street, Norfolk, VA 23510
  • Life Insurance

Why choose this provider?

Capital Financial Group provides life insurance policies to clients in Norfolk and nearby locations. Its objective is to help clients understand what life insurance is and what it can do to financially protect them and their families. Additionally, it assists clients in determining the suitable life insurance coverage that will fit their needs. Capital Financial Group works alongside CPAs, attorneys, estate planning consultants, and asset management firms to add value to their life insurance solutions. The firm also offers employee benefits, investment, and consulting 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

Website
5907 West Norfolk Road, Portsmouth, VA 23703
  • Life Insurance
  • Health Insurance

Why choose this provider?

Beth Holland is a life insurance agent at Holland Ins and Fin Svcs Inc, serving clients in Norfolk and the surrounding areas. She assists clients in purchasing their life insurance plans, which come in various options, including term, whole, and universal life policy. These insurance plans help clients in their mortgage protection, debts payment, and even pay for college. Holland also offers products for health, auto, homeowners, and renters insurance, in addition to personal articles and annuities.

License Verified:

License: 140640

Commonwealth of Virginia State Corporation Commission

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
4.0 / 5 (104)
Facebook
4.0 / 5 (9)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7925 Halprin Drive, Norfolk, VA 23518
  • Life Insurance

Why choose this provider?

Nofplot Insurance Agency offers annual renewable term, level term, and whole life insurance policies to clients in and around Virginia Beach and Norfolk. It also provides collision, property, condo, and motorhome insurance plans. Some of the agency's insurance providers are ASI Agency Services, Inc., Dairyland, Foremost Insurance Group, The Hartford, and National General Insurance. The agency's principal agent and owner, Tripp Nofplot, has been in the insurance industry for 12 years. He is also a commercial lines coverage specialist.

License Verified:

License: 142804

Commonwealth of Virginia State Corporation Commission

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
Google
4.0 / 5 (57)
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
355 Crawford St Suite 320, Portsmouth, VA 23704
  • Life Insurance

Why choose this provider?

Apex Financial Group of VA, Inc., offers life insurance to Norfolk residents and advises them on the amount of coverage they need to secure the future of their loved ones. Its financial solutions also include annuities, disability income, health insurance, long-term care, living trust, and medicare supplement. In addition, the firm helps clients plan for their kids' college education, their retirement, and their future estate. As a way of giving back to the community, it organizes financial seminars and stewardship workshops.

License Verified:

License: 112963

Commonwealth of Virginia State Corporation Commission

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
Google
4.8 / 5 (6)

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
834 Widgeon Road, Norfolk, VA 23513
  • Life Insurance
  • Health Insurance

Why choose this provider?

Ashley & Associates Insurance Agency provides services to individuals, families, and businesses in the Norfolk metro. It offers term, universal, and whole life insurance products, which can cover income protection and replacement, tax-deferred wealth accumulation, and wealth transfer. It also provides final expense, long-term care, mobile home, umbrella, and recreational vehicle insurance plans. This firm is partnered with various insurance carriers, like American Modern, MetLife, and UnitedHealthcare. Ashley & Associates Insurance Agency was established in 1995.

License Verified:

License: 109293

Commonwealth of Virginia State Corporation Commission

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
Google
4.0 / 5 (22)
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
500 West 21st Street, Norfolk, VA 23517
  • Life Insurance
  • Health Insurance

Why choose this provider?

Nusbaum Insurance is a life insurance company located in Norfolk serving the metro. Equipped with over 65 years of experience in the industry, the company is a three-generation, family-owned enterprise that aims to help individuals, families, and businesses navigate the risks and benefits of buying an insurance product. Nusbaum Insurance caters to life, home, automobile, watercraft, and flood insurance policies. The company also handles business owners', commercial umbrella, and general liability insurance products for businesses.

License Verified:

License: 109441

Commonwealth of Virginia State Corporation Commission

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
Google
4.0 / 5 (9)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
7607 Sewells Point Rd Ste C, Norfolk, VA 23513
  • Life Insurance
  • Term Life Insurance

Why choose this provider?

CWP Insurance Advisors, Inc., offers life policies to clients living in Norfolk and nearby areas. It delivers whole and term life products for individuals who wish to leave funds for heirs to inherit and to use in case of unforeseen events like sudden deaths. The team also has non-life options that cover cars, houses, and commercial assets. CWP Insurance Advisors is an independent agency that provides contracts supplied by established brands like Alfa, Progressive, and National General.

License Verified:

License: 125981

Commonwealth of Virginia State Corporation Commission

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.
4.8
Google
4.8 / 5 (19)
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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

FAQs

  • Can you name multiple beneficiaries for your life insurance policy in Norfolk?

    Yes, you can designate multiple beneficiaries for your life insurance policy in Norfolk. This can include various individuals, such as your adult children or grandchildren. It's worth noting that in Virginia, children can only inherit directly in their own names once they reach the age of 18. To address this, you might consider establishing a trust with your children as the designated beneficiaries of the trust.

  • Can creditors seize life insurance benefits in Norfolk?

    In Norfolk, life insurance policies are typically protected from creditors under certain conditions. If you designate your estate as the beneficiary of your life insurance policy, the death benefit becomes part of your estate's assets and may be used to pay off debts you owe to creditors. However, if you name specific individuals or entities as beneficiaries, the insurance proceeds go directly to these beneficiaries. In such cases, creditors cannot claim it.

  • Is suicide covered by life insurance in Norfolk?

    Typically, life insurance policies in Norfolk include coverage for death by suicide. However, there is a waiting period of two years from the policy's inception. This means that if the policyholder dies by suicide within the initial two years of the policy, the insurance company may not pay the full death benefit to the beneficiaries. Instead, they might either deny the claim or conduct a thorough investigation to determine the circumstances of the death.

  • What is the "incontestability clause" in a life insurance policy in Norfolk?

    In a Norfolk life insurance policy, the 'incontestability clause' typically establishes a two-year timeframe from the policy's start date. This provision serves as a safeguard for the policyholder, preventing the insurance company from disputing or denying claims due to inaccuracies or false information provided by the policyholder. However, once this initial period has passed, the insurance company generally loses the ability to challenge claims based on the policyholder's prior misrepresentations or inaccuracies.

  • Can you name anyone as a beneficiary in your life insurance policy in Norfolk?

    In Norfolk, you have the flexibility to name almost anyone as either a primary or contingent beneficiary for your life insurance policy. This includes a wide range of options, such as family members, friends, financial institutions, charitable organizations, and trusts. It's important to consult with your insurance provider or financial advisor to understand the specific rules and guidelines that may apply to beneficiary designations in your policy.

  • 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.

Related Articles

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...