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Best Life Insurance Companies in Roanoke

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Banks Insurance Agency logo
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License Verified:

License: 109282

Commonwealth of Virginia State Corporation Commission

Banks Insurance Agency

2715 Brambleton Avenue, Roanoke, VA 24015
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  • Life Insurance

Business Description

Banks Insurance Agency is an independent insurance company that serves clients in the Roanoke area. Since 1988, the company has provided life insurance, including term insurance ranging from a fixed-term plan to an annually renewable program. Likewise, the company also offers permanent life insurance, including retirement savings security and estate taxes coverage. Clients can also opt for auto, homeowners, and business insurance, with varying custom policies. Banks Insurance Agency partners with insurance providers like Progressive, Travelers, and Erie Insurance.

License Verified:

License: 109282

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.
4.9
Google
4.0 / 5 (122)

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
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Detail
Betsy Thomas logo
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License Verified:

License: 140849

Commonwealth of Virginia State Corporation Commission

Betsy Thomas

3214 Electric Road, Roanoke, VA 24018
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  • Life Insurance
  • Health Insurance

Business Description

Betsy Thomas is an insurance agent at State Farm, servicing clients throughout the Roanoke area. She provides multiple insurance options for her clients, including life insurance, auto insurance, renters' insurance, and boat insurance. Besides these, she also helps clients with workers' compensation and business liability insurance. Working in the industry since 2001, Betsy has extensive experience on a variety of insurance options, helping her clients find the best option that suits them.

License Verified:

License: 140849

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 (25)

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
Bill Meador Insurance Agency logo
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License Verified:

License: 139843

Commonwealth of Virginia State Corporation Commission

Bill Meador Insurance Agency

2758 Electric Road, Cave Spring, VA 24018
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  • Life Insurance

Business Description

Bill Meador Insurance Agency provides a diverse range of insurance products to clients in Roanoke and the surrounding areas. Bill, an insurance agent since 2005, established his own independent insurance agency in 2012. He and his team represent different carriers and offer insurance products that comprehensively cover client needs. Bill Meador Insurance Agency works with individuals and businesses with a focus on life, business, auto, home, and personal insurance. Bill is also a member of Roanoke Valley Business Professionals’ Organization.

License Verified:

License: 139843

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 (558)
Facebook
5.0 / 5 (94)
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
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Detail
Brent Hershey logo
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License Verified:

License: 898865

Commonwealth of Virginia State Corporation Commission

Brent Hershey

2975 Roanoke Road, Daleville, VA 24083
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  • Life Insurance
  • Health Insurance

Business Description

Brent Hershey is a life insurance agent who serves clients in Roanoke and nearby areas. He provides whole, universal, and term life insurance to ensure the security of the clients' loved ones. Aside from life insurance, he also offers insurance policies for health, homes, vehicles, businesses, properties, and even pets. Hershey has also been recognized by Roanoker Magazine in its list of 40 under 40 Young Professionals. He works with State Farm in delivering his services.

License Verified:

License: 898865

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 (51)
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
Brogan Insurance logo
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License Verified:

License: 110825

Commonwealth of Virginia State Corporation Commission

Brogan Insurance

3224 Peters Creek Road, Roanoke, VA 24019
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  • Life Insurance

Business Description

Brogan Insurance is an independent company serving business owners, families, and individuals in the Roanoke metro. It helps clients acquire life insurance plans that may include universal, whole, and term life coverages. Additionally, the company offers fixed annuities, mortgage protection, and long-term care insurance. Its insurance specialists have access to various carriers, including Erie Insurance, Hagerty, Progressive, and Loudoun Mutual. Brogan Insurance is a second-generation family business that has been in the industry for 37 years.

License Verified:

License: 110825

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.
4.6
Facebook
5.0 / 5 (5)
Google
4.0 / 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
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Detail
Derek Wiley Agency, Inc. logo
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License Verified:

License: 136742

Commonwealth of Virginia State Corporation Commission

Derek Wiley Agency, Inc.

1334 Roanoke Road, Daleville, VA 24083
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  • Life Insurance
  • Health Insurance

Business Description

Derek Wiley Agency, Inc., is an independent insurance company that has been serving Roanoke and its surrounding communities for over a decade. It offers a full range of life insurance products that cover final expenses, mortgage protection, and fixed annuities. Its team of agents also provides personalized services and gives clients flexible coverage options that suit their unique needs. Working with various insurance providers, the company has a roster of policies for automobiles, homes, and health, as well as other personal and commercial insurance products.

License Verified:

License: 136742

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 (97)
Facebook
5.0 / 5 (14)
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
Don Hodson Insurance Associates, Inc. logo
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License Verified:

License: 112953

Commonwealth of Virginia State Corporation Commission

Don Hodson Insurance Associates, Inc.

5121 Starkey Road, Roanoke, VA 24018
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  • Life Insurance

Business Description

Don Hodson Insurance Associates, Inc., is an insurance company that has been serving individuals and businesses from Roanoke and the surrounding areas for almost two decades. It offers life insurance, as well as long-term care insurance, health insurance, Medicare insurance, and Medicaid insurance. Other personal insurance products that the company offers include homeowners', auto, and personal umbrella insurance. In addition, Don Hodson Insurance Associates also provides a wide range of commercial insurance options.

License Verified:

License: 112953

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 (6)
Facebook
5.0 / 5 (3)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Fieldale Insurance logo
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License Verified:

License: 106795

Commonwealth of Virginia State Corporation Commission

Fieldale Insurance

51 Marshall Way, Fieldale, VA 24089
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  • Health Insurance
  • Individual Plans

Business Description

Fieldale Insurance is an independent agency that aims to deliver a comprehensive selection of insurance options to businesses and residents around Roanoke. The agency helps families financially prepare for unexpected events through insurance types such as universal, term, and whole life insurance. Its agents assist clients in determining suitable insurance types and walk them through factors such as premiums and loan repayments. Fieldale Insurance has over 270 agencies in its network and has been operating since 1928.

License Verified:

License: 106795

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Franson Insurance Agency logo
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License Verified:

License: 111552

Commonwealth of Virginia State Corporation Commission

Franson Insurance Agency

5203 Airport Road Northwest, Roanoke, VA 24012
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Franson Insurance Agency is an independent insurance agency serving families and businesses in Roanoke and nearby areas since 1978. It offers personal, commercial, health, and life insurance. Under life insurance, the clients can choose from term life, final expense, universal life, and whole life insurance. The agents can assist clients in finding the best rates from its network of carriers, including Blue Cross Blue Shield, Assurance America, and Penn National Insurance. Franson Insurance Agency is a Trusted Choice agency.

License Verified:

License: 111552

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.
3.9
Google
3.0 / 5 (7)
Facebook
5.0 / 5 (3)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Ghaphery Insurance Group logo
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License Verified:

License: 141013

Commonwealth of Virginia State Corporation Commission

Ghaphery Insurance Group

6334 Peters Creek Road, Roanoke, VA 24019
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  • Life Insurance

Business Description

Ghaphery Insurance Group consists of independent insurance agents who help clients in Roanoke craft life insurance packages tailored to their needs. Its life insurance products include final expense insurance, fixed annuities, mortgage protection policies, and individual life insurance. Clients can also avail of permanent life insurance, term life insurance, or both. Ghaphery Insurance Group's permanent life insurance provides lifetime protection to its policyholders, while its term life insurance offers protection for a limited period.

License Verified:

License: 141013

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
4.0 / 5 (9)
Facebook
4.0 / 5 (8)

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
Hawk Advisers logo
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License Verified:

License: 138487

Commonwealth of Virginia State Corporation Commission

Hawk Advisers

206 Williamson Road Southeast, Roanoke, VA 24011
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  • Life Insurance
  • Individual Plans

Business Description

Hawk Advisers is a Roanoke-based agency that offers life insurance and other personal lines of insurance. Created from the union of two local insurance agencies, the company represents more than 70 years of experience in the industry. As an independent agency, it sources its products from multiple providers. Aside from term and whole life insurance policies, the company offers annuities and specialty life insurance products like key-person insurance and buy-sell agreements. Hawk Advisers is a member of the Keystone Insurers Group.

License Verified:

License: 138487

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.
4.7
Google
4.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Innovative Insurance Group logo
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License Verified:

License: 136919

Commonwealth of Virginia State Corporation Commission

Innovative Insurance Group

2670 Electric Road, Roanoke, VA 24018
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  • Life Insurance
  • Health Insurance

Business Description

Innovative Insurance Group is an independent agency serving individuals, families, and businesses in the Roanoke area. Its insurance professionals help clients who need assistance in purchasing life insurance products. Additionally, they provide other plans, including short-term health, long-term care, disability, and dental insurance. The company works with multiple insurance carriers such as Humana, Cigna, Optima Health, Aetna, and Anthem. Innovative Insurance Group gives back to the community by supporting various organizations like Roanoke County Schools Education Foundation and Children's Miracle Network.

License Verified:

License: 136919

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.
4.9
Google
4.9 / 5 (10)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Jeff Glick logo
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License Verified:

License: 631319

Commonwealth of Virginia State Corporation Commission

Jeff Glick

2415 Electric Road, Roanoke, VA 24018
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  • Life Insurance
  • Health Insurance

Business Description

Serving the community of Roanoke, Jeff Glick is a professional who helps clients protect the financial future of their families through life insurance plans. He offers clients a variety of life insurance options, including whole, universal, and term life insurance policies. He also provides assistance with auto, health, home, and renters' insurance needs. Jeff has been an insurance agent at State Farm since 1989. He is also a Little League coach and a Junior Achievement instructor.

License Verified:

License: 631319

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 (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
Jill Hufford Insurance logo
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License Verified:

License: 111598

Commonwealth of Virginia State Corporation Commission

Jill Hufford Insurance

5219 Peters Creek Road, Roanoke, VA 24019
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  • Life Insurance

Business Description

Jill Hufford Insurance is an independent insurance agency in Virginia. The company has been serving Roanoke residents for over 40 years with a wide array of insurance policies, from life and health insurance to auto, renters', motorcycle, and boat insurance. Jill Hufford supports business owners with general liability and business insurance, helping companies mitigate legal liabilities, property damage, and other business-related risks. The company offers clients access to numerous insurance providers, including The Hartford, Progressive, and Trexis.

License Verified:

License: 111598

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 (74)

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
Marks-Tiller Insurance Agency logo
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License Verified:

License: 563385

Commonwealth of Virginia State Corporation Commission

Marks-Tiller Insurance Agency

7726 Williamson Road, Roanoke, VA 24019
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  • Life Insurance

Business Description

Marks-Tiller Insurance Agency is an independent insurance agency providing insurance plans and other products and services to clients in the Roanoke metro and surrounding communities. The company offers auto, life, home, and business insurance to individuals, their families, and businesses in the area. It also assists clients in terms of annuities. It is licensed to sell in Virginia, North Carolina, Tennessee, and West Virginia and is also licensed to sell flood insurance nationally since 1974.

License Verified:

License: 563385

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.
4.4
Google
4.0 / 5 (10)
Facebook
3.0 / 5 (3)

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
Mass Mutual logo
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License Verified:

License: 560049

Commonwealth of Virginia State Corporation Commission

Mass Mutual

3800 Electric Road, Cave Spring, VA 24018
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  • Life Insurance

Business Description

Since its founding in 1851, Mass Mutual has provided financial services across the country. Headquartered in Springfield, the company offers life insurance in areas like Roanoke, covering several types including term life, universal life, and participating whole life insurance. Retirement plans, investment options, financial wellness services, and financial solutions for businesses are also provided. As a mutual company, members and participating policyholders share the company's ownership, employing a business model that has enabled the company to survive various crises throughout the century.

License Verified:

License: 560049

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
5.0 / 5 (2)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Muneris logo
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License Verified:

License: 103195

Commonwealth of Virginia State Corporation Commission

Muneris

2840 Hershberger Road, Roanoke, VA 24017
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  • Life Insurance
  • Health Insurance

Business Description

Muneris is an insurance agency that has been serving the Roanoke community since 1990. It offers term and permanent life insurance options that can serve as financial protection covering a wide range of variables, including final expenses, outstanding debts, estate liquidity, lifetime income to spouse or child, and mortgage. Different types of permanent insurance are also available, such as whole, universal, indexed universal, and single premium universal. The agency's president, Burman Clark, conducts creative discussions for employers and employees about Medicare solutions and healthcare reform.

License Verified:

License: 103195

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 (8)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Northpoint Insurance Advisors logo
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License Verified:

License: 142366

Commonwealth of Virginia State Corporation Commission

Northpoint Insurance Advisors

30 East Clay Street, Salem, VA 24153
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  • Life Insurance
  • Health Insurance

Business Description

Northpoint Insurance Advisors is an insurance agency that serves clients in Roanoke and the surrounding areas. It offers life insurance policies that include mortgage protection insurance, individual life insurance, and fixed annuities. The agency also provides insurance coverage for home, auto, business, health, and group. Northpoint Insurance Advisors leads a team with over 80 years of combined experience in the industry. As an independent agency, it partners with regional and national insurance carriers such as Travelers, Safeco Insurance, and Progressive.

License Verified:

License: 142366

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 (113)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Norwinski Insurance Agency logo
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License Verified:

License: 131629

Commonwealth of Virginia State Corporation Commission

Norwinski Insurance Agency

4896 Hollins Road, Hollins, VA 24019
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  • Life Insurance
  • Individual Plans

Business Description

Norwinski Insurance Agency is a local insurance agency that offers various health and life insurance products in Roanoke. It provides individual life insurance, long-term care plans, dental insurance, disability coverage, and final expense insurance. Additionally, the agency also offers insurance products for vehicles, homes, and businesses. Established in 1994, Norwinski Insurance Agency has built long-term relationships with regional and national carriers. Some of its partner carriers are Alfa Insurance, Mutual of Omaha, National General, and Progressive.

License Verified:

License: 131629

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 (7)
Facebook
5.0 / 5 (3)

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
Our Insurance Options logo
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License Verified:

License: 125947

Commonwealth of Virginia State Corporation Commission

Our Insurance Options

58D Ridge Road, Troutville, VA 24175
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  • Life Insurance

Business Description

Founded in 2009, Our Insurance Options is an independent insurance agency that serves clients in Roanoke and the surrounding areas. The agency works with more than 15 insurance carriers, including AIC, Donegal Insurance Group, and The Travelers Companies. It provides an array of insurance options, including term, whole, and permanent life insurance as well as simplified life insurance. Auto, home, and umbrella insurance are also being offered. Our Insurance Options has offices in Troutville and Buchanan.

License Verified:

License: 125947

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 (2)
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
Slemp Brant Saunders Insurance Agency logo
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License Verified:

License: 108707

Commonwealth of Virginia State Corporation Commission

Slemp Brant Saunders Insurance Agency

116 West Main Street, Roanoke, VA 24354
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  • Life Insurance
  • Health Insurance

Business Description

Slemp Brandt Saunders Insurance Agency is an insurance service provider based in Marion serving clients in Roanoke, Bristol, Wytheville, and the surrounding areas. The agency offers a wide assortment of insurance plans for clients. It offers individual life insurance policies, including term, universal, and permanent life insurance coverage. It also provides return of premium term life policies. This independent insurance company has been serving the Southwest Virginia area since 1910. Its team of agents represents various insurance companies to provide clients flexible coverages and plans.

License Verified:

License: 108707

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.
4.4
Google
4.0 / 5 (10)
Facebook
5.0 / 5 (8)

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
Valley Financial Solutions logo
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License Verified:

License: 128819

Commonwealth of Virginia State Corporation Commission

Valley Financial Solutions

2847 Penn Forest Boulevard, Roanoke, VA 24018
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  • Life Insurance
  • Whole Life Insurance
  • Long Term Care
  • Term Life Insurance

Business Description

Headquartered in Roanoke, Valley Financial Solutions Inc. is an independent insurance agency that has provided insurance services to residents and businesses in the local metro for 12 years. It works with multiple carriers that allow it to offer various insurance options to its clients. It carries life insurance plans like term life, whole life, universal life, and variable life insurance. Barham, Stilwell & Associates, and Capital Financial Solutions merged in 2009 to form Valley Financial Solutions Inc.

License Verified:

License: 128819

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

Read all FAQs