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Best Life Insurance Companies in Virginia Beach

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Angela Gauthier logo
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Angela Gauthier

575 Lynnhaven Pkwy Ste 280A, Virginia Beach, VA 23452
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Business Description

Angela Utter Gauthier is the executive vice president for the Inspire You Agency, a division of Five Rings Financial. Gauthier has consulted with clients regarding their financial and retirement planning solutions since 2011 and with 5RF since 2013. Her agency primarily works with high achieving professionals and their families by providing tax free retirement and living benefit life insurance.

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
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Angela Utter Gauthier logo
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License Verified:

License: 806891

Commonwealth of Virginia State Corporation Commission

Angela Utter Gauthier

575 Lynnhaven Parkway, Virginia Beach, VA 23452
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  • Life Insurance

Business Description

Angela Utter Gauthier is an insurance agent who owns Inspire You Agency that serves Virginia Beach and the nearby areas. She offers life insurance products such as term life, whole life, and universal life policies that help clients build tax-free or tax-deferred income for themselves or their beneficiaries. Angela has been a financial advisor for more than a decade now, and she specializes in helping health care professionals. Angela is married to the love of her life, David, and they have 2 wonderful children and a dog.

License Verified:

License: 806891

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
Bembridge Insurance logo
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License Verified:

License: 143017

Commonwealth of Virginia State Corporation Commission

Bembridge Insurance

280 Mustang Trail, Virginia Beach, VA 23452
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  • Life Insurance

Business Description

Bembridge Insurance is an agency that has been serving Virginia Beach and its surrounding communities since 1999. It helps individuals and families in safeguarding their futures by providing term, permanent, whole, and universal life insurance. Its team of professionals assesses the needs of clients through different factors, such as their financial situation or recent life events. The coverages include childcare, long-term educational expenses, and funeral and burial costs. The agency also offers auto, business, and homeowners' insurance.

License Verified:

License: 143017

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Benefit Plans, Inc. logo
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Benefit Plans, Inc.

347 S Witchduck Rd, Virginia Beach, VA 23462
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Business Description

Benefit Plans Inc. is an all-woman owned and operated insurance agency that has provided personal and business insurance solutions since 1974. The independent insurance agency assists individuals and companies interested in group plans for their employees with finding the health and life insurance coverage they require. Its agents assess each situation to ensure their clients receive benefits tailored to their needs. Working with a variety of top-level carriers, Benefit Plans provides major medical policies, including HMOs, PPOs, FSAs, and POSs in addition to supplemental plans, such as Medicare, dental, and vision. The company also offers a range of life insurance products and annuities customized to protect individuals, families, and assets.

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)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Beskin-Divers Insurance Group Inc. logo
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License Verified:

License: 2750768

Commonwealth of Virginia State Corporation Commission

Beskin-Divers Insurance Group Inc.

300 Southport Circle, Virginia Beach, VA 23452
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  • Life Insurance

Business Description

Beskin-Divers Insurance Group Inc. has been serving Virginia Beach since 1974. It offers whole and term individual life insurance options from various carriers such as Metlife, Progressive, and Safeco. The agency provides company owners with policies for its employees and key persons to business operations. Disability, long-term care, and mortgage protection coverages are also available to relieve the financial burden of those left behind. Beskin-Divers has given community support to United Way and Children's Hospital of The King's Daughters.

License Verified:

License: 2750768

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
4.7 / 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
––
Bunn Insurance Agency logo
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Bunn Insurance Agency

1248 Culver Lane, Virginia Beach, VA 23454
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Business Description

Bunn Insurance Agency sells life insurance coverage that enables clients to provision for their final expenses and any after-life costs and family needs. It consults clients on their life circumstances and offers policy terms that best satisfy their coverage needs and protect their families from significant financial losses. Bunn Insurance Agency also offers long-term care coverage in case clients become severely disabled. This agency insures properties, automobiles, and businesses as well.

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
4.9 / 5 (31)
Facebook
2.8 / 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
Cheeks Insurance Agency, LLC logo
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License Verified:

License: 131894

Commonwealth of Virginia State Corporation Commission

Cheeks Insurance Agency, LLC

4968 Euclid Road, Virginia Beach, VA 23462
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  • Life Insurance

Business Description

Cheeks Insurance Agency, LLC, is a Virginia Beach-based insurance agency that provides insurance solutions and products to clients throughout the metro area. It provides whole life and term life insurance with terms ranging from 10, 20, and 30 years. It also offers other coverage needs, such as home, business, and auto insurance. The firm accommodates clients who have questions about their policies and want to review their current plans. Cheeks Insurance Agency has more than eight years of experience in the industry.

License Verified:

License: 131894

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 (4)
Facebook
3.0 / 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
Choice Insurance Agency logo
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License Verified:

License: 100017

Commonwealth of Virginia State Corporation Commission

Choice Insurance Agency

4664 South Blvd, Virginia Beach, VA 23452
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  • Life Insurance
  • Health Insurance

Business Description

Choice Insurance Agency provides residential and commercial clientele in the Virginia Beach area with insurance products. These products range from term and whole life insurance to health insurance plans tailored for businesses of different sizes. With over 50 years of combined industry experience, its insurance professionals work with clients to assist them in understanding their options and help them find coverage plans suited to their needs. The Business Magazine of Coastal Virginia named the agency as Best Life Insurance Provider in 2021.

License Verified:

License: 100017

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 (3)
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
Connie Phillips Insurance logo
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License Verified:

License: 108156

Commonwealth of Virginia State Corporation Commission

Connie Phillips Insurance

300 25th Street, Virginia Beach, VA 23451
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  • Life Insurance

Business Description

Connie Phillips Insurance is an independent agency serving individuals and families in the Virginia Beach community. The company has been in the industry for over 36 years, providing life insurance policies to clients looking for term or whole life coverage. Its agents also offer health, disability, auto, home, personal umbrella, and business plans. In 2020, the company received the Business Partner of the Year Award from SEVA-CAI. Its staff members can communicate in Spanish.

License Verified:

License: 108156

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 (5)
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
Hampton Roads Insurance Service logo
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Hampton Roads Insurance Service

633 Independence Boulevard, Virginia Beach, VA 23462
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Business Description

Hampton Roads Insurance Service offers insurance products and services to clients in the Virginia Beach metro area. This company offers many types of insurance plans for health, life, disability, and automobile claims. It also offers a variety of products through its affiliation with Progressive. Homeowners' insurance programs are available through this agency to protect both the structure and possessions inside. FR 44 insurance and SR 22 insurance plans are available as well.

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
4.8 / 5 (18)
Facebook
4.0 / 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
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Insurance Strategies The Cooksey Agency logo
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License Verified:

License: 104594

Commonwealth of Virginia State Corporation Commission

Insurance Strategies The Cooksey Agency

2208 Welbeck Lane, Virginia Beach, VA 23456
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  • Individual Plans
  • Life Insurance

Business Description

Insurance Strategies The Cooksey Agency is an independent and multi-line company that helps families, individuals, and businesses in Virginia Beach and the surrounding communities. The business specializes in personal insurance products that include auto, disability, life, flood, and dental. Its services range from death benefit protection to retirement planning strategies. Insurance Strategies The Cooksey Agency also offers commercial insurance products that cover BOP, restaurants, and general liability. In addition, the firm's agents create strategies tailored to the customers' goals and needs.

License Verified:

License: 104594

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 (18)
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
Legacy Planning Alliance, Inc. logo
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Legacy Planning Alliance, Inc.

911 First Colonial Rd Ste 100, Virginia Beach, VA 23454
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Business Description

Legacy Planning Alliance Inc. has helped its clients navigate the complexities of financial planning to achieve their goals since 1989. The independent life insurance company in Virginia Beach represents a select group of top carriers to provide the most comprehensive products for their clients. Its agents consult with individuals and assess their current and potential earnings, debts, familial responsibilities, and assets before making recommendations for a life insurance plan. They advise on term, whole, and universal products as well as annuities, tailored to meet their clients' needs. Legacy Planning Alliance also offers a variety of health insurance policies as well as supplements, such as long-term care and disability.

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

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
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Matt Roenker Insurance Agency logo
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License Verified:

License: 146308

Commonwealth of Virginia State Corporation Commission

Matt Roenker Insurance Agency

4870 Haygood Road, Virginia Beach, VA 23455
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  • Life Insurance

Business Description

Matt Roenker Insurance Agency is a family-owned insurance firm that serves families and individuals in the Virginia Beach area. It offers personalized life insurance policies, such as term life and whole life, to help clients prepare for unexpected occurrences or life-changing events in the future. The company also provides risk protection packages for annuities, automobiles, homeowners, and recreational vehicles. The company has been in operation since 1969. It aims to offer services with hands-on and knowledgeable strategies.

License Verified:

License: 146308

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 (31)

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
Paula Faivre logo
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License Verified:

License: 133440

Commonwealth of Virginia State Corporation Commission

Paula Faivre

2052 South Independence Boulevard, Virginia Beach, VA 23453
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  • Life Insurance
  • Health Insurance

Business Description

Paula Faivre is an insurance agent with more than 29 years of service in the industry. She provides auto insurance, homeowners insurance, business insurance, and property insurance to clients in Virginia Beach. In addition, she assists clients in looking for life insurance, health insurance, and pet insurance. Paula Faivre is affiliated with State Farm Life Insurance Company, State Farm Life and Accident Assurance Company, and American Pet Insurance Company. Aside from insurances, Paula Faivre offers banking, mutual funds, and annuities.

License Verified:

License: 133440

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
5.0 / 5 (34)
Facebook
5.0 / 5 (12)
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
Prosper Insurance logo
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Prosper Insurance

2929 Sabre Street, Virginia Beach, VA 23452
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Business Description

Prosper Insurance offers various insurance programs for individuals and businesses in Virginia Beach. Opened in 2007, the company partners with more than 30 insurance carriers. For individuals, it provides life, homeowners, automobile, renters, personal watercraft, and umbrella insurance. It offers businesses coverage in cyber-liability and business compromise as well as in professional liability, errors, and omissions. It also protects businesses via coverage involving employment practices, workers' compensation, commercial auto and fleet, property and flood, and mobile equipment.

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 (1162)
Facebook
4.9 / 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
Quality Insurance Partners logo
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License Verified:

License: 137494

Commonwealth of Virginia State Corporation Commission

Quality Insurance Partners

2020 General Booth Blvd. Suite 200, Virginia Beach, VA 23454
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  • Life Insurance

Business Description

Quality Insurance Partners provides services to clients in Virginia Beach and the surrounding areas. The locally owned company offers personal coverage plans, including life, auto, and property insurance. Its staff handles protection policies for long-term care and annuities. Other offerings include homeowner insurance, landlord protection, umbrella policy, flood damage protection, and classic car insurance. The firm is also available for business needs, such as professional liability, commercial umbrella, general liability, and worker compensation.

License Verified:

License: 137494

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
Facebook
4.9 / 5 (29)
Google
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
Sharon Lynch logo
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License Verified:

License: 110404

Commonwealth of Virginia State Corporation Commission

Sharon Lynch

3617 Dam Neck Road, Virginia Beach, VA 23453
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  • Life Insurance
  • Health Insurance

Business Description

Sharon Lynch is an insurance agent partnered with State Farm that serves the residents of Virginia Beach and the surrounding areas. She offers life insurance products, including term life, whole life, and universal life policies. She also offers auto, home, health, and property insurance. She has a team of agents that speak multiple languages like Tagalog, Spanish, and English. Business owners can also connect with Sharon and her team to get commercial auto, workers' compensation, and liability umbrella coverage.

License Verified:

License: 110404

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 (63)
Facebook
4.0 / 5 (9)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Spencer Financial Services, Inc logo
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Spencer Financial Services, Inc

291 Independence Blvd Ste 123, Virginia Beach, VA 23462
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Business Description

Spencer Financial Services Inc. provides comprehensive strategies to help clients achieve their financial goals. Principal Michael Spencer has worked in the financial profession for more than 30 years. He recommends that his clients include life insurance and annuities in their portfolios to provide for their futures and protect family and assets. As an independent insurance agency, Spencer Financial Services works with a network of top-rated carriers, many of which have built-in riders for leveraging long-term care benefits from life insurance policies. The company also works with individuals who require supplementing their retirement income with regular annuity payments. Mr. Spencer offers products tailored to meet his clients' needs.

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
Toby Leffel Insurance Agency logo
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Toby Leffel Insurance Agency

921 First Colonial Road, Virginia Beach, VA 23454
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Business Description

Toby Leffel Insurance Agency serves the Virginia Beach metro area and assists clients with a multitude of life and health insurance needs. This agency has been in business since 1982 and consults clients to determine their goals and recommend insurance plans that best cover their liabilities. Toby Leffel Insurance Agency can also assist clients with policies for property insurance, auto insurance, or business insurance. Full client services are available for those facing issues with their 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
Google
4.9 / 5 (28)

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
Ware Insurance logo
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Ware Insurance

141 Business Park Drive, Virginia Beach, VA 23462
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Business Description

Founded in 1961, Ware Insurance offers clients personal and business insurance options in the Virginia Beach area. The company provides life and health insurance coverage, including individual disability, association health plans, ancillary benefits, and business overhead protection, in addition to group medical, vision, dental, and life insurance. A risk management approach helps clients understand what coverage is right for them, and customized options are available. Industries insured include retail, professional services, agriculture, and construction. Other services include claims management and bonding.

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
5.0 / 5 (3)
Facebook
3.7 / 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
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.

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