The top-rated final expense insurance agent in Long Beach, New York is Mackoul Risk Solutions, rated 4.9 stars across 186 reviews. Other highly rated options include Meyerson-Roth Co / DCAP Insurance, Denis A. Miller Insurance Agency, Inc., Edwin J. O'Toole Insurance Agency. This directory lists 10 final expense insurance agents serving Long Beach.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mackoul Risk Solutions | 216 W Park Ave | (866) 622-5685 |
| 2 | Meyerson-Roth Co / DCAP Insurance | 30b W Park Ave | (516) 432-5800 |
| 3 | Denis A. Miller Insurance Agency, Inc. | 28 E Park Ave | (516) 432-9245 |
| 4 | Edwin J. O'Toole Insurance Agency | 727A W Park Ave | (516) 764-7800 |
| 5 | Hometown Atlantic Inc | 120 W Park Ave # 209 | (516) 670-9305 |
| 6 | Insurance Agency | 832 W Beech St | (914) 256-2294 |
| 7 | DCAP Insurance | 30b, 30 W Park Ave | (516) 432-5800 |
| 8 | Jil Agency, Ltd | 1013 W Beech St | (516) 432-4800 |
| 9 | Filos Agency Inc. | 814 W Beech St | (516) 897-4546 |
| 10 | Greg Romer Insurance | 40 Louisiana St | (908) 400-4469 |
Mackoul Risk Solutions serves Long Beach, New York, and the surrounding Nassau County area as a final expense insurance agency. It focuses on helping clients arrange affordable burial and funeral coverage. Whole life insurance policies are often recommended to cover end-of-life costs. The agency guides families through the process of selecting a plan that fits their budget. Specific services handled include final expense life insurance and funeral planning assistance for seniors.
Meyerson-Roth Co / DCAP Insurance provides final expense insurance services in the Long Beach, New York area, helping clients secure funeral and burial cost coverage through simplified-issue life policies. Its service approach includes guiding applicants through health questions and policy selection to ensure straightforward claim settlement. The company serves individuals and families residing in single-family homes, apartments, retail stores, and restaurants throughout the local community.
Denis A. Miller Insurance Agency, Inc. in Long Beach, NY serves older adults and families who are planning for end-of-life expenses. The agency helps clients arrange final expense insurance policies meant to cover funeral costs and outstanding debts. These confidential consultations provide clear guidance tailored to individual financial situations. Working through part of the Long Island metro, this office also assists residents in neighboring communities like Atlantic Beach.
Edwin J. O'Toole Insurance Agency serves Long Beach and the surrounding south shore communities of Nassau County, handling final expense insurance policies for local residents. These plans cover end-of-life costs such as funeral services and outstanding medical bills, helping families avoid financial burdens during a difficult time. The agency works with individual clients to evaluate their needs, offering straightforward information so families can take care of their funeral expenses without leaving total costs to loved ones after they pass away.
Located in Long Beach, New York, Hometown Atlantic Inc assists families with final expense insurance. Unlike one-time service arrangements for a single event, this category typically offers coverage to help manage end-of-life costs. Final expense policies are designed to pre-fund burial and related expenses, providing financial structure for surviving relatives. Clients can choose from service options that best fit their need for planning flexibility. Service runs on a one-time, scheduled, or as-needed basis depending on the client’s preference and policy selection.
Serving Long Beach, NY, this agency specializes in final expense life insurance, offering policies designed to cover funeral costs and end-of-life medical bills. It provides professional guidance to seniors and their families, helping them choose affordable plans that fit their budgets without requiring a medical exam. The agency assists clients with understanding policy terms and simplifying the application process. It also helps families address the financial strain often created by unexpected end-of-life expenses during the cold winter months when heating and burial costs simultaneously rise.
DCAP Insurance offers both one-time and ongoing service options for final expense planning in Long Beach, New York. One-time services typically address immediate funeral funding needs, while recurring options adjust coverage as life circumstances evolve. Their policies help ensure funeral and burial costs are not left to loved ones. As part of the community, they provide focused guidance on selecting appropriate benefits. Service runs on a one-time, scheduled, or as-needed basis, with meetings arranged by appointment to discuss individual preferences and requirements.
As local families in Long Beach navigate the practical concerns of end-of-life planning, Jil Agency, Ltd provides straightforward final expense insurance guidance. The agency focuses on helping residents secure coverage for funeral and burial costs, ensuring loved ones are not burdened with unexpected financial strain during a difficult time. Their approach involves explaining policy options in clear, accessible terms tailored to each individual's circumstances. The process begins with a personal consultation appointment, during which the agent reviews the client's current needs and desired level of protection.
Filos Agency Inc. provides final expense insurance agent services to clients in Long Beach, New York, focusing on helping individuals arrange coverage for end-of-life costs. The firm specializes in managing policies that cover funeral expenses and outstanding debts after a policyholder passes away. It assists local residents in planning their financial affairs for peace of mind. The agency can also serve various commercial sectors, including offices, warehouses, and food service establishments.
Greg Romer Insurance provides final expense insurance agent services to residents in the Long Beach, New York area. The agency works with individuals seeking to arrange coverage for end-of-life costs, offering straightforward policy guidance. Their professional approach ensures clients understand their options for manageable coverage. The company’s service area focuses on the local community. They assist with commercial coverage needs as well, where applicable. Regular visits and follow-up planning help families adjust policies as circumstances change, allowing for continued support between annual review appointments.
What Does a a Final Expense Insurance Agent in Long Beach Cost?
Final expense insurance costs in Long Beach, New York typically range from 30 to 150 dollars per month depending on your age, health, and coverage amount. Policies usually offer death benefits between 5,000 and 25,000 dollars. New York law requires insurers to clearly state premium rates and any potential increases. This is general information and not insurance advice.
About final expense insurance agents in Long Beach
Final expense insurance agents in Long Beach, New York help residents secure coverage for end-of-life costs like funerals and medical bills. New York law requires agents to be licensed by the Department of Financial Services and follow strict disclosure rules. Local agents can explain how these policies work within the state's insurance framework.
Frequently Asked Questions
What does a final expense insurance agent in Long Beach do?
A final expense insurance agent helps you choose a small life insurance policy to cover burial and other final costs. They assess your needs, compare plans from different insurers, and guide you through the application process. In New York, agents must provide clear policy summaries and cannot misrepresent coverage.
Is a medical exam required for final expense insurance in New York?
Most final expense policies in New York do not require a medical exam. Instead, insurers use simplified underwriting with health questions. However, some policies may have waiting periods for pre-existing conditions as allowed by state law.
How do New York regulations affect final expense insurance?
New York has strict rules to protect consumers. For example, insurers must offer a free look period of at least 10 days to cancel the policy for a full refund. Agents must also follow the state's suitability standards to ensure the policy fits your needs and budget.
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