The top-rated life insurance agent in Alton, Illinois is Renee Manley - State Farm Insurance Agent, rated 4.9 stars across 92 reviews. Other highly rated options include Dwight Tungett - State Farm Insurance Agent, Miller's Insurance Solutions, Farmers Insurance - James Klockenkemper. This directory lists 16 life insurance agents serving Alton.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Renee Manley - State Farm Insurance Agent | 3768 Humbert Rd | (618) 462-0417 |
| 2 | Dwight Tungett - State Farm Insurance Agent | 32 E Delmar Ave | (618) 465-2110 |
| 3 | Miller's Insurance Solutions | 2520 State St | (618) 466-1901 |
| 4 | Farmers Insurance - James Klockenkemper | 603 W Delmar Ave Ste C | (618) 466-9535 |
| 5 | Hellrung Insurance | 119 Market St | (618) 465-5021 |
| 6 | Farmers Insurance - Jacob Warden | 192 Alton Square Mall Dr A | (618) 207-4800 |
| 7 | Shelter Insurance - Mark Birmingham | 402 State St | (618) 462-8752 |
| 8 | Jamie Goble Medicare Insurance Techs | 307 Henry St #302 | (618) 225-7967 |
| 9 | Piasa Insurance Agency | 200 W 3rd St Ste 404 Suite 404 | (618) 462-7529 |
| 10 | The Luken Agency, Inc. | 120 W 3rd St | (618) 462-9211 |
Renee Manley - State Farm Insurance Agent serves the Alton, IL area and nearby communities in Madison County. This agency specializes in helping individuals and families secure their financial futures through life insurance policies. A life insurance agent here works with clients to assess their coverage needs and explains different policy options. They can assist with term life plans that provide protection for a set period and whole life policies that build cash value over time.
Dwight Tungett - State Farm Insurance Agent in Alton, IL, provides life insurance coverage along with related financial planning services. Their service approach includes regular policy reviews to help adjust coverage as clients’ needs evolve. They offer maintenance plans that ensure beneficiaries receive timely support during claims and policy adjustments. Dwight Tungett’s team typically services single-family homes, apartments, retail establishments, and restaurants within the local area.
Homeowners, small business owners, and families in Alton, IL turn to Miller's Insurance Solutions for life insurance coverage designed to protect their financial future. The agency guides clients in selecting term or whole life policies that provide income replacement, debt coverage, and final expense planning. Each recommendation is tailored to individual needs and budget constraints, ensuring practical long-term security. In addition to serving the Alton area, this life insurance agent also extends its services to residents in nearby Godfrey and the greater Riverbend region.
At James Klockenkemper’s Farmers Insurance agency in Alton, Illinois, it serves clients throughout the city and surrounding communities. It handles life insurance policies designed to provide financial protection for families and individuals. The agency generally guides customers through a straightforward needs assessment, matching coverage options to their personal goals and budget. For a typical policy, the agent carefully explains the terms, helps complete required paperwork, and ensures the coverage clearly aligns with each client’s long-term financial situation and family priorities.
Hellrung Insurance provides financial protection planning for individuals and families, with a specialty in life insurance agent services in the Alton, Illinois area. The firm guides clients through policy selection to secure coverage for long-term needs and final expenses. It serves local commercial sectors including offices, warehouses, and food service businesses by offering relevant insurance solutions tailored to their distinct operational requirements.
Farmers Insurance - Jacob Warden in Alton, IL helps clients distinguish between one-time term policies and permanent coverage, which provides ongoing protection and builds cash value over time. As a life insurance agent, this office assists individuals and families with selecting appropriate survivors' benefits and addressing final expense planning. Service is available on an as-needed basis, allowing clients to review their policies or adjust coverage whenever their personal circumstances change.
Shelter Insurance - Mark Birmingham in Alton, IL offers life insurance policy guidance and policy selection services alongside general local agency support. It assists individuals and families in evaluating their coverage needs, including term and whole life options, to help protect loved ones from financial loss. The agency routinely reviews existing policies for adequacy and provides local, in-person advice for claim filing. With changing seasons affecting home and auto risks, it also helps clients update their life insurance to cover new mortgages or a growing family’s future needs.
Jamie Goble Medicare Insurance Techs serves residential clients in Alton, IL, assisting with life insurance needs to help protect families and estates. The agency also handles commercial coverage options for local small business owners seeking financial security strategies. Service extends throughout the Alton area and surrounding communities. Regular follow-up visits allow the agency to review policies and recommend adjustments or additional coverage between annual reviews, ensuring clients can address changes in their circumstances.
As families in Alton, IL, consider end-of-life planning during the quieter winter months, Piasa Insurance Agency assists by explaining how life insurance can protect loved ones from financial hardship. The agency simplifies the process of choosing coverage that fits a household budget and long-term goals. An initial consultation is scheduled to review individual needs and circumstances before any policy recommendations are made.
The Luken Agency, Inc. is an Alton, IL life insurance agent known for guiding clients through coverage selections that match financial goals. Agents assess local client needs, explaining policy differences between term, whole, and universal life plans to provide suitable long-term protection. The company serves area residents by tailoring benefit amounts based on income, debts, and dependents. For families seeking broader security, the agency can also add a living benefits rider for accelerated death benefit access.
What Does a a Life Insurance Agent in Alton Cost?
Life insurance costs in Illinois vary by age, health, and policy type. A typical term life policy for a healthy 35-year-old might cost $20 to $40 per month for $500,000 in coverage. Whole life policies can cost $100 to $300 per month for similar coverage. Costs are higher for older applicants or those with health conditions. This is general information, not insurance advice.
About life insurance agents in Alton
Life insurance agents in Alton, Illinois help residents find coverage to protect their families. Illinois law requires agents to hold a valid license from the Illinois Department of Insurance. Working with a local agent can provide guidance on term life, whole life, and other policy types available in the state.
Frequently Asked Questions
What license does a life insurance agent need in Illinois?
An agent must hold a valid life insurance producer license from the Illinois Department of Insurance. This requires completing pre-licensing education and passing a state exam. Agents must also complete continuing education every two years to renew their license.
How do Illinois life insurance laws affect policy payouts?
Illinois has a 30-day grace period for late premium payments before a policy can lapse. Beneficiaries must file a claim within a reasonable time, and insurers must pay valid claims within 30 days of receiving proof of death. Interest on delayed payments is set by state law.
Can a life insurance agent in Alton help with estate planning?
Yes, many agents can discuss how life insurance fits into an estate plan. However, for complex estate planning, you should also consult an attorney. Life insurance proceeds are generally not subject to probate in Illinois when a beneficiary is named.
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