The top-rated life insurance agent in Bay Shore, New York is Sound Harbor Insurance, rated 5.0 stars across 342 reviews. Other highly rated options include Fidelis Care - Bay Shore Community Office, Anthony Machiano: Allstate Insurance, Michael S. Stagnitta - State Farm Insurance Agent. This directory lists 17 life insurance agents serving Bay Shore.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sound Harbor Insurance | 91 E Main St Suite 3 | (631) 517-9211 |
| 2 | Fidelis Care - Bay Shore Community Office | 1656-G 5th Ave | (631) 231-3696 |
| 3 | Anthony Machiano: Allstate Insurance | 67 E Main St | (631) 440-9226 |
| 4 | Michael S. Stagnitta - State Farm Insurance Agent | 87 Park Ave | (631) 666-8350 |
| 5 | Bill Dunn - State Farm Insurance Agent | 1656 5th Ave A | (631) 478-6669 |
| 6 | Douglas Cortez - State Farm Insurance Agent | 1805 5th Ave Ste 14 | (631) 456-4603 |
| 7 | ACME Insurance Brokerage of Bay Shore INC. | 1716 Sunrise Hwy | (631) 665-6464 |
| 8 | Oxford Millin Insurance Agency Ltd | 25 4th Ave | (631) 434-6666 |
| 9 | C Walsh Agency | 28 W Main St | (631) 251-6050 |
| 10 | Jay Tee Insurance | 1655 5th Ave A | (631) 231-3200 |
Sound Harbor Insurance serves the Bay Shore, New York, area as a local life insurance agent. The company assists individuals and families in the surrounding Suffolk County region with selecting appropriate coverage policies. It guides clients through comparing term and whole life insurance options to align with long-term financial planning. The agent also helps residents review policy riders and coverage amounts for their specific household needs. Sound Harbor Insurance handles final expense policies and estate planning support.
Fidelis Care - Bay Shore Community Office provides a full range of life insurance services, including policy selection, application assistance, and ongoing policy maintenance. Its service plans involve reviewing coverage as clients’ needs change and helping with beneficiary updates or policy adjustments. Serving the Bay Shore, NY area, the office addresses insurance needs for local homes and apartments, catering to both young families and established homeowners. It also services retail storefronts and various dining establishments such as restaurants, offering tailored coverage to protect their business assets.
Homeowners, local business owners, and property managers in Bay Shore, New York turn to Anthony Machiano: Allstate Insurance for life insurance agent services. This agency provides guidance on term and whole life policies to protect families and commercial interests. The office assists clients in evaluating coverage options suited to their estate planning needs. Allstate’s representatives offer in-person consultations to explain policy benefits. The agency also serves residents and operators in adjacent communities such as Islip and the broader Suffolk County metro area.
Michael S. Stagnitta - State Farm Insurance Agent serves the Bay Shore, New York area and surrounding communities on Long Island. The agency handles life insurance policies designed to provide financial protection for local families and individuals. A typical process begins with an agent discussing current coverage needs and long-term personal goals. From that conversation, the agency develops a tailored life policy plan to help address those specific priorities. This structured, consultative method ensures each client receives a solution built directly around their individual circumstances.
Bill Dunn - State Farm Insurance Agent in Bay Shore, NY, distinguishes between one-time policy evaluations and ongoing service relationships. The office provides life insurance coverage that helps protect families against financial loss during unexpected events. Common policy types in this area include term, whole, and universal life products tailored to individual needs. Services are available on an as-needed basis, with clients encouraged to schedule annual reviews or contact the agent whenever their circumstances change.
Douglas Cortez - State Farm Insurance Agent in Bay Shore, NY offers life insurance policies designed to provide financial protection for families and individuals. The agency also assists clients with auto, home, and renters insurance to build comprehensive coverage plans. Each policy is tailored to address income replacement, debt repayment, and funeral cost planning. As tax season approaches, the agency helps clients review how their insurance needs may change with new dependents or changing employment.
As the seasons change on Long Island, families often reconsider their financial protection strategies, and ACME Insurance Brokerage of Bay Shore INC. helps them evaluate life insurance options tailored to their situation. Serving the Bay Shore community, this agency guides clients through term and permanent policies designed to cover mortgages, education costs, or final expenses. An agent will review personal circumstances during an initial meeting to determine appropriate coverage needs for each household. A scheduled fact-finding interview begins the process of assessing individual requirements.
Oxford Millin Insurance Agency Ltd in Bay Shore, NY provides life insurance agent services, focusing on individual term and whole life policies to help clients manage their financial futures. As a general practice in this area, the agency can complement those base plans with supplemental accidental death or disability riders upon request. The agency is positioned to evaluate coverage needs for local small offices, operate protections for regional warehouses, and assist with plans that support food service establishments in maintaining operational stability for their staff.
C Walsh Agency serves residents throughout the Bay Shore, NY area with life insurance policies designed to protect families and individuals. The company also offers commercial coverage for local businesses needing employee or key-person plans. Service extends across Suffolk County to assist clients wherever they live or work. Agents help with policy reviews and coverage adjustments, ensuring customers understand their options. Follow-up appointments are scheduled between regular visits to address any life changes that may affect current coverage needs.
Jay Tee Insurance in Bay Shore, NY, is known for helping local individuals and families secure life insurance coverage tailored to their needs. The agency assists clients in navigating policy options, from term life to whole life, ensuring financial protection for loved ones. Services include policy comparisons and guidance through the application process. A specialty service this agent can add on is final expense insurance to cover end-of-life costs.
What Does a a Life Insurance Agent in Bay Shore Cost?
Life insurance costs in Bay Shore New York vary by age health coverage amount and policy type. A healthy 35 year old might pay between 25 and 50 dollars per month for a 20 year 500000 dollar term policy. Whole life insurance premiums can range from 100 to 300 dollars per month for similar coverage. New York state requires insurers to use standard mortality tables and file rates with the Department of Financial Services. This is general information and not insurance advice.
About life insurance agents in Bay Shore
Life insurance agents in Bay Shore New York help residents and small business owners choose policies that meet state requirements. New York law mandates that all life insurance agents must hold a valid license from the New York State Department of Financial Services. Local agents can guide you through options such as term life whole life and universal life insurance tailored to your budget and family needs.
Frequently Asked Questions
What license does a life insurance agent in Bay Shore need?
A life insurance agent in Bay Shore must hold a New York State life insurance license issued by the Department of Financial Services. The agent must complete pre licensing education and pass the state exam. Continuing education is required every two years to keep the license active.
How long does it take to get life insurance in Bay Shore New York?
The application process can take from a few days to several weeks depending on the policy type and your health. Term life policies often have faster approval times than whole life policies. New York law allows a free look period of at least 10 days after you receive the policy.
Can a Bay Shore life insurance agent help with New York estate planning?
Yes many life insurance agents work with estate planning attorneys to coordinate policies with wills and trusts. Life insurance proceeds in New York are generally not subject to state income tax. The agent can help you name beneficiaries and set up an irrevocable life insurance trust if needed.
Life Insurance Agents in Other New York Cities
Albany · Amherst · Amityville · Babylon · Baldwinsville · Bethpage · Binghamton · Brockport · Bronx · Brooklyn · Buffalo · Canandaigua · Cheektowaga · Cicero · Clarence