The top-rated life insurance agent in Melville, New York is First Heritage Insurance Agency, rated 4.9 stars across 1,453 reviews. Other highly rated options include PRK Insurance Agency Inc, Brian M. Gill - State Farm Insurance Agent, Plan Medicare - Long Island Medicare Agent. This directory lists 22 life insurance agents serving Melville.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | First Heritage Insurance Agency | 324 S Service Rd | (631) 659-0189 |
| 2 | PRK Insurance Agency Inc | 425 Broadhollow Rd Suite 415 | (516) 799-9001 |
| 3 | Brian M. Gill - State Farm Insurance Agent | 713 Walt Whitman Rd | (631) 549-9444 |
| 4 | Plan Medicare - Long Island Medicare Agent | 48 S Service Rd Suite 400 | (516) 900-7877 |
| 5 | YZ Insurance Group | 555 Broadhollow Rd # 303 | (516) 464-2100 |
| 6 | Coverland Brokerage Inc | 555 Broadhollow Rd #117 | (516) 696-3590 |
| 7 | The Modern Medicare Agency | 445 Broadhollow Rd #25 | (631) 387-4403 |
| 8 | MICHAEL M INSURANCE SERVICES | 445 Broadhollow Rd #25 | (631) 774-3786 |
| 9 | Safe Haven Insurance Agency | 555 Broadhollow Rd | (631) 608-1137 |
| 10 | Jane O'Malley Insurance | 532 Broadhollow Rd #106 | (631) 804-5523 |
First Heritage Insurance Agency serves the Melville, New York area as a local life insurance agent. The company assists clients in navigating life insurance options to protect their families and financial futures. It provides coverage designed to meet individual needs within the local community. The agency emphasizes personalized consultations to help residents understand their policies. Services include term life insurance to offer temporary coverage and whole life insurance for lifelong protection with cash value accumulation.
PRK Insurance Agency Inc, based in Melville, NY, provides a full range of life insurance agent services to help clients plan for long-term financial security and family protection. Its service approach focuses on assessing individual coverage needs and offering ongoing policy reviews to adjust plans as life circumstances change. Maintenance plans include annual consultations to ensure beneficiaries and coverage amounts remain properly aligned. The agency services the life insurance needs of individuals in single-family homes, apartments, retail, and restaurants.
Brian M. Gill of the Melville, New York, State Farm Insurance Agency focuses on serving area homeowners, renters, and small-business operators who need tailored coverage solutions. As a dedicated life insurance agent, he guides clients in selecting suitable products to help protect their families’ financial futures against unforeseen events. Additional services include auto and home insurance consultations designed to meet individual needs and local risk factors. Brian M. Gill’s practice also provides coverage guidance to households in adjacent sections of Suffolk County.
Located in Melville, NY, Plan Medicare-Long Island Medicare Agent distinguishes between one-time policy reviews and ongoing service agreements for life insurance coverage. The agency assists clients in comparing term policies for temporary protection or whole life for permanent benefits. Education on premium structures and beneficiary designations is provided during consultations. These services operate strictly on an as-needed basis, allowing policyholders to request plan adjustments or annual coverage evaluations whenever their circumstances change.
YZ Insurance Group serves clients in Melville, NY, and the surrounding Long Island communities. The agency handles a full range of life insurance policies, including term, whole, and universal life products designed to protect families and secure financial futures. To serve each client, the agency first assesses individual needs and financial goals, then compares coverage options from multiple carriers. This method allows the agent to recommend a tailored policy that fits a specific budget while providing adequate risk protection.
Coverland Brokerage Inc in Melville, NY offers specialty services in life insurance planning, including term and permanent policy options tailored to individual needs. It also provides general coverage guidance for local residents seeking financial protection. The company assists clients with integrating life insurance into broader long-term financial strategies. It particularly helps families address concerns about income replacement and debt coverage after a loss. During open enrollment periods, it advises on adjusting existing policies to reflect major life changes like marriage or the birth of a child.
With open enrollment season approaching on Long Island, many Melville residents are evaluating their coverage needs. The Modern Medicare Agency provides guidance on life insurance policies that offer financial protection for families. Their agents help clients compare term and whole life options while considering local costs of living. They also explain how beneficiaries receive payouts and how policies might integrate with existing estate plans. A thorough initial consultation reviews each client’s current coverage gaps and financial objectives during a no-obligation assessment.
Michael M Insurance Services assists clients in Melville with securing appropriate life insurance policies to protect their financial futures. The company specializes in guiding individuals through term, whole, and universal life insurance options tailored to specific needs. Policyholders benefit from coverage designed to provide income replacement and debt protection. Commercial clients in the area, including offices, warehouses, and food service operations, can also arrange key person policies to safeguard business continuity in the event of an owner or executive's passing.
Safe Haven Insurance Agency serves Melville residents seeking personal life insurance coverage, offering term and permanent policies tailored to individual financial goals. For commercial clients, the agency provides business continuation and key person coverage to protect local enterprises throughout Long Island. Their service area extends across Suffolk and Nassau counties, assisting families and businesses with policy reviews and beneficiary updates. Safe Haven maintains ongoing relationships, scheduling annual check-ins to adjust coverage as clients’ needs evolve between regular service visits.
What Does a a Life Insurance Agent in Melville Cost?
Life insurance agent services in Melville typically do not charge a separate fee because agents earn commissions from the insurance company. For a healthy 35 year old in New York, a 20 year term life policy of 500,000 dollars may cost between 25 and 40 dollars per month. Costs vary based on age, health, policy type, and coverage amount. This is general information and not insurance advice.
About life insurance agents in Melville
Life insurance agents in Melville, New York help residents and businesses find coverage to protect their families and assets. New York State requires all life insurance agents to hold a valid license from the Department of Financial Services. Working with a local agent can simplify the process of comparing term life, whole life, and other policy types available in Suffolk County.
Frequently Asked Questions
What license does a life insurance agent in Melville need?
In New York, a life insurance agent must hold a valid license issued by the New York State Department of Financial Services. This license requires passing a state exam and completing continuing education courses every two years.
How do I choose a life insurance agent in Melville?
Look for an agent who is licensed in New York and has experience with policies that meet your needs. You can verify an agents license on the DFS website and ask about their familiarity with local insurers and New York regulations.
What is the free look period for life insurance in New York?
New York State law provides a free look period of at least 10 days for most life insurance policies. During this time you can cancel the policy for a full refund if you change your mind.
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