The top-rated life insurance agent in Troy, New York is Mick Butler - State Farm Insurance Agent, rated 4.9 stars across 259 reviews. Other highly rated options include Kelly McGrath - State Farm Insurance Agent, Attanasio Agency, LLC, John Loughlin - State Farm Insurance Agent. This directory lists 13 life insurance agents serving Troy.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Mick Butler - State Farm Insurance Agent | 961 Hoosick Rd | (518) 237-6425 |
| 2 | Kelly McGrath - State Farm Insurance Agent | 233 N Greenbush Rd | (518) 272-7000 |
| 3 | Attanasio Agency, LLC | 235 Pawling Ave | (518) 266-0311 |
| 4 | John Loughlin - State Farm Insurance Agent | 160 Oakwood Ave | (518) 266-9965 |
| 5 | Freeway Insurance | 351 Broadway | (518) 520-0450 |
| 6 | Culnan Insurance Agency LLC | 16C N Greenbush Rd | (518) 326-1191 |
| 7 | Wm. J. Fagan & Sons, Inc | 15 1st St | (518) 272-3471 |
| 8 | Met Life | 500 Jordan Rd | (518) 691-0764 |
| 9 | Brundige Insurance Agency | 8 Grange Rd | (518) 279-1940 |
| 10 | Insurance Depot | 639 Pawling Ave | (518) 279-1190 |
Mick Butler - State Farm Insurance Agent serves the Troy, New York, area and the surrounding Rensselaer County region as a local life insurance agent. This agency helps customers secure financial protection for their families through personalized coverage options. Policyholders receive assistance with selecting suitable plans that address long-term income replacement and final expense needs. Individual consultations help clarify policy terms and premium structures. Clients can also manage renewals and update beneficiaries in person. Specific services commonly handled here include term life insurance policies and whole life insurance policies with cash value accumulation.
Kelly McGrath - State Farm Insurance Agent in Troy, NY, provides life insurance policies along with related financial planning services. Clients can arrange consultations to discuss coverage needs for income replacement, debt protection, and final expenses. The office then assists with policy selection, application, and account maintenance to ensure plans remain aligned with changing life circumstances. Its services support property owners including single-family homes, apartments, retail businesses, and restaurants.
Homeowners, small businesses, and property managers in Troy, NY turn to Attanasio Agency, LLC for guidance on life insurance policies tailored to protect personal and professional assets. The agency helps clients understand term and whole life options to support estate planning and income replacement. Its agents work closely with families and entrepreneurs to assess individual coverage needs. Servicing the broader Capital District, Attanasio Agency also provides assistance to residents in neighboring Albany.
Serving Troy, New York, and the surrounding communities, John Loughlin - State Farm Insurance Agent handles life insurance needs for local individuals and families. The agency works with clients to evaluate their financial responsibilities and long-term goals for their loved ones. Services include term and permanent coverage options designed to meet diverse situations. To handle a typical job, the agent begins with a preliminary consultation to help clients understand their coverage choices and determine an appropriate policy fit.
Freeway Insurance offers clients the choice between a one-time policy review and recurring service appointments to adjust coverage as needs evolve. Located in Troy, New York, the company provides life insurance that helps families manage financial obligations after a loss. Agents in this area typically guide customers in comparing term versus whole life options based on individual budgets. For those requiring flexibility, service runs on a scheduled or as-needed basis rather than a rigid calendar.
Culnan Insurance Agency LLC in Troy, NY distinguishes between one-time term policies for temporary coverage and recurring permanent plans that build long-term cash value. Life insurance agents help clients protect their families against financial hardship from an unexpected death, with coverage options tailored for different life stages and budgets. Policies offer predictable premiums or flexible payment structures depending on the chosen plan. Service runs on a one-time, scheduled, or as-needed basis based on annual policy reviews and client requests.
Wm. J. Fagan & Sons, Inc in Troy, NY provides life insurance agent services, specializing in helping clients select appropriate coverage levels for their individual circumstances. The company then works with customers to apply for policies and manage existing accounts. This general service work includes explaining the differences between term and whole life insurance options. As the winter season brings increased concerns about health emergencies and travel safety, the agency helps local residents review their beneficiaries and ensure their coverage remains adequate.
As the leaves turn and Troy families begin planning for the year ahead, Met Life provides local life insurance agent services to help secure financial stability. They assist clients with options that cover end-of-life expenses and income replacement for loved ones. Meeting with an agent is a straightforward process that begins with a no-obligation review of individual coverage needs and household circumstances. The initial step involves a simple conversation and a complimentary personal policy assessment.
Brundige Insurance Agency in Troy, NY helps individuals and families secure financial protection through life insurance policies. The agency focuses specifically on life insurance, guiding clients in choosing coverage that addresses future needs and long-term planning. Policies can help beneficiaries manage expenses and maintain stability after a loss. Brundige Insurance Agency serves the local community, offering its services to those operating offices, warehouses, and food service establishments throughout the area.
Insurance Depot provides life insurance services to residents in Troy, New York, and the surrounding areas, ensuring families have appropriate coverage for their long-term needs. The agency also addresses commercial life insurance requirements for local businesses seeking to protect their operations and key personnel. Clients can expect clear explanations of policy options during initial consultations. The company regularly follows up with policyholders between scheduled visits to review coverage adjustments or answer any new questions that arise.
What Does a a Life Insurance Agent in Troy Cost?
Life insurance costs in New York vary based on age, health, coverage amount, and policy type. A healthy 35-year-old in Troy might pay between $25 and $50 per month for a $500,000 term life policy. Whole life policies are more expensive, often starting at $100 per month for the same coverage. Rates are regulated by New York law, but each insurer sets its own prices. This is general information, not insurance advice.
About life insurance agents in Troy
Life insurance agents in Troy, New York help residents find coverage that fits their needs and budget. New York State has specific regulations, such as the requirement that agents must be licensed by the Department of Financial Services. A local agent can guide you through options like term life, whole life, and universal life policies while explaining how New York law affects your policy.
Frequently Asked Questions
What license does a life insurance agent in Troy need?
In New York, a life insurance agent must hold a valid license from the New York State Department of Financial Services. They must complete pre-licensing education and pass a state exam. You can verify an agents license on the DFS website.
How does New York law affect life insurance policies?
New York has a free look period of at least 10 days for life insurance policies, allowing you to cancel for a full refund. The state also requires insurers to offer a guaranteed death benefit if premiums are paid. Agents must follow strict disclosure rules.
What types of life insurance are common in Troy New York?
Common types include term life, whole life, and universal life insurance. Many Troy residents choose term life for affordable temporary coverage. Whole life and universal life offer permanent protection with a cash value component.
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