The top-rated life insurance agent in Johnston, Rhode Island is Jose Espejo: Allstate Insurance, rated 5.0 stars across 250 reviews. Other highly rated options include Expert Insurance, Narragansett Bay Insurance Company, Graham Insurance Inc. - Vincent S Podmaska - Nationwide Insurance. This directory lists 18 life insurance agents serving Johnston.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jose Espejo: Allstate Insurance | 1318 Plainfield St | (401) 831-2099 |
| 2 | Expert Insurance | 1705 Hartford Ave | (401) 709-7720 |
| 3 | Narragansett Bay Insurance Company | 1301 Atwood Ave #102W | (401) 725-5600 |
| 4 | Graham Insurance Inc. - Vincent S Podmaska - Nationwide Insurance | 1465 Atwood Ave | (401) 273-8700 |
| 5 | Tax Insurance Solutions | 1215 Plainfield St | (401) 944-1512 |
| 6 | Smyth Business Solutions | 1665 Hartford Ave | (401) 227-9256 |
| 7 | Kelvin Taveras: Allstate Insurance | 1318 Plainfield St | (401) 824-7813 |
| 8 | Cesar Loaiza: Allstate Insurance | 653 Killingly St | (401) 942-0500 |
| 9 | Capital Insurance Group | 454 George Waterman Rd | (401) 349-5757 |
| 10 | Jack Noonan, Financial Professional - New York Life | 1301 Atwood Ave Ste 306n | (401) 276-7439 |
Jose Espejo: Allstate Insurance serves the Johnston, Rhode Island area as a dedicated life insurance agent. The agency helps local residents select policies designed to provide financial protection for their families over the long term. Navigating different policy types can be complex, so the agent assists clients in understanding coverage options that align with their personal needs and budgets. The agency offers term Life policies and whole life insurance products for Johnston clients seeking reliable estate planning or income replacement solutions.
Expert Insurance serves homeowners and families in Johnston, Rhode Island, by offering life insurance policies designed to help protect financial security. The agency guides clients through the process of selecting appropriate coverage amounts for their needs. They explain how different policy types can support beneficiaries during difficult times. The company also assists local property managers with business life insurance solutions for Johnston and the neighboring communities of Providence and Cranston.
Narragansett Bay Insurance Company provides a range of life insurance agent services to clients in Johnston, RI, including term and whole life policy planning. It offers ongoing policy reviews and update assistance to help maintain proper coverage as life circumstances change. The agency also provides claims support, working directly with policyholders to guide them through the filing process. This company services properties such as single-family homes, apartments, retail establishments, and restaurants in the local area.
Graham Insurance Inc. - Vincent S Podmaska - Nationwide Insurance serves Johnston, Rhode Island, and its surrounding communities. As a life insurance agent, the company handles life insurance policies designed to provide financial protection for families and beneficiaries. These policies help cover final expenses, replace lost income, or pay off debts after a client’s death. When working with clients, the agency typically assesses their personal financial needs, existing coverage, and long-term goals to recommend an appropriate policy type and benefit amount.
For those seeking occasional financial security rather than ongoing policy management, Tax Insurance Solutions in Johnston, RI, focuses on one-time life insurance arrangements to cover immediate needs while also offering scheduled term plans for continued family protection. Their agents assist with comparing carriers to find appropriate coverage at established rates. Service runs on a scheduled basis for regular policy reviews, as well as on an as-needed basis for beneficiary updates or claim guidance.
Smyth Business Solutions specializes in life insurance products designed to protect families financially. The company serves clients in Johnston, Rhode Island, guiding them through various policy options to match individual needs and budgets. As a local life insurance agent, it focuses on helping residents secure long-term coverage for their households. The agency also assists with adjusting existing plans during major transitions, such as preparing for retirement or managing coverage needs after a significant life change like a new baby or a recent home purchase.
Kelvin Taveras: Allstate Insurance in Johnston, RI, helps clients evaluate their coverage needs for long-term financial protection. As a life insurance agent, the agency specializes in adding term life, whole life, and universal life policies to existing home and auto plans. This approach aims to support families and individuals in safeguarding their incomes and final expenses. The office provides these services for residential clients, local offices, warehouses, and food service establishments.
As winter arrives in Johnston, many residents begin reviewing their financial safety nets to ensure loved ones are protected. Cesar Loaiza: Allstate Insurance helps local families understand life insurance options that fit their budgets. An agent can walk clients through term and whole life policies, explaining how each might support dependents after an unexpected loss. This Johnston office focuses on practical coverage tailored to individual circumstances. A typical first step involves a free, no-obligation review of current coverage and personal needs to identify suitable solutions.
Capital Insurance Group serves residents of Johnston, Rhode Island, by providing life insurance policies tailored to individual financial protection needs. The agency also assists local businesses with commercial coverage options to safeguard their operations and employees. Services extend throughout the greater Providence area, ensuring accessibility for a range of clients. Their agents typically review policy details during initial consultations and maintain ongoing communication, offering follow-up support between regular scheduled visits to adjust coverage as life circumstances change.
Jack Noonan, Financial Professional - New York Life in Johnston, RI, is known for guiding individuals and families through the process of securing financial protection. The company offers a range of life insurance options designed to meet different income needs and future goals. Working within the local Rhode Island community, it helps clients evaluate coverage that can address final expenses or replace lost income. In addition to these core services, the agency can provide assistance with planning for long-term care needs.
What Does a a Life Insurance Agent in Johnston Cost?
A typical term life insurance policy for a healthy 35 year old in Rhode Island costs between 25 and 50 dollars per month for 500000 dollars of coverage. Whole life policies generally range from 100 to 300 dollars per month for the same face amount. Costs vary based on age health coverage amount and policy type. This is general information not insurance advice.
About life insurance agents in Johnston
Life insurance agents in Johnston Rhode Island help residents secure financial protection for their families. Rhode Island law requires agents to hold a state issued license and follow strict disclosure rules. Local agents can guide you through term life whole life and universal life options tailored to your needs.
Frequently Asked Questions
What license does a life insurance agent in Johnston need?
Agents must hold a Rhode Island resident producers license issued by the Rhode Island Department of Business Regulation. This requires passing the state insurance exam and completing continuing education courses every two years.
How long does a life insurance application take in Rhode Island?
The application process typically takes 2 to 6 weeks from submission to policy issuance. Rhode Island law gives insurers a 45 day window to approve or deny a policy after receiving all required medical information.
Can I buy life insurance without a medical exam in Johnston?
Yes many insurers offer simplified issue or guaranteed issue policies that do not require a medical exam. These policies often have lower coverage limits and higher premiums compared to fully underwritten plans.
Life Insurance Agents in Other Rhode Island Cities
Cranston · East Greenwich · East Providence · Lincoln · Middletown · Newport · North Kingstown · Pawtucket · Providence · Warwick