The top-rated life insurance agent in Salem, Virginia is Northpoint Insurance Advisors, rated 5.0 stars across 202 reviews. Other highly rated options include Whitwell Kelly: Allstate Insurance, Allstate Insurance Agent: Bill Richards, My Insurance People. This directory lists 20 life insurance agents serving Salem.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Northpoint Insurance Advisors | 522 E Main St | (540) 387-9148 |
| 2 | Whitwell Kelly: Allstate Insurance | 603 Apperson Dr | (540) 342-2115 |
| 3 | Allstate Insurance Agent: Bill Richards | 411 Apperson Dr | (540) 387-2527 |
| 4 | My Insurance People | 1617 E Main St | (540) 401-6789 |
| 5 | Darrell Holland - State Farm Insurance Agent | 205 W Main St | (540) 389-1220 |
| 6 | Business Solutions, Inc | 303 E Burwell St | (540) 444-4000 |
| 7 | Ryan Harris Group - a Hilb Group Company | 603 Apperson Dr | (540) 375-9078 |
| 8 | Fisher Insurance Services - Salem | Representing Rockingham Insurance | 100 E Main St | (540) 627-6357 |
| 9 | Burgess DeMarco & Flick Insurance | 730 Apperson Dr | (540) 375-3231 |
| 10 | Lesley Owens - State Farm Insurance Agent | 1451 W Main St | (540) 404-3694 |
Northpoint Insurance Advisors serves the Salem, Virginia area as a life insurance agency, focusing on helping individuals and families secure financial protection. The company assists clients in navigating the process of selecting appropriate coverage to meet their personal needs and future goals. Policies offered are designed to provide a benefit to beneficiaries in the event of a policyholder’s passing. The agency regularly handles term life insurance for temporary needs and whole life insurance for permanent coverage.
Whitwell Kelly: Allstate Insurance provides life insurance agent services to residents and businesses in Salem, VA. They offer guidance on policy options and help clients assess their coverage needs over time. Service includes support for annual policy reviews and assistance with beneficiary updates or plan adjustments. These maintenance activities help ensure coverage remains aligned with changing life circumstances. The agency serves local single-family homes, apartments, retail businesses, and restaurants.
Allstate Insurance Agent Bill Richards in Salem, VA works with homeowners, businesses, and property managers to provide life insurance coverage tailored to their financial needs. Services include helping clients select policies that protect their families and assets against unforeseen events. The agency focuses on guiding customers through the process of understanding life insurance options available in the Salem area. It also provides these protections for residents in nearby Roanoke and the surrounding parts of the Roanoke Valley.
My Insurance People serves Salem, Virginia, and the surrounding communities throughout the Roanoke Valley. As a life insurance agent, the company handles life policies designed to help individuals plan for their families’ financial future. This work includes assessing a client's coverage needs and explaining available term or permanent options. For a typical assignment, the agent gathers personal information, compares policy terms from various carriers, and presents a clear recommendation based on the client's specific financial goals and budget.
Darrell Holland’s agency in Salem, VA offers both one-time policy consultations and recurring service options for ongoing coverage reviews. As a life insurance agent, the office helps individuals evaluate term, whole, and universal policies to match financial goals and family needs. Coverage is tailored to address mortgage protection, income replacement, and final expenses for local residents. Service for new policies and existing plan adjustments runs on a scheduled, as-needed basis.
Business Solutions, Inc. offers guidance on term, whole, and universal life insurance in Salem, Virginia. It assists local families and individuals with comparing policies to find appropriate coverage for income protection and future planning. The company helps clients navigate policy options that address final expense needs. It specifically assists with reviewing coverage options when residents experience major life changes such as a new child or the start of retirement.
Ryan Harris Group, a Hilb Group company, provides professional life insurance agent services to individuals and families in Salem, Virginia. The company's core work involves helping clients assess their protection needs and identify suitable policies. It also offers specialized supplemental coverage options such as accidental death and dismemberment or critical illness insurance. This firm can serve various business sectors, including local offices, warehouses, and food service operations, tailoring its guidance to their specific employee benefit requirements.
Fisher Insurance Services - Salem, representing Rockingham Insurance, is known for helping individuals and families in the Salem, VA area secure financial protection through tailored life insurance policies. The agency guides clients through coverage needs, including term and whole life options, to build solid foundations for future security. As a local life insurance agent, it focuses on matching policy features with client budgets and planning goals. A specialty service it can add on is final expense insurance to help cover end-of-life costs.
As the seasons change, many Salem families begin to review their financial protection plans. Burgess DeMarco & Flick Insurance offers life insurance agent services to local residents. They help clients understand term, whole, and universal policy options. Their work focuses on matching coverage to individual needs, estate goals, and budget considerations. Virginia regulatory requirements guide every client discussion. The initial step involves a straightforward fact-finding interview to assess current coverage, income, dependents, and long-term objectives.
What Does a a Life Insurance Agent in Salem Cost?
Typical costs for life insurance in Virginia range from $20 to $150 per month for a healthy 35 year old with a 20 year term policy of $500,000. Whole life policies often cost $100 to $300 per month for similar coverage. Final expense policies may cost $30 to $70 per month for $10,000 to $25,000 of coverage. Costs vary by age, health, policy type, and coverage amount. This is general information, not insurance advice.
About life insurance agents in Salem
Life insurance agents in Salem, Virginia help residents find coverage that fits their budget and family needs. Virginia law requires agents to hold a valid license from the State Corporation Commission. Agents can explain how Virginia estate recovery rules may affect policy beneficiaries for those on Medicaid.
Frequently Asked Questions
How do I choose a life insurance agent in Salem Virginia?
Look for an agent licensed by the Virginia State Corporation Commission. Ask about their experience with term, whole, and universal life policies. Check online reviews and ask for referrals from local Salem residents.
What types of life insurance policies are available in Virginia?
Common options include term life, whole life, and universal life insurance. Virginia agents can also offer final expense and group life policies. Each type has different premium levels and coverage periods.
Do I need a medical exam for life insurance in Salem Virginia?
Many policies require a medical exam, but some offer no-exam coverage for lower amounts. Virginia agents can help you find a policy that matches your health status. Exam requirements vary by insurer and policy type.
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