The top-rated final expense insurance agent in Bay Shore, New York is Sound Harbor Insurance, rated 5.0 stars across 343 reviews. Other highly rated options include Anthony Machiano: Allstate Insurance, Michael S. Stagnitta - State Farm Insurance Agent, Bill Dunn - State Farm Insurance Agent. This directory lists 17 final expense insurance agents serving Bay Shore.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sound Harbor Insurance | 91 E Main St Suite 3 | (631) 517-9211 |
| 2 | Anthony Machiano: Allstate Insurance | 67 E Main St | (631) 440-9226 |
| 3 | Michael S. Stagnitta - State Farm Insurance Agent | 87 Park Ave | (631) 666-8350 |
| 4 | Bill Dunn - State Farm Insurance Agent | 1656 5th Ave A | (631) 478-6669 |
| 5 | Douglas Cortez - State Farm Insurance Agent | 1805 5th Ave Ste 14 | (631) 456-4603 |
| 6 | ACME Insurance Brokerage of Bay Shore INC. | 1716 Sunrise Hwy | (631) 665-6464 |
| 7 | Oxford Millin Insurance Agency Ltd | 25 4th Ave | (631) 434-6666 |
| 8 | C Walsh Agency | 28 W Main St | (631) 251-6050 |
| 9 | Jay Tee Insurance | 1655 5th Ave A | (631) 231-3200 |
| 10 | AllSafe Insurance Agency | 1175 Sunrise Hwy | (631) 517-1173 |
Sound Harbor Insurance serves clients throughout Suffolk County, New York, from its location in Bay Shore. The company specializes in providing final expense insurance, which helps cover funeral costs and outstanding debts after a policyholder passes away. These policies offer guaranteed acceptance for qualifying applicants and are designed to ease the financial burden on surviving family members during a difficult time. Sound Harbor Insurance assists clients with comparing burial insurance policies and arranging affordable premium plans.
Anthony Machiano: Allstate Insurance offers final expense insurance services for individuals in Bay Shore, NY, providing coverage to help manage end-of-life costs. It assists clients in planning for funeral expenses and other related financial obligations through tailored policy options. The company supports its policyholders with service and maintenance plans that include annual policy reviews and ongoing customer support for claims processing. It serves a variety of clients residing in single-family homes, apartments, retail spaces, and restaurants throughout the local area.
Serving Bay Shore, NY, Michael S. Stagnitta - State Farm Insurance Agent helps families with final expense insurance planning. This agent’s practice focuses on providing coverage options for funeral costs, medical bills, and other end-of-life expenses, ensuring that loved ones are not left with a financial burden. Consultations are available to explain policy benefits and to tailor a plan that fits individual needs. The agency also serves clients in the surrounding communities of Islip and the greater Suffolk County area.
Serving Bay Shore and the surrounding communities on Long Island, Bill Dunn - State Farm Insurance Agent handles final expense insurance for local families. This type of coverage is designed to manage the costs of a funeral, burial, and other end-of-life expenses after a loved one passes away. The agency assists clients in understanding their policy options and how they can provide financial protection for their beneficiaries. A typical job begins with a review of the client's needs to determine an appropriate benefit amount and premium.
Douglas Cortez - State Farm Insurance Agent in Bay Shore, NY offers final expense coverage with a focus on both one-time funeral planning services and recurring policy management for ongoing peace of mind. Such insurance assists families in covering end-of-life costs, ensuring financial obligations do not fall on loved ones during a difficult time. Service runs on an as-needed basis, with flexible consultations available for policy reviews or new enrollments at the client’s request.
ACME Insurance Brokerage of Bay Shore INC. specializes in final expense insurance, helping clients arrange coverage for funeral and burial costs. The agency serves residents of Bay Shore, New York, and works generally with individuals seeking manageable life insurance policies to protect their families from unforeseen end-of-life financial burdens. Each plan is explained clearly, focusing on affordable options that fit within a household budget. During colder months, the company reminds local seniors to review their current coverage for any changes in health or household needs that may affect their policy.
As many Long Island families consider their end-of-life arrangements after the winter holidays, Oxford Millin Insurance Agency Ltd in Bay Shore, NY helps clients navigate final expense insurance. This type of coverage ensures that funeral costs and outstanding debts do not burden surviving relatives during a difficult time. The agency focuses on policies designed for seniors who may not have existing life insurance. An initial consultation begins with a thorough review of each client’s budget and specific coverage needs, followed by an inspection of relevant health information and personal financial goals.
C Walsh Agency in Bay Shore, NY, assists families with end-of-life financial planning and pre-need insurance arrangements. Its work focuses on final expense insurance policies that cover funeral costs and outstanding debts. These policies help relieve survivors from unexpected financial burdens. The agency also provides options for immediate and deferred coverage plans. It serves local commercial sectors including offices, warehouses, and food service establishments in the Bay Shore area.
Jay Tee Insurance serves residents of Bay Shore, New York, with final expense insurance coverage. They assist families with pre-planning for end-of-life costs. Commercial coverage is also available for local business owners across the region. Their service area extends to surrounding communities in Suffolk County. Agents explain policy options clearly, helping clients choose appropriate benefit levels. After an initial policy is set, the company follows up regularly. They provide annual reviews and handle any beneficiary changes between routine visits to keep plans current.
AllSafe Insurance Agency in Bay Shore, NY, is known for helping families arrange final expense coverage in their local community. The agency serves clients seeking insurance to cover funeral costs and other end-of-life expenses, offering policies designed for straightforward financial planning. In this region, final expense insurance often assists with relieving relatives of immediate payment burdens. As a specialty service, AllSafe Insurance Agency can include options for guaranteed-issue policies that require no medical exam for applicants within certain age ranges.
What Does a a Final Expense Insurance Agent in Bay Shore Cost?
Typical final expense insurance costs in New York range from $30 to $150 per month for coverage between $5,000 and $25,000. A 70-year-old in good health might pay about $70 monthly for a $10,000 policy. Premiums are fixed and do not increase with age. This is general information and not insurance advice. Always consult a licensed agent for personalized quotes.
About final expense insurance agents in Bay Shore
Final expense insurance agents in Bay Shore, New York help residents secure coverage for funeral costs and other end-of-life expenses. New York law requires agents to hold a valid state license and follow strict disclosure rules under Insurance Law Section 3201. Local agents understand the average funeral costs in Suffolk County, which can exceed $10,000, and can guide you to appropriate policies.
Frequently Asked Questions
What is a final expense insurance agent in Bay Shore?
A final expense insurance agent in Bay Shore is a licensed professional who sells small whole life or burial insurance policies. These policies are designed to cover funeral costs and other final bills. In New York, agents must complete pre-licensing education and pass a state exam.
How much does final expense insurance cost in New York?
Monthly premiums for final expense insurance in New York typically range from $30 to $100, depending on age and health. A 65-year-old non-smoker might pay around $50 per month for $10,000 in coverage. Costs vary by carrier and your specific medical history.
Do I need a medical exam for final expense insurance in New York?
Most final expense policies in New York do not require a medical exam. However, insurers may ask health questions on the application. New York law allows insurers to deny coverage based on answers, but they cannot require an exam for policies under a certain face value.
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