The top-rated final expense insurance agent in Ithaca, New York is Zach Clark - State Farm Insurance Agent, rated 5.0 stars across 382 reviews. Other highly rated options include Nick Romo - State Farm Insurance Agent, Adam Megivern - State Farm Insurance Agent, Bailey Place Insurance. This directory lists 20 final expense insurance agents serving Ithaca.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Zach Clark - State Farm Insurance Agent | 832 Hanshaw Rd | (607) 257-8900 |
| 2 | Nick Romo - State Farm Insurance Agent | 309 N Tioga St | (607) 256-2886 |
| 3 | Adam Megivern - State Farm Insurance Agent | 2359 N Triphammer Rd Ste 1B | (607) 216-9045 |
| 4 | Bailey Place Insurance | 2428 N Triphammer Rd | (607) 319-0094 |
| 5 | Freeway Insurance | 722 S Meadow St | (607) 319-7016 |
| 6 | True Insurance | 124 Seneca Way | (607) 273-7511 |
| 7 | Kris Yelverton - State Farm Insurance Agent | 401 Elmira Rd Suite 6 | (607) 229-1111 |
| 8 | Moscato & Associates Inc | 950 Danby Rd | (607) 216-1450 |
| 9 | Andrews Agency Insurance | 804 W State St | (607) 273-7551 |
| 10 | Warren Insurance Agency | 223 Elmira Rd | (607) 277-0267 |
Zach Clark - State Farm Insurance Agent in Ithaca, NY offers final expense insurance services designed to help individuals cover end-of-life costs, including burial and funeral expenses. This office assists clients with policy selection and ongoing plan maintenance, ensuring coverage remains appropriate as needs change. Serving the surrounding area, the agent handles insurance needs for single-family homes, apartments, retail, and restaurants.
Nick Romo - State Farm Insurance Agent serves the greater Ithaca, New York area, specializing in final expense insurance. This type of coverage helps ensure end-of-life costs are managed for loved ones. The office works with local clients to provide financial protection through simple, straightforward life insurance policies. Generally, these plans offer fixed benefits that remain unchanged over time. Nick Romo - State Farm Insurance Agent handles setting up term life and whole life policies to cover final expenses and burial costs.
Adam Megivern - State Farm Insurance Agent in Ithaca, NY serves individuals and families seeking final expense insurance to cover funeral costs and outstanding medical bills. Guided by general industry standards for such policies, the agency helps customers select plans that provide modest death benefit coverage. Clients can discuss beneficiary designations and payment schedule options during appointments. The agency’s service area extends into the neighboring community of Cayuga Heights and nearby Tompkins County locations.
Bailey Place Insurance serves families in Ithaca, NY, and the surrounding communities of Tompkins County. It specializes in final expense insurance, which helps cover burial costs and other end-of-life expenses. The agency works with local clients to explain policy options for managing these anticipated needs. For a typical job, it takes the time to review a client’s situation and recommend a plan that aligns with their budget and final wishes.
Freeway Insurance serves Ithaca, New York, and the surrounding communities, specializing in final expense insurance policies. It handles coverage designed to help individuals manage end-of-life costs, including funeral expenses and other outstanding final bills. The approach typically begins with a consultation to assess a client’s specific needs, life stage, and budget, followed by presenting appropriate plan options from reliable carriers. This process ensures each recommendation is tailored and clearly explained without pressure, allowing clients to make a quietly confident decision.
True Insurance in Ithaca, NY assists families by differentiating between a single premium final expense policy, which requires one payment, and a recurring premium plan that allows for monthly, quarterly, or annual payments. The coverage is designed to cover end-of-life costs like burial, cremation, and outstanding medical bills, providing a predetermined benefit to named beneficiaries. Services are available on a one-time consultation basis for plan setup, with scheduled follow-ups available for policy adjustments or as-needed assistance for claim filing.
Kris Yelverton - State Farm Insurance Agent in Ithaca, NY offers final expense insurance policies designed to help cover end-of-life costs. This local agency also provides general insurance services, working with clients to consider their long-term financial protection needs. Their focus on final expense planning assists families in managing funeral expenses, outstanding medical bills, and other final obligations. Many residents seek guidance during life transitions, such as when a spouse passes away or when adjusting retirement plans for their own peace of mind.
As winter approaches in Ithaca, many families begin reviewing their end-of-life plans to ensure financial security for remaining loved ones. Moscato & Associates Inc offers final expense insurance coverage tailored to cover burial costs and outstanding medical bills without burdening survivors. These policies focus on providing a straightforward benefit that relieves stress during a difficult time. The initial step involves a no-obligation inspection of the client's current coverage and specific needs to recommend an appropriate plan.
Andrews Agency Insurance assists individuals and families in Ithaca, New York, with their life insurance planning. The agency specializes in final expense insurance, offering policies designed to cover funeral costs and other end-of-life obligations. This type of coverage ensures that loved ones are not burdened with these expenses during a difficult time. Andrews Agency Insurance can serve clients in various commercial sectors, including local offices, warehouses, and food service businesses.
Warren Insurance Agency serves residents of Ithaca, New York with final expense insurance plans designed to cover end-of-life costs. This local agency also offers commercial coverage options for small businesses throughout the Ithaca area. Agents work closely with clients to understand their specific needs and budget constraints, ensuring the chosen policy provides appropriate financial protection for loved ones. Regular follow-up communication between visits allows the agency to adjust coverage as personal circumstances change, maintaining reliable service for policyholders and their families.
What Does a a Final Expense Insurance Agent in Ithaca Cost?
Final expense insurance costs in New York vary by age health and coverage amount. A 65 year old non smoker might pay between 50 and 100 dollars per month for a 10000 dollar policy. Smokers and older applicants may pay higher premiums. New York law requires insurers to use standard rates approved by the state. This is general information and not insurance advice.
About final expense insurance agents in Ithaca
Final expense insurance agents in Ithaca New York help residents plan for end of life costs such as funeral services and burial expenses. New York law requires funeral homes to provide a general price list and allows consumers to purchase preneed funeral contracts funded by life insurance. Local agents can explain how New York insurance regulations protect policyholders and guide you through the application process.
Frequently Asked Questions
What is final expense insurance in Ithaca New York?
Final expense insurance is a whole life policy with a small face value usually between 5000 and 25000 dollars. In New York it is regulated by the Department of Financial Services and can be used to pay for funeral costs medical bills or other final expenses.
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. Instead insurers use simplified underwriting with health questions on the application. Some policies may have graded benefits for pre existing conditions.
How does New York law affect final expense insurance payouts?
New York has a two year contestability period during which an insurer can investigate a claim for misrepresentation. After two years the policy is generally incontestable. Beneficiaries must file a claim with the insurer and provide a death certificate.
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