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Find Final Expense Insurance Agents Near You in St James, NY

Browse final expense insurance agents serving St James, New York. Updated 2026-07-14.

The top-rated final expense insurance agent in St James, New York is James Winter - State Farm Insurance Agent, rated 4.9 stars across 118 reviews. Other highly rated options include Thomas Maher: Allstate Insurance, Christian Gregory: Allstate Insurance, Jim Winter - State Farm Insurance Agent. This directory lists 12 final expense insurance agents serving St James.

Showing 12 final expense insurance agents in St James, NYListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1James Winter - State Farm Insurance Agent312 Lake Ave(631) 981-1000
2Thomas Maher: Allstate Insurance462 Moriches Rd(631) 686-5177
3Christian Gregory: Allstate Insurance872 Middle Country Rd(631) 265-5800
4Jim Winter - State Farm Insurance Agent312 Lake Ave(631) 584-5929
5Tim Fleming: Allstate Insurance419 N Country Rd Ste 1(631) 208-5266
6Larry Darcey: Allstate Insurance872 Middle Country Rd(631) 265-5800
7Dowling Knipfing Klein Insurance500 Lake Ave(631) 584-6222
8Allstate Personal Financial Representative: Nathan Lemberg872 Middle Country Rd(631) 246-3630
9SA Health Plans Inc670 Middle Country Rd suite b(631) 769-1584
10George F. Diffendale, Principle - New York Life499 Lake Ave(631) 670-7693
JW
312 Lake Ave
James Winter - State Farm Insurance Agent
Final Expense Insurance Agent · St James, NY

James Winter - State Farm Insurance Agent serves the St James and broader Suffolk County area of New York, providing final expense insurance policies to local residents. This agent helps families plan for necessary end-of-life costs through straightforward coverage options. Final expense policies cover funeral arrangements and outstanding medical bills. Many clients in this community seek these plans to ensure their loved ones have immediate financial support. The office handles burial insurance and prepaid funeral planning services in St James.

TM
462 Moriches Rd
Thomas Maher: Allstate Insurance
Final Expense Insurance Agent · St James, NY

Thomas Maher: Allstate Insurance provides guidance on final expense insurance options, helping clients in the St James, NY area prepare for end-of-life costs. Service includes policy selection support for burial and other final arrangements. The agency maintains straightforward coverage plans designed to alleviate financial burdens for loved ones. It assists with understanding benefit amounts and premium schedules for these permanent policies. Properties serviced include single-family homes, apartments, retail establishments, and restaurants.

CG
872 Middle Country Rd
Christian Gregory: Allstate Insurance
Final Expense Insurance Agent · St James, NY

Serving seniors and families in St James, NY, Christian Gregory: Allstate Insurance specializes in final expense insurance to help cover end-of-life costs. This agency provides policies designed for burial and funeral expenses, ensuring financial protection for loved ones during a difficult time. The agent works closely with clients to explain coverage options for permanent life insurance that does not require a medical exam in most cases. Christian Gregory: Allstate Insurance also offers its services to residents in neighboring Smithtown and the greater Long Island area.

JW
312 Lake Ave
Jim Winter - State Farm Insurance Agent
Final Expense Insurance Agent · St James, NY

Serving St. James and the surrounding communities of Suffolk County, Jim Winter - State Farm Insurance Agent handles final expense insurance for local families. This agent helps clients arrange coverage for end-of-life costs, including funeral services and outstanding medical bills. The agency focuses on simplifying the insurance selection process for seniors and their loved ones. For a typical job, the agent meets with clients in person to review specific coverage needs and tailor a plan according to individual budgets and preferences.

TF
419 N Country Rd Ste 1
Tim Fleming: Allstate Insurance
Final Expense Insurance Agent · St James, NY

Tim Fleming Allstate Insurance in St James, NY notes that final expense coverage can be paid as a one-time premium or with recurring payments over a set term. These policies provide a straightforward death benefit, which loved ones use for funeral costs, medical bills, or other end-of-life expenses. The agent helps clients compare those payment structures and choose a plan based on their budget. Service is typically offered on a one-time basis during the policy selection and enrollment process, with further assistance available as needed.

LD
872 Middle Country Rd
Larry Darcey: Allstate Insurance
Final Expense Insurance Agent · St James, NY

In the busy St James area, families often consider their long-term plans during quieter spring months. Larry Darcey: Allstate Insurance provides final expense insurance options designed to cover funeral and burial costs. Their process helps individuals arrange a policy that protects loved ones from unexpected financial burdens. Focusing on clear communication, the agent reviews each client's circumstances to determine appropriate coverage amounts. The company begins every engagement with a no-obligation consultation to discuss needs and evaluate current financial readiness.

DK
500 Lake Ave
Dowling Knipfing Klein Insurance
Final Expense Insurance Agent · St James, NY

Dowling Knipfing Klein Insurance specializes in final expense insurance, helping clients secure coverage for end-of-life costs. The St James, NY agency assists families with funeral planning, outstanding medical bills, and other estate expenses. It guides residents through policy options that issue simplified or guaranteed acceptance. The office addresses the financial concerns that emerge during holiday seasons when families gather and reflect on loved ones’ arrangements.

AP
872 Middle Country Rd
Allstate Personal Financial Representative: Nathan Lemberg
Final Expense Insurance Agent · St James, NY

Allstate Personal Financial Representative Nathan Lemberg assists clients with their final expense planning needs. This agency specializes in life insurance policies designed to cover end-of-life costs and associated expenses. Their services help individuals prepare for future financial obligations and provide peace of mind for families. The firm serves the St James, New York area and surrounding communities. Clients include those operating from traditional professional offices, warehouse facilities, and establishments in the food service sector.

SH
670 Middle Country Rd suite b
SA Health Plans Inc
Final Expense Insurance Agent · St James, NY

SA Health Plans Inc serves residents of St James, NY with final expense insurance options designed to cover end-of-life costs. Commercial coverage is also available for local businesses seeking similar protection. The agency focuses on helping clients throughout St James and the surrounding area plan for these expenses through straightforward policies. Follow-ups are conducted after each policy is issued, ensuring customers understand their benefits and can adjust coverage between regular annual reviews.

GF
499 Lake Ave
George F. Diffendale, Principle - New York Life
Final Expense Insurance Agent · St James, NY

George F. Diffendale, Principle - New York Life serves the St James, New York area as a Final Expense Insurance Agent. It helps local families plan for end-of-life costs with focused coverage options. The company works closely with clients to locate appropriate policies that address individual burial and funeral expense needs. This attention to personal financial situations ensures that beneficiaries receive support during a difficult time. Typical arrangements include funeral cost planning and unpaid medical bill management.

CI
271 Lake Ave
CSI Insurance Agency
Final Expense Insurance Agent · St James, NY
(631) 257-5522
csiinsagency.com
PL
193 Jefferson Ave
PFA Life Insurance
Final Expense Insurance Agent · St James, NY
(917) 475-6441

What Does a a Final Expense Insurance Agent in St James Cost?

In New York, final expense insurance premiums typically range from 30 to 150 dollars per month depending on age, health, and coverage amount. A 65-year-old non-smoker may pay around 50 to 70 dollars monthly for a 10000 dollar policy. Costs vary by carrier and individual health status. This is general information, not insurance advice.

About final expense insurance agents in St James

Final expense insurance agents in St James, New York help residents secure coverage for end-of-life costs such as funerals and medical bills. New York law requires insurers to offer a free look period of at least 20 days on final expense policies. Agents can guide you through options that comply with state regulations and fit your budget.

Frequently Asked Questions

What is final expense insurance in St James New York?

Final expense insurance is a small whole life policy designed to cover funeral and burial costs. In New York, these policies typically have face values between 5000 and 35000 dollars. They do not require a medical exam and are available to seniors.

Are there New York laws that affect final expense insurance?

Yes, New York Insurance Law Section 3201 requires all policy forms to be approved by the state. New York also mandates a 20-day free look period and prohibits insurers from denying coverage based on pre-existing conditions after two years.

How do I choose a final expense insurance agent in St James?

Look for an agent licensed in New York with experience in final expense policies. Ask about their knowledge of New York-specific regulations and whether they represent multiple insurance carriers. Verify their license through the New York State Department of Financial Services.

Final Expense Insurance Agents in Other New York Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each final expense insurance agent's credentials and current standing with your state Department of Insurance.