The top-rated life insurance agent in Richmond, Kentucky is Chris Brown - State Farm Insurance Agent, rated 4.9 stars across 349 reviews. Other highly rated options include Parsons & Howard Insurance Group LLC, State Farm: Jerry Goble, The Richmond Insurance Group. This directory lists 21 life insurance agents serving Richmond.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Chris Brown - State Farm Insurance Agent | 638 University Shopping, Center Dr | (859) 623-0180 |
| 2 | Parsons & Howard Insurance Group LLC | 332 High Land Park Dr | (859) 624-9199 |
| 3 | State Farm: Jerry Goble | 444 Big Hill Ave | (859) 623-0350 |
| 4 | The Richmond Insurance Group | 2130 Lexington Rd suite e | (859) 353-5596 |
| 5 | Insurance Pro | 226 E Main St | (859) 624-1500 |
| 6 | Shelter Insurance - Ashley Kovaleski | 610 Big Hill Ave Ste 6 | (859) 624-0883 |
| 7 | Bray and Oakley Insurance Agency | 2150 Lexington Rd d2 | (859) 623-1933 |
| 8 | Nationwide Insurance: Alan K Hatfield Inc. | 136 Big Hill Ave | (859) 623-2970 |
| 9 | Kentucky Farm Bureau Insurance | 300 High Land Park Dr | (859) 623-5254 |
| 10 | Madison Insurance Agency | 310 Geri Ln | (859) 626-0002 |
Parsons & Howard Insurance Group LLC serves local homeowners, business owners, and property managers in Richmond, Kentucky, by providing life insurance coverage tailored to individual financial needs and future planning. The agency works to help clients evaluate term or permanent policies that offer financial protection for their families and businesses. Assistance with policy selection and beneficiary designations is offered during personalized consultations. The company also serves clients in surrounding communities such as Berea and the broader Madison County area.
State Farm: Jerry Goble provides term life, whole life, and universal life insurance coverage to clients in Richmond, Kentucky. The agency offers ongoing support through policy reviews and adjustments to coverage as financial needs change. Services also include guidance on beneficiary updates and annual policy checkups. The agent serves individuals and families, assisting with single-family homes as well as apartments, retail, and restaurants.
For clients who require a single policy review or a new term life plan, The Richmond Insurance Group in Richmond, KY offers occasional services, while those needing ongoing portfolio adjustments benefit from annual policy reviews. Coverage focuses on term, whole, and universal life insurance options tailored to local financial goals. The practice operates primarily on a scheduled basis, with appointments arranged each year to reassess beneficiaries and adjust death benefits as needed.
Insurance Pro serves families in Richmond, KY, and the surrounding communities of Madison County, handling personal life insurance coverage for its policyholders. It assists clients in selecting policies that help protect their beneficiaries and manage estate needs. The company guides customers through the application and underwriting process for term or whole life plans in the local area. Its typical approach involves assessing an individual’s current obligations before presenting suitable coverage options for their financial situation.
Shelter Insurance - Ashley Kovaleski in Richmond, KY, specializes in offering life insurance policies tailored to individual financial goals, alongside general services such as reviewing coverage needs and processing claims for local families. The agency helps clients secure financial protection for dependents by assessing long-term obligations like mortgages and education costs. During open enrollment periods or after a major life event like a newborn’s arrival, it assists with updating beneficiaries and adjusting policy amounts for changing household circumstances.
As spring brings families together to plan for the year ahead, Bray and Oakley Insurance Agency in Richmond, KY helps local residents assess their financial protection needs. Life insurance agents in this region guide clients in considering coverage that may secure a home or support dependents. This agency offers an initial review of personal circumstances, explaining policy options without pressure. The process typically begins with a confidential inspection of current coverage and future goals.
Nationwide Insurance: Alan K Hatfield Inc. in Richmond, KY assists clients with financial planning and risk management, with a specialty focus on life insurance policies that provide long-term coverage. These products help ensure that dependents are protected from the financial impact of a loss. Their services can be tailored for a variety of commercial sectors, including offices, warehouses, and food service operations.
Kentucky Farm Bureau Insurance in Richmond, KY helps residents with life insurance needs for their homes and families. Commercial coverage is also available for local businesses. The agency serves policyholders throughout the Richmond area. An agent meets with clients to review existing plans or discuss new policies. Between regular visits, the office follows up with clients to address any changes or questions about their coverage. Service continues as customers return for annual reviews or policy adjustments as life circumstances evolve.
Madison Insurance Agency in Richmond, KY, is a life insurance agent known for helping local residents secure financial protection through various policy options. The agency serves clients by assessing individual coverage needs for term and whole life plans. General licensed agents in this region guide families in Richmond toward policies that support long-term financial security and income replacement goals. A specialty service this agency can provide is assisting with final expense insurance to cover end-of-life costs.
What Does a a Life Insurance Agent in Richmond Cost?
The cost of life insurance in Kentucky varies based on age, health, coverage amount, and policy type. A healthy 35-year-old might pay between $25 and $60 per month for a 20-year term policy with $500,000 in coverage. Whole life policies typically cost more, often $100 to $300 per month for similar coverage. Rates can be higher for older applicants or those with health conditions. This is general information and not insurance advice.
About life insurance agents in Richmond
Life insurance agents in Richmond, Kentucky help residents choose policies that provide financial security for their families. Kentucky law requires agents to hold a valid license from the Kentucky Department of Insurance. Local agents understand the specific needs of Madison County families and can guide you through options like term life, whole life, and universal life insurance.
Frequently Asked Questions
What license does a life insurance agent need in Kentucky?
A life insurance agent in Kentucky must hold a valid insurance producer license from the Kentucky Department of Insurance. This requires completing pre-licensing education and passing a state exam. Agents must also complete continuing education every two years to maintain their license.
How do I choose a life insurance agent in Richmond?
Look for an agent with experience in Kentucky insurance laws and a good reputation in Madison County. You can check an agents license status on the Kentucky Department of Insurance website. Ask about policy options, fees, and how they handle claims.
What types of life insurance are available in Kentucky?
Common types include term life, whole life, and universal life insurance. Term life provides coverage for a set period, while whole life offers permanent coverage with a cash value component. Universal life gives flexible premiums and death benefits. Your agent can explain which type fits your situation.
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