The top-rated life insurance agent in Amherst, New York is Elmwood Agency, rated 5.0 stars across 395 reviews. Other highly rated options include Jacob Czaja - State Farm Insurance Agent, Butterson Agency, Inc, Brian Haseltine: Allstate Insurance. This directory lists 13 life insurance agents serving Amherst.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Elmwood Agency | 90 Bryant Woods S #100 | (716) 206-3706 |
| 2 | Jacob Czaja - State Farm Insurance Agent | 3555 Sheridan Dr Ste 3557 | (716) 688-5700 |
| 3 | Butterson Agency, Inc | 586 N French Rd # 4 | (716) 636-8815 |
| 4 | Brian Haseltine: Allstate Insurance | 2066 Eggert Rd Ste 2 | (716) 837-3000 |
| 5 | Donald L. Houck Agency, Inc. | 1940 Eggert Rd | (716) 835-2525 |
| 6 | Gallagher Insurance, Risk Management & Consulting | 90A John Muir Dr | (716) 688-5600 |
| 7 | Arrow Insurance LLC | 3622-3636 Sheridan Dr | (716) 351-4481 |
| 8 | Lifecare Insurance NY | 4330 Maple Rd | (716) 217-5142 |
| 9 | All star Insurance Co. | 2066 Eggert Rd Ste 2 | (716) 567-8256 |
| 10 | Gimeli Hanna Insurance Agency | 215 Kings Hwy | (716) 998-8479 |
Elmwood Agency serves the Erie County area from its base in Amherst, New York, as a local life insurance agent. It provides families and individuals with financial protection solutions designed to secure their future. An agent meets with clients to assess their long-term needs and recommend suitable policies. The agency handles term life coverage, which offers protection for a specific period, as well as permanent whole life policies that build cash value over time.
Jacob Czaja - State Farm Insurance Agent in Amherst, NY, provides a range of life insurance services, including policy consultations and coverage adjustments for individual clients. The agency offers ongoing support for policy management, such as beneficiary updates and premium reviews, to ensure plans align with changing needs. Addressing life insurance needs involves evaluating options like term and whole life policies for financial protection. This agent serves properties including single-family homes, apartments, retail spaces, and restaurants, offering tailored coverage solutions for those assets.
Butterson Agency, Inc in Amherst, NY serves homeowners, families, and local business owners seeking financial protection through life insurance policies. The agency helps clients assess their coverage needs and select suitable term or permanent life plans to safeguard their beneficiaries. It also provides guidance on policy options that can address estate planning or income replacement goals. In addition to serving the Amherst community, the agency covers clients throughout the surrounding Buffalo metro region and neighboring areas such as Williamsville.
Serving Amherst, NY, and the surrounding communities of Erie County, Brian Haseltine: Allstate Insurance specializes in providing life insurance agent services. The agency helps local residents navigate term, whole, and universal life policies to address financial protection needs. It focuses on matching each client with appropriate coverage based on their individual circumstances and long-term goals. To handle a typical job, the agency begins by reviewing a client’s current coverage gaps and budget, then presents tailored options from its product lineup for clear comparison.
At Donald L. Houck Agency, Inc. in Amherst, NY, clients choose between one-time policy reviews for immediate coverage needs and ongoing service to adjust plans as life changes. Life insurance provides financial protection for beneficiaries, with options that help replace lost income or cover final expenses. The agency focuses on explaining term and permanent policies so individuals can make informed decisions. General service for life insurance clients in the area typically runs on a scheduled basis, with periodic check-ins to review coverage against current circumstances.
Gallagher Insurance, Risk Management & Consulting offers life insurance agent services in Amherst, NY, specializing in term and whole life policy options. The agency provides its general insurance service work by helping individuals and families assess their coverage needs. This process includes determining appropriate benefit amounts and policy timelines. Gallagher’s agents also address client concerns about navigating policy claims and beneficiary updates. During the winter holiday season, the agency specifically assists Amherst residents in reviewing and updating beneficiary designations after major family gatherings or life changes.
Arrow Insurance LLC assists individuals and families in Amherst, NY, by evaluating their coverage needs and identifying suitable life insurance policies. The agency focuses on providing term, whole, and universal life options that align with clients’ long-term financial goals and protection requirements. It also addresses supplemental coverage considerations such as accidental death benefits or critical illness riders. Commercial sectors the firm can serve include professional offices, warehouses, and food service establishments where succession planning or key employee protection is needed.
Lifecare Insurance NY serves residents of Amherst with personalized life insurance plans designed to protect families and individuals. The agency also provides commercial coverage options for local businesses, ensuring comprehensive risk management across the Amherst area. Their service area includes all surrounding communities, allowing convenient access for clients seeking financial security. Between these regular client visits, the agency follows up to adjust coverage as life circumstances change, helping maintain appropriate protection for each policyholder.
All Star Insurance Co. in Amherst, NY, is known for guiding clients through life insurance options in the local area. Its service range includes helping individuals and families choose appropriate term or permanent life insurance policies based on their personal financial goals and coverage needs. The agency partners with multiple carriers to find suitable plans that offer income replacement and final expense protection. As a specialty service, it also provides riders for accelerated death benefits on qualifying policies.
What Does a a Life Insurance Agent in Amherst Cost?
Life insurance agent fees in New York are typically paid through commissions built into the policy premium. For a term life policy, monthly premiums can range from 20 to 100 dollars for a healthy 35-year-old. Whole life policies often cost 200 to 500 dollars per month or more. Costs vary by age, health, coverage amount, and policy type. This is general information, not insurance advice.
About life insurance agents in Amherst
Life insurance agents in Amherst, New York help residents choose policies that protect their families and meet financial goals. New York State requires all life insurance agents to hold a valid license from the Department of Financial Services. Agents in Amherst can explain how New York law affects policy benefits and estate planning.
Frequently Asked Questions
What license does a life insurance agent in Amherst need?
In New York, a life insurance agent must hold a license issued by the New York State Department of Financial Services. This license requires completing pre-licensing education and passing a state exam.
How long does it take to get a life insurance policy in Amherst?
The process can take from a few days to several weeks depending on the policy type and your health. New York law allows a free-look period of 10 days after you receive the policy to cancel for a full refund.
Are there special rules for life insurance in New York?
Yes. New York has strict regulations on policy disclosures and agent conduct. For example, agents must provide a policy summary and buyers guide before you purchase. The state also limits how much an agent can charge in fees.
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