The top-rated life insurance agent in Clarence, New York is Michael Messuro - State Farm Insurance Agent, rated 5.0 stars across 142 reviews. Other highly rated options include Emerling Floss Murphy & Associates LLC, Michael Forster Insurance Advisor, Frank J Giumpa II: Allstate Insurance. This directory lists 10 life insurance agents serving Clarence.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Michael Messuro - State Farm Insurance Agent | 9125 Main St | (716) 759-1570 |
| 2 | Emerling Floss Murphy & Associates LLC | 9092 Main St | (716) 631-0190 |
| 3 | Michael Forster Insurance Advisor | 10785 Howe Rd | (716) 316-3874 |
| 4 | Frank J Giumpa II: Allstate Insurance | 10060 Main St | (716) 759-1600 |
| 5 | Farmers Insurance - Roger Schapiro | 10654 Main St | (716) 458-3105 |
| 6 | Braun-Joyner Agency Inc | 10885 Main St | (716) 403-3306 |
| 7 | Brady Insurance Agency | 9132 Main St | (716) 759-2138 |
| 8 | Farm Family Life Insurance Co | 10225 Main Rd | (716) 204-9093 |
| 9 | NICL Insurance Services, LLC | 8940 Main St | (516) 212-7827 |
| 10 | Your Local Advice: Allstate Insurance | 10060 Main St | (716) 226-0726 |
Michael Messuro - State Farm Insurance Agent serves the Clarence, New York area and the surrounding Erie County region. The agency provides life insurance policies designed to help local residents and families plan for financial security. It assists clients in understanding coverage options that can protect loved ones in the event of an unexpected death. The office handles term life insurance for temporary coverage needs and whole life insurance for long-term financial planning.
Emerling Floss Murphy & Associates LLC provides a full range of life insurance services for individuals and families in the Clarence, NY area. It helps clients evaluate and select policies to address long-term financial protection needs. The agency also offers ongoing policy reviews and adjustments to ensure coverage keeps pace with changing life circumstances such as marriage, parenthood, or retirement planning. Its services are available for owners of properties including single-family homes, apartments, retail spaces, and restaurants.
Serving Clarence, NY, and the surrounding communities, Michael Forster Insurance Advisor handles life insurance policies designed to provide financial protection for families and businesses. This includes term life, whole life, and other coverage options to help clients meet specific income replacement or estate planning needs. The agency takes a consultative approach, carefully reviewing each client’s financial situation and goals to recommend suitable coverage levels and policy types. A thorough needs analysis is typically completed before any specific plan is presented.
Homeowners and businesses in Clarence, NY seek Frank J Giumpa II: Allstate Insurance for life insurance agent services. The agency helps clients assess their long-term financial security needs through personalized policy reviews. It offers guidance on term life and whole life options to protect families and business interests. The firm also serves individuals across the greater Buffalo metro area, including nearby communities such as Williamsville and Amherst.
Farmers Insurance - Roger Schapiro in Clarence, NY offers life insurance as a service that can differ in its delivery between a single policy purchase, which provides coverage based on a one-time payment, and ongoing term or whole life plans requiring recurring premiums. Life insurance agents in this area typically help clients evaluate their financial future needs, such as income replacement or debt protection. Service runs on an as-needed basis for new policy setup.
As winter storms approach, Clarence residents often want to review their life insurance protection against unexpected hardships. Braun-Joyner Agency Inc assists local clients by assessing individual coverage needs and explaining policy options suited to personal circumstances. The company helps navigate the process of selecting sufficient benefits for families and long-term financial security. For those considering a new policy or simply evaluating their current plan, the initial assessment begins with a straightforward, no-pressure consultation to review personal goals and existing coverage.
Brady Insurance Agency specializes in helping clients select suitable life insurance policies, while also offering general guidance on navigating various coverage options. The agency serves Clarence, NY, and assists individuals and families with protecting their financial futures through term and whole life products. It routinely conducts policy reviews to align coverage with changing circumstances. As tax season approaches, many locals rely on this firm to evaluate how life insurance can complement their estate plans and address potential inheritance concerns for beneficiaries.
Farm Family Life Insurance Co provides life insurance coverage to individuals and families in the Clarence, NY area. Its services include helping clients plan for income replacement, final expenses, and future financial needs. As a life insurance agent, the company can assist with policy selection and ongoing coverage reviews. It serves a variety of commercial sectors, including offices, warehouses, and food service operations.
NICL Insurance Services, LLC, in Clarence, NY, serves local residents seeking life insurance protection for their families. The agency also works with businesses in the area, offering commercial coverage options tailored to various professional needs. Clients throughout Clarence and the surrounding communities benefit from guidance on policy selection and risk assessment. After a policy is in place, the agency maintains contact with policyholders, providing follow-up service and reviewing coverage adjustments during regular visits to ensure continued suitability.
Your Local Advice: Allstate Insurance is a life insurance agent office located in Clarence, New York, recognized for providing insurance solutions to local families and individuals. The agency offers a standard range of life insurance policies, including term and whole life coverage, designed to address long-term financial protection needs. Its services include policy selection guidance and claims support for clients in the Greater Buffalo area. A specialty service this office provides is access to Allstate’s universal life insurance, which offers flexible premium options and a cash value accumulation component.
What Does a a Life Insurance Agent in Clarence Cost?
Life insurance agent services in New York typically do not charge a separate fee because agents earn commissions from the insurance company. Policy costs vary widely based on age, health, and coverage amount. For example, a healthy 35-year-old might pay $20 to $50 per month for a 20-year term policy of $500,000. Older applicants or those with health issues may pay more. This is general information, not insurance advice.
About life insurance agents in Clarence
Life insurance agents in Clarence, New York help residents find coverage that fits their needs and budget. New York State requires agents to hold a valid license and follow strict regulations under the New York Insurance Law. Local agents can assist with term life, whole life, and universal life policies tailored to your situation.
Frequently Asked Questions
What license does a life insurance agent need in New York?
Agents must hold a New York State life insurance license issued by the Department of Financial Services. They must complete pre-licensing education and pass a state exam.
How do I choose a life insurance agent in Clarence?
Look for an agent with experience in New York insurance laws and a good reputation in the community. Ask about their familiarity with local providers and policy options.
What is the free look period for life insurance in New York?
New York law gives you a 10-day free look period after purchasing a policy. You can cancel for a full refund if you change your mind within that time.
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