The top-rated life insurance agent in Grand Island, New York is Bob Piatek - State Farm Insurance Agent, rated 4.9 stars across 276 reviews. Other highly rated options include Ramcy Rizek Independent Insurance Agent, Phillip Mastantuono: Allstate Insurance, First Class Insurance Company. This directory lists 10 life insurance agents serving Grand Island.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Bob Piatek - State Farm Insurance Agent | 1837 Whitehaven Rd | (716) 773-2300 |
| 2 | Ramcy Rizek Independent Insurance Agent | 57 Carl Rd | (716) 245-9221 |
| 3 | Phillip Mastantuono: Allstate Insurance | 1979 Grand Island Blvd | (716) 775-0100 |
| 4 | First Class Insurance Company | 2413 Grand Island Blvd | (716) 217-2883 |
| 5 | Dean Boucounis - Mutual of Omaha Advisor | 96 Country Club Ln | (315) 457-1359 |
| 6 | Eric Berger Insurance | 2119 Grand Island Blvd | (716) 773-1500 |
| 7 | Boss Agency, Inc. | 1875 Grand Island Blvd | (716) 773-3051 |
| 8 | Lytle Associates Inc | 101 Lang Blvd # 2 | (716) 773-6626 |
| 9 | Thoughtful Insurance (Grand Island) | 2053 Baseline Rd | (716) 431-5292 |
| 10 | LTC Financial Partners | 2015 Harvey Rd | (716) 404-0088 |
Bob Piatek - State Farm Insurance Agent serves the Grand Island, New York area. This life insurance agent provides coverage options designed to protect families and individuals financially. Services focus on helping clients understand policy choices that address long-term security needs. The office assists with applications and benefit explanations for various plans available locally. Specific services handled in this area include term life insurance policies and whole life insurance options.
At Ramcy Rizek Independent Insurance Agent in Grand Island, NY, the primary service is offering life insurance policies tailored to individual client needs. The agency provides guidance on plan selection, policy applications, and periodic policy reviews to adjust coverage as life circumstances change. Ongoing client assistance includes helping beneficiaries with claims when needed. The agency serves a range of clients, including those owning single-family homes, apartments, retail spaces, and restaurants.
Phillip Mastantuono: Allstate Insurance serves homeowners, businesses, and property managers seeking life insurance coverage in Grand Island, New York. The agency helps clients select policies that provide financial protection for their families and business interests. Agents evaluate individual needs to recommend appropriate term or permanent life plans. They also assist with policy adjustments as circumstances change. The agency provides local support and claims assistance for clients throughout Grand Island. Its services extend to residents and business owners in neighboring Niagara Falls as well.
First Class Insurance Company serves clients in Grand Island, New York, and the surrounding Niagara County communities, handling life insurance agent needs for individuals and families. The company works with clients to understand their long-term financial protection goals and match them with suitable policy options. By focusing on the specific coverage requirements of each local household, the office generally addresses each case through a personalized consultation that reviews current needs before presenting available plans.
As spring arrives on Grand Island, many residents review their financial protections for the coming year. Dean Boucounis, serving the area as a Mutual of Omaha Advisor, discusses life insurance options tailored to local needs. Whether clients seek income replacement or final expense coverage, the conversation focuses on understanding individual goals and current health considerations. A typical first step involves a no-obligation review of existing policies to clarify coverage gaps or changes in family circumstances before an initial consultation is scheduled for a detailed assessment.
When planning for financial security, families choose between a one-time policy for immediate protection or recurring coverage that builds lasting benefits. Eric Berger Insurance in Grand Island, NY, assists clients with life insurance options tailored to personal circumstances. The agency helps individuals assess term or permanent coverage needs, ensuring dependents receive support after a loss. Service appointments can be arranged on a one-time basis for a single policy purchase or scheduled as recurring reviews when household or financial situations change.
Boss Agency, Inc. specializes in offering term and whole life insurance policies tailored to individual needs. It provides comprehensive guidance on financial protection strategies for families and businesses in Grand Island, NY. The agency helps clients navigate the selection of suitable coverage amounts and policy types during annual enrollment periods. It also assists local residents facing significant life changes, such as the start of a new business or the arrival of a newborn, by adjusting their existing life insurance plans to ensure continued adequate protection.
Lytle Associates Inc assists clients in Grand Island, NY, with financial protection strategies. The company specializes in life insurance solutions, helping individuals plan for long-term security and unexpected needs. Its focus includes tailoring coverage to fit various personal circumstances and future goals. The agency offers its services to residential clients as well as a range of commercial sectors, including local offices, warehouses, and food service establishments.
Serving residents in Grand Island, NY, Thoughtful Insurance provides guidance on life insurance policies tailored for individuals and families. Commercial coverage options are also available for local business owners seeking to protect their operations. The agency serves clients throughout Grand Island and nearby communities, assisting them in reviewing coverage needs during periodic visits. After an initial policy is in place, the office follows up to discuss any life changes that may require adjustments before the next scheduled service appointment.
LTC Financial Partners in Grand Island, New York is known for providing life insurance coverage to local residents. Its service range includes term, whole, and universal life policies designed to meet various financial protection needs. The company assists clients with planning funeral expenses or income replacement for families. For those concerned about long-term care costs, LTC Financial Partners offers life insurance policies with a built-in long-term care benefit rider as a specialty service.
What Does a a Life Insurance Agent in Grand Island Cost?
Life insurance costs in New York vary based on age, health, coverage amount, and policy type. For a healthy 35-year-old in Grand Island, a 20-year term life policy of 500,000 dollars may cost between 25 and 50 dollars per month. Whole life policies are more expensive, often starting at 100 dollars per month for similar coverage. This is general information, not insurance advice.
About life insurance agents in Grand Island
Life insurance agents in Grand Island, New York help residents choose policies that comply with New York state regulations. New York requires a free look period of at least 10 days for life insurance policies, allowing you to cancel for a full refund. Local agents can guide you through term life, whole life, and universal life options tailored to your needs.
Frequently Asked Questions
What licenses do life insurance agents need in New York?
Life insurance agents in New York must hold a valid insurance license from the New York State Department of Financial Services. They must complete pre-licensing education and pass a state exam. Agents must also complete continuing education every two years to maintain their license.
Is a medical exam required for life insurance in Grand Island?
Many life insurance policies in New York require a medical exam, but some policies offer no-exam coverage with higher premiums. The exam typically includes blood work and a health questionnaire. New York law allows insurers to use medical information under strict privacy rules.
Can I change my life insurance policy after buying it in New York?
Yes, New York gives you a free look period of at least 10 days after receiving your policy to cancel for a full refund. After that, you may be able to change coverage through a policy conversion or rider, but changes may require underwriting approval.
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