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Directory of life insurance agents in Malta, New York. Verify credentials with the state department of insurance before hiring.
3 agents listed
Updated May 2026
Malta, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 3 life insurance agents in Malta, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Mackenzie Frederick - State Farm Insurance Agent
1 Hemphill Pl Ste 105, Malta, NY 12020
(518) 899-4734
mfrederickinsurance.com
EverGro Insurance Agency
100 Saratoga Village Blvd #36-O, Malta, NY 12020
(518) 400-1088
evergroinsurance.com
Chris Lang, MetLife Auto & Home
2715 US-9 #204, Malta, NY 12020
(518) 306-6047
Life insurance agents in Malta, New York help residents choose policies that protect their families. New York State Insurance Law requires all agents to hold a valid license and follow strict consumer protection rules. Local agents can explain how New York regulations affect policy options and beneficiary designations.
What Does a Life Insurance Agent in Malta Cost?
Life insurance agent services in New York typically do not charge a separate fee because agents earn commissions from the insurance company. For a term life policy, monthly premiums for a healthy 35 year old in Malta might range from 25 to 60 dollars for 500,000 dollars of coverage. Whole life policies often cost more, with premiums starting around 100 to 300 dollars per month. Costs vary based on age, health, policy type, and coverage amount. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What license does a life insurance agent need in New York?
Agents must hold a valid life insurance license issued by the New York State Department of Financial Services. They must complete pre-licensing education and pass a state exam. Continuing education is required every two years to renew the license.
Can a life insurance agent in Malta help with New York estate planning?
Yes, many agents work with estate planning attorneys to coordinate life insurance with wills and trusts. New York law allows life insurance proceeds to pass directly to beneficiaries outside of probate. This can help simplify asset distribution for Malta residents.
What is the free look period for life insurance in New York?
New York law gives policyholders a free look period of at least 10 days after receiving the policy. During this time you can cancel for a full refund. This rule applies to all life insurance policies sold in the state.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.