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 12 life insurance agents in St James, 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.
James Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 981-1000
jamesjwinter.com
Thomas Maher: Allstate Insurance
462 Moriches Rd, St James, NY 11780
(631) 686-5177
agents.allstate.com
Christian Gregory: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
Jim Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 584-5929
jameslwinter.com
Tim Fleming: Allstate Insurance
419 N Country Rd Ste 1, St James, NY 11780
(631) 208-5266
agents.allstate.com
Dowling Knipfing Klein Insurance
500 Lake Ave, St James, NY 11780
(631) 584-6222
dkkins.com
James Insurance service NY
610 Middle Country Rd, St James, NY 11780
(917) 336-8437
Larry Darcey: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
CSI Insurance Agency
271 Lake Ave, St James, NY 11780
(631) 257-5522
csiinsagency.com
PFA Life Insurance
193 Jefferson Ave, St James, NY 11780
(917) 475-6441
SA Health Plans Inc
670 Middle Country Rd suite b, St James, NY 11780
(631) 769-1584
sahealthplans.com
George F. Diffendale, Principle - New York Life
499 Lake Ave, St James, NY 11780
(631) 670-7693
newyorklife.com
What Does a Life Insurance Agent in St James Cost?
Life insurance costs in St James, New York vary by age, health, and policy type. A healthy 35 year old might pay 20 to 40 dollars per month for a 20 year term policy with 500,000 dollars in coverage. Whole life policies often cost 200 to 500 dollars per month for similar coverage. New York state requires agents to provide a policy illustration showing guaranteed and non-guaranteed values. 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 in St James need?
A life insurance agent in St James must hold a valid New York State life insurance license. This license requires completing pre-licensing education and passing the state exam. Agents must also complete continuing education every two years to renew.
How does New York law affect life insurance policy terms?
New York Insurance Law requires that life insurance policies include a free look period of at least 10 days. This allows you to cancel the policy for a full refund. The state also mandates that policy illustrations include specific assumptions about interest rates and costs.
Can a life insurance agent in St James help with estate planning?
Yes, many life insurance agents in St James can explain how life insurance proceeds are treated under New York estate tax law. New York has an estate tax exemption of over 6 million dollars as of 2024. Life insurance proceeds paid to a named beneficiary are generally not subject to probate.