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Find Life Insurance Agents Near You in Charleston, WV

Browse life insurance agents serving Charleston, West Virginia. Updated 2026-07-14.

The top-rated life insurance agent in Charleston, West Virginia is Capital Insurance Group LLC, rated 4.8 stars across 320 reviews. Other highly rated options include Smith Family Insurance LLC, AAA Charleston, Ellis Insurance Agency. This directory lists 21 life insurance agents serving Charleston.

Showing 21 life insurance agents in Charleston, WVListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Capital Insurance Group LLC607 Pennsylvania Ave(304) 606-2969
2Smith Family Insurance LLC447 Call Rd Ste 105(304) 756-8999
3AAA Charleston1000 Parkway Boulevard Unit A(304) 925-6681
4Ellis Insurance Agency5949 Sissonville Dr(304) 984-3004
5David Smyer - State Farm Insurance Agent1532 Kanawha Blvd W(304) 342-2111
6Elizabeth Carmichael - State Farm Insurance Agent1198 Fledderjohn Rd(304) 344-3554
7Central Insurance Advisors, LLC1210 Kanawha Blvd E(304) 410-8169
8Lisa Godwin - State Farm Insurance Agent6434 Sissonville Dr(304) 984-0000
9Mountain State Insurance Agency1206 Kanawha Blvd E(304) 720-2000
10White Insurance & Associates3512 Staunton Ave SE(304) 926-6662
CI
607 Pennsylvania Ave
Capital Insurance Group LLC
Life Insurance Agent · Charleston, WV

Capital Insurance Group LLC serves the Charleston, West Virginia metro area, offering life insurance agent services to local individuals and families. The agency helps clients evaluate their financial protection needs through various coverage options. Policies are typically designed to provide income replacement and final expense planning. Estate preservation strategies are also addressed for long-term security. The company handles term life and whole life insurance policies in this region.

SF
447 Call Rd Ste 105
Smith Family Insurance LLC
Life Insurance Agent · Charleston, WV

Smith Family Insurance LLC serves homeowners, renters, and small-business owners in Charleston, WV, by offering life insurance policies that provide financial protection for beneficiaries. The agency helps clients assess their coverage needs, guiding them through term and whole life options to secure their family’s future. Smith Family Insurance also extends its services to clients in the South Charleston area, assisting residents there with personalized life insurance plans.

AC
1000 Parkway Boulevard Unit A
AAA Charleston
Life Insurance Agent · Charleston, WV

AAA Charleston provides life insurance options suited to individual and family needs, helping clients protect their financial future against life’s uncertainties. The agency assists with policy selection, reviewing existing coverage, and adjusting plans as circumstances change. It serves residents across Charleston and surrounding areas, offering guidance on term, whole, and universal policies. The agency supports single-family homes and their owners, ensuring clear policy explanations and routine check-ins. It also works with renters, retail business proprietors, and restaurant owners seeking key-person or buy-sell life insurance.

EI
5949 Sissonville Dr
Ellis Insurance Agency
Life Insurance Agent · Charleston, WV

Ellis Insurance Agency serves clients throughout Charleston, West Virginia, and the surrounding Kanawha Valley communities. The agency focuses on helping individuals and families assess their future financial protection needs. It handles a full range of life insurance policies, from term to permanent coverage options. When working with a client, the agency first reviews current income, debts, and long-term goals to create a personalized coverage plan that aligns with those specific objectives and budget.

DS
1532 Kanawha Blvd W
David Smyer - State Farm Insurance Agent
Life Insurance Agent · Charleston, WV

Some life insurance services involve a single, one-time policy purchase, while others offer renewable term options that allow for ongoing coverage adjustments. David Smyer - State Farm Insurance Agent serves individuals in Charleston, WV, looking to secure financial protection through life insurance. The company helps clients explore coverage amounts based on individual needs. Local services are typically scheduled to address changes in family or financial situations. Service runs on an as-needed basis for policy reviews and periodic consultation requests.

EC
1198 Fledderjohn Rd
Elizabeth Carmichael - State Farm Insurance Agent
Life Insurance Agent · Charleston, WV

Elizabeth Carmichael - State Farm Insurance Agent in Charleston, WV, specializes in life insurance policies designed to protect families and individuals financially. The agency also offers general insurance services to help local residents manage risk and secure their assets. It assists clients in understanding coverage options that fit their unique circumstances and long-term goals. As the seasons change, the agency provides guidance on updating beneficiaries or adjusting policies after major life events, such as a recent marriage or the birth of a child.

CI
1210 Kanawha Blvd E
Central Insurance Advisors, LLC
Life Insurance Agent · Charleston, WV

As spring approaches in Charleston, families often begin reviewing their financial plans to ensure long-term security. Central Insurance Advisors, LLC offers life insurance agent services tailored to these evolving local needs. The company assists clients in understanding various policy options, focusing on straightforward guidance rather than complex sales tactics. Every consultation begins with a thoughtful review of the individual’s current coverage and financial goals. The process then proceeds to a comprehensive inspection of personal circumstances, ensuring recommendations are built on a clear assessment of each unique situation.

LG
6434 Sissonville Dr
Lisa Godwin - State Farm Insurance Agent
Life Insurance Agent · Charleston, WV

Serving the Charleston area, this local agency works with individuals and families to identify appropriate life insurance coverage, often integrating policies into broader financial or protection plans. The agency specializes in advising clients on term and whole life options to address estate planning, mortgage protection, and final expenses. In addition to residential clients, the agency offers commercial insurance solutions for local businesses, including offices, warehouses, and food service operations.

MS
1206 Kanawha Blvd E
Mountain State Insurance Agency
Life Insurance Agent · Charleston, WV

Mountain State Insurance Agency in Charleston, WV is known for providing personalized life insurance coverage to local residents and families. Its services include term life, whole life, and universal life policies, helping clients secure financial protection for their loved ones. The agency guides customers through the process of comparing plans and understanding coverage options tailored to individual needs and budgets. As a specialty service, the agency offers final expense insurance to assist with end-of-life costs and funeral planning.

WI
3512 Staunton Ave SE
White Insurance & Associates
Life Insurance Agent · Charleston, WV
DI
509 50th St SE
Dorsey Insurance Group
Life Insurance Agent · Charleston, WV
(304) 925-1912
dorseyinsurancewv.com
SI
1618 Bigley Ave
Swor Insurance Agency
Life Insurance Agent · Charleston, WV
(304) 926-0200
sworinsurance.com
II
16 Capitol St
Integrity Insurance Group
Life Insurance Agent · Charleston, WV
(304) 346-9181
iigwv.com
CC
90 MacCorkle Ave
Cascade Crest Insurance Coverage
Life Insurance Agent · Charleston, WV
(304) 207-0538
DD
1210 Kanawha Blvd E
Deacon & Deacon Insurance & Benefits Consulting LLC
Life Insurance Agent · Charleston, WV
(304) 720-5641
deaconanddeacon.com
LI
4500 MacCorkle Ave SE
Legacy Insurance - Charleston
Life Insurance Agent · Charleston, WV
(304) 925-7488
legacywv.com
WS
200 Association Dr STE 150
Western & Southern Life
Life Insurance Agent · Charleston, WV
(304) 343-9538
westernsouthern.com/wslife/financial-representatives/offices/charleston-wv-704-2
NY
13 Kanawha Blvd W #201
New York Life Insurance Company
Life Insurance Agent · Charleston, WV
(304) 552-5445
westvirginia.nyloffices.com
WV
900 Pennsylvania Ave
West Virginia Offices of the Insurance Commissioner
Life Insurance Agent · Charleston, WV
(304) 558-3386
wvinsurance.gov
KI
447 Call Rd Ste 110
Kohler Insurance Agency
Life Insurance Agent · Charleston, WV
(304) 545-1720
insurewithkohler.com
AP
5215 MacCorkle Ave SW
Allstate Personal Financial Representative: David Sullwold
Life Insurance Agent · Charleston, WV
(503) 351-0093
agents.allstate.com/david-sullwold-charleston-wv.html

What Does a a Life Insurance Agent in Charleston Cost?

Life insurance agent services in West Virginia typically do not charge a separate fee because agents earn commissions from the insurance company. Policy premiums vary widely based on age, health, and coverage amount. A healthy 35-year-old in Charleston might pay $25 to $50 per month for a 20-year term policy with $250,000 in coverage. Costs can be higher for older applicants or those with health conditions. This is general information and not insurance advice.

About life insurance agents in Charleston

Life insurance agents in Charleston, West Virginia help residents choose policies that protect their families. West Virginia insurance law requires agents to hold a valid state license and follow specific disclosure rules. Local agents can explain how state regulations affect policy benefits and premiums.

Frequently Asked Questions

What license does a life insurance agent need in West Virginia?

Agents must hold a valid West Virginia insurance producer license. They must complete pre-licensing education and pass the state exam. Continuing education is required every two years to maintain the license.

How do I verify a life insurance agent in Charleston?

You can check an agents license status on the West Virginia Offices of the Insurance Commissioner website. Look for a current license number and no disciplinary actions. You can also ask the agent for their license details directly.

What life insurance options are common in West Virginia?

Common options include term life, whole life, and universal life policies. Term life provides coverage for a set period, while whole life builds cash value. Universal life offers flexible premiums and death benefits.

Life Insurance Agents in Other West Virginia Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each life insurance agent's credentials and current standing with your state Department of Insurance.