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West Virginia Life Insurance [2024]

West Virginia life insurance offers residents a 10-day free look period, a 4-week grace period, and a guarantee of death claims during bankruptcy up to $300,000. Find the cheapest life insurance quotes in WV online now.

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Written by:

Chris Abrams

Licensed Life Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...

Licensed Life Insurance Agent

Reviewed by:

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Feb 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

UPDATED: Feb 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

We offer West Virginia resi dents life insurance from several of the best WV life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your Alaska life insurance rates to vary.

However, this guide should help you understand the differences in West Virginia life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in West Virginia.

Before we dive into this guide, find affordable West Virginia life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

West Virginia Life Insurance Quotes

We offer West Virginia residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.Read More: The Cost of Life Insurance

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

West virginia life insurance also offers residents a 10-day free look period, a 4-week grace period, and a guarantee of death claims during bankruptcy up to $300,000. (For more information, read our “How To Get Life Insurance With a Bankruptcy Record“).

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Life Insurance Rates in West Virginia

You may be wondering what to expect with West Virginia life insurance rates. In the chart below, you’ll find what the best life insurance companies in West Virginia charge based on age, marital status, and gender for non-smokers. However, it’s possible that your rates will be different, especially if you smoke.

You can also see how many life insurance companies there are in West Virginia versus the other southern states.

According to the chart, there is one West Virginia life insurance company that specifically does business within the state, but that doesn’t mean fewer West Virginia life insurance policy options for you. You can still get the best life insurance in West Virginia. 

Check out our free quote tool on this page to find out exactly what your WV life insurance quotes will be.

West Virginia Guaranty Association

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits. (For more information, read our “How to Sell Your Life Insurance Policy“).

In West Virginia, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

West Virginia Life Insurance Contacts

Here is a list of all the necessary state contacts for residents with West Virginia life insurance claims and other related matters.

Guaranty Association

If you need information about a West Virginia life insurance or health insurance guaranty, contact the West Virginia Life & Health Insurance Guaranty Association at 1-304-733-6904 or visit the website.

Insurance Department

For the latest updates from the West Virginia Office of the Insurance Commissioner, call 1-888-879-9842 or visit the website. Here, you can learn about all things WV insurance, including the West Virginia state health plan.

Specifically, West Virginia public employees can find resources to understand everything from WV teachers’ health insurance costs to finding information about specific life insurance companies, i.e., Securian Life Insurance. (For more information, read our “Life Insurance for Teachers“)

The West Virginia Office of the Insurance Commissioner also provides a wealth of information about WV PEIA life insurance,  including answering how to pick a PEIA life insurance beneficiary, what is WV PEIA dependent life insurance, and who should consider taking on PEIA optional life insurance premiums.

Legal Info

QuickQuote is licensed to sell life insurance in West Virginia under Agency License Number 6122.

The licensed company principal is Tim Bain, Agent License Number 401352.

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West Virginia Life Insurance Companies

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

Don’t wait — Use our free quote tool to get affordable life insurance rates in West Virginia. Get started now.

Frequently Asked Questions

Are there any specific regulations or requirements for life insurance in West Virginia?

Are there any specific regulations or requirements for life insurance in West Virginia?

West Virginia, like other states, has regulations and requirements that govern the sale and operation of life insurance. Insurance companies operating in West Virginia must comply with the state’s insurance laws and regulations. Additionally, applicants for life insurance may be subject to underwriting guidelines, which include factors such as age, health, and lifestyle habits.

How can I find a licensed insurance professional in West Virginia?

How can I find a licensed insurance professional in West Virginia?

To find a licensed insurance professional in West Virginia, you can search online directories, contact the West Virginia Offices of the Insurance Commissioner, or ask for recommendations from friends, family, or trusted advisors. Working with a licensed professional can provide you with expert guidance and help you make informed decisions about your life insurance coverage.

What should I do if I need assistance with my West Virginia life insurance policy?

What should I do if I need assistance with my West Virginia life insurance policy?

If you need assistance with your West Virginia life insurance policy, such as updating beneficiary information, understanding policy provisions, or filing a claim, you should contact your insurance provider directly. They will be able to guide you through the necessary steps and address any questions or concerns you may have.

Can I name multiple beneficiaries on my life insurance policy in West Virginia?

Can I name multiple beneficiaries on my life insurance policy in West Virginia?

Yes, you can typically name multiple beneficiaries on your life insurance policy in West Virginia. By naming multiple beneficiaries, you can designate how the death benefit will be distributed among them. It’s important to specify the percentage or amount each beneficiary will receive and update the beneficiaries if your circumstances change.

Are life insurance proceeds taxable in West Virginia?

Are life insurance proceeds taxable in West Virginia?

In general, life insurance proceeds are not subject to income tax in West Virginia or at the federal level. The death benefit paid out to beneficiaries is typically considered tax-free. However, it is important to consult with a tax professional for guidance specific to your individual circumstances.

Can I change my life insurance policy in West Virginia if my circumstances change?

Can I change my life insurance policy in West Virginia if my circumstances change?

Yes, life insurance policies can typically be changed or updated to reflect changes in circumstances. You may have the option to increase or decrease coverage, add riders or endorsements, or modify the policy’s terms. It is advisable to review your policy contract and contact your insurance provider to discuss any desired changes or updates.

Your life insurance quotes are always free.

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Written by:

Chris Abrams

Licensed Life Insurance Agent

Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed life and health insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chr...

Licensed Life Insurance Agent

Reviewed by:

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

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Your life insurance quotes are always free.

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We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

We've been helping people buy life insurance online for over 23 years. In fact, we launched our first website a full year before Google!

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Disclaimer: QuickQuote.com strives to present the most up-to-date and comprehensive information on saving money on life insurance possible. This information may be different than what you see when you visit an insurance provider, insurance agency, or insurance company website. All insurance rates, products, and services are presented without warranty and guarantee. When evaluating rates, please verify directly with your insurance company or agent. Quotes and offers are not binding, nor a guarantee of coverage.

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