Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 30, 2020

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We offer West Virginia residents 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.

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. 

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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.

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

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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.

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.

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.