West Virginia Life Insurance [2023]

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.

UPDATED: Feb 28, 2023Fact Checked

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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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Written by Tim Bain
Founder & Life Insurance Agent

Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...

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Reviewed by Benjamin Carr
Former State Farm Insurance Agent

UPDATED: Feb 28, 2023

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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 28, 2023

Advertiser Disclosure

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

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.

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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.