Virginia Life Insurance | VA Life Insurance Quotes
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Apr 27, 2022
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We offer Virginia residents life insurance from several of the best VA life insurance companies. Life insurance is very similar from state to state, with a few exceptions, so expect your Virginia life insurance rates to vary.
However, this guide should help you understand the differences in Virginia life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Virginia.
Virginia Life Insurance Quotes
We offer 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 of Virginia 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.
Virginia life insurance also offers residents a 10-day free look period, personal information protection, and timely payment of death benefits.
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Life Insurance Rates in Virginia
To give you an idea of what Virginia life insurance rates look like, check out the chart below to see what the top companies charge based on non-smoking status, age, marital status, and gender. Keep in mind that your Virginia life insurance quotes may be different, depending on demographics, occupation, habits, and family medical history as well as which Virginia life insurance policy you choose.
In this next chart, you can also see how many Virginia life insurance companies there are in comparison to other southern states.
Note that Virginia has three life insurance companies that operate specifically in the state, but that doesn’t mean affordable life insurance rates in Virginia are hard to come by.
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 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.
Virginia Life Insurance Contacts
Here is a list of all the necessary state contacts for residents with Virginia life insurance claims and other related matters.
Guaranty Association
If you need information about a Virginia life insurance or Accident & Sickness insurance guaranty, contact the Virginia Life, Accident & Sickness Insurance Guaranty Association at 1-804-282-2240 or visit the website.
Insurance Department
For the latest updates from the Virginia Bureau of Insurance, call 1-877-310-6560 or visit the website. Here, you can learn about the Virginia Retirement System life insurance, including how to pick a VRS life insurance beneficiary, what a VRS optional life insurance policy includes, or how to pick the right VRS death benefit amount.
You can also access resources about the State of Virginia retirement benefits, i.e., the VRS FCPS, and federal retirement benefits.
Additionally, the Virginia Bureau of Insurance is your source for VRS health insurance information as well.
Legal Info
QuickQuote is licensed to sell life insurance in Virginia under Agency License Number 114798.
The licensed company principal is Tim Bain, Agent License Number 681173.
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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
