West Virginia Term and Universal Life Insurance

West Virginia Life Insurance Resources

Term Life Insurance is temporary life insurance protection for a specific period of time. Think of it as “plain vanilla” or “pure” life insurance protection. The premium on a Term policy is low compared to other types of life insurance because it builds no cash value; you pay only for the cost of insurance (C.O.I.). The C.O.I. is the amount of money the insurance company charges to keep your life insurance policy in force, depending on your age and health at the time you apply for coverage. Under a Yearly Renewable Term policy, the C.O.I. is determined at the time you apply and increases at each policy anniversary (as you get older, it becomes more expensive to insure your life). Under a Level Term policy, the C.O.I. remains level during initial guaranteed period and then increases sharply.For more information, please visit West Virginia Term and Universal Life Insurance.

West Virginia Department of Insurance: The state insurance department website includes consumer and licensee resources including a listing of all licensed life insurance agents and companies which make up the West Virginia Life insurance market..
Department of Insurance

West Virginia Life & Health Insurance Protection Association: The state life insurance guaranty association works to guarantee the safety of all West Virginia Life Insurance coverage, even in the face of an insolvency by a member life insurance company.
Life Insurance Guaranty Association


West Virginia Life Insurance Company Ratings: AM Best is the most prominent ratings company reviewing West Virginia Life Insurance Companies based on their ability to pay claims. At Life Insurance.Net we work only with A and A+ rated life insurance companies..
Life Insurance Carrier Ratings

Here is a complete list of the State Departments of Insurance

Learn more about our wonderful state. Check out Netstate’s West Virginia State Almanac
Our life insurance agents service all communities in West Virginia including:

  • Charleston
  • Huntington
  • Parkersburg
  • Morgantown
  • Wheeling

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