Kentucky’s life insurance sector addresses the need for financial security amidst uncertainties, providing ranges from basic term plans to complex financial products. Local companies serve not just individual clients, but also businesses seeking tailored coverage. The industry adapts to modern challenges, like maintaining competitive pricing and embracing digital offerings to enhance customer experience. As demographics shift, insurers prioritize transparent communication and education, helping clients make informed decisions. Trends show an increasing interest in flexible policies and the integration of technology, indicating the industry's responsive approach to evolving consumer needs and preferences.

This listing highlights 22 life insurance agencies located in Kentucky, ranging from well-established firms like EM Ford, founded in 1925, to newer entrants like Advance Team Partners, which opened its doors in 2011. Operating in sizes from small teams of 1-10 to larger companies of 51-200 employees, these agencies offer products across various specialties including life, health, and commercial insurance. Their widespread locations, from Louisville to Lexington, illustrate the sector's community-focused service support.

Continue reading to discover 22 top life insurance companies in Kentucky.

Top 22 Life Insurance Companies in Kentucky

1. Johnson Pohlmann Insurance

• Website: johnsonpohlmann.com
• Ownership type: Private
• Headquarters: Danville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1938
• Headcount: 11-50
• LinkedIn: johnson-pohlmann-insurance

Johnson Pohlmann Insurance, established in 1938, is a privately owned insurance agency located in Danville, Kentucky. The agency serves individuals, families, and businesses primarily in Central Kentucky, providing a range of insurance products that include auto, home, life, health, and commercial insurance. As an independent agency, Johnson Pohlmann Insurance represents over 25 insurance companies, allowing them to offer tailored solutions to meet the unique needs of their clients. The agency prides itself on its commitment to customer service and community involvement, with team members actively participating in local organizations such as the Boyle County Senior Center and the Rotary Club of Danville. Their mission is to provide quality and affordable insurance products while maintaining a focus on integrity and professionalism in their operations.

2. Jessie Insurance Agency

• Website: jessieinsurance.com
• Ownership type: Private
• Headquarters: Campbellsville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 73%, Lebanon 27%
• Founded year: 1972
• Headcount: 11-50
• LinkedIn: jessie-insurance

Jessie Insurance Agency, established in 1972, is a privately owned insurance agency located in Campbellsville, Kentucky, with an additional office in Lebanon. The agency has been serving the Central Kentucky area for nearly five decades, providing tailored insurance solutions to both individuals and businesses. Jessie Insurance Agency offers a range of products, including auto, homeowners, health, life, and commercial insurance. As an independent agency, they represent over 25 insurance carriers, allowing them to find the best coverage options for their clients. Their dedicated team of professionals works closely with clients to address their unique insurance needs, ensuring that they are well-protected against various risks. The agency's commitment to community service and personalized care has helped it maintain a strong presence in the local insurance market.

3. Priority Insurance Agency - KY

• Website: piasomerset.com
• Ownership type: Private
• Headquarters: Somerset, Kentucky, United States (USA)
• Founded year: 2015
• Headcount: 1-10
• LinkedIn: priority-insurance-agency-ky

Priority Insurance Agency - KY, established in 2015, operates out of Somerset, Kentucky, and serves clients across the state. This private agency specializes in a range of insurance services, including auto, home, business, and notably, life insurance. The agency is dedicated to helping both individuals and businesses manage risks and protect their assets through customized insurance solutions. With a strong emphasis on customer education, Priority Insurance Agency aims to ensure that clients are well-informed about their coverage options. The agency is an independent entity, meaning it is not tied to any single insurance provider, allowing it to offer a variety of products from multiple reputable carriers. This flexibility enables them to find the best coverage at competitive prices for their clients. The agency has built a solid reputation in the local community, as evidenced by numerous positive customer reviews highlighting their excellent service and knowledgeable staff.

4. Commonwealth Insurance Services

• Website: commonwealthins.net
• Ownership type: Private
• Headquarters: Louisville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2010
• Headcount: 11-50
• LinkedIn: commonwealth-insurance-services

Commonwealth Insurance Services, founded in 2010 and based in Louisville, Kentucky, is a private insurance agency with a team of 24 employees. The company specializes in a range of personal and business insurance products, including individual life insurance. They serve clients not only in Kentucky but also in over ten other states, demonstrating their regional reach. With a commitment to providing tailored insurance solutions, Commonwealth Insurance Services emphasizes personal service, ensuring that clients can easily access support and guidance. Their independent status allows them to represent multiple insurance companies, which enhances their ability to find the best coverage options for their clients. The agency prides itself on its integrity and responsiveness, aiming to simplify the insurance experience for individuals and businesses alike.

5. Tristate Financial Network

• Website: tristatefinancialnetwork.com
• Ownership type: Private
• Headquarters: Louisville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1999
• Headcount: 11-50
• LinkedIn: tristate-financial-network

Tristate Financial Network, founded in 1999 and based in Louisville, Kentucky, is a private insurance agency that specializes in a range of financial services. The company focuses on estate planning, retirement protection, and various insurance products, including life insurance. With a team of approximately 54 employees, Tristate Financial Network emphasizes the importance of educating clients about financial literacy and securing their financial futures. They operate through personalized consultations, aiming to build long-term relationships with their clients. The agency is dedicated to assessing individual needs and providing tailored solutions, which includes a variety of insurance products such as final expense and hospital indemnity insurance. Their approach reflects a commitment to helping clients navigate the complexities of financial planning and insurance coverage.

6. Hyland Insurance

• Website: hylandins.net
• Ownership type: Private
• Headquarters: Lyndon, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1983
• Headcount: 11-50
• LinkedIn: hyland-insurance-services

Hyland Insurance, founded in 1983 and based in Lyndon, Kentucky, operates as an independent insurance agency. With a team of approximately 43 employees, the agency provides a comprehensive suite of insurance solutions tailored to meet the needs of individuals, businesses, and organizations. Their offerings include personal insurance such as home, auto, and individual life insurance, as well as business insurance and employee benefits. Hyland Insurance also engages in financial planning, helping clients navigate their financial futures. The agency prides itself on its commitment to community involvement and has received recognition for its customer service and philanthropic efforts. They maintain partnerships with various industry organizations to enhance their service offerings and stay informed about industry trends.

7. Slade & Collins Insurance

• Website: sladecollins.com
• Ownership type: Family Owned
• Headquarters: Lexington, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1935
• Headcount: 1-10
• LinkedIn: slade-%26-collins-insurance

Slade & Collins Insurance, based in Lexington, Kentucky, has been a family-owned insurance agency since its founding in 1935. The agency specializes in providing a wide array of insurance products, including auto, home, business, health, and notably, life insurance. With a small team of around 17 employees, Slade & Collins emphasizes personalized service, ensuring that clients receive tailored insurance solutions that meet their specific needs. Their history reflects a strong commitment to community engagement and customer care, which has helped them maintain a loyal client base over the decades. The agency operates as an independent agent, representing multiple carriers to find the best coverage options for their clients. This independence allows them to offer competitive rates and comprehensive coverage, enhancing their relevance in the insurance market.

8. EM Ford

• Website: emford.com
• Ownership type: Family Owned
• Headquarters: Owensboro, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1925
• Headcount: 11-50
• LinkedIn: em-ford-%26-company-llc

EM Ford is an independent insurance agency based in Owensboro, Kentucky, with a history dating back to 1925. As a family-owned business, it has maintained a commitment to personal service and client satisfaction over nearly a century. The agency provides a wide array of insurance products, including personal insurance (home, auto, and individual life insurance), business insurance, and employee benefits. Their approach integrates risk management and financial planning, aiming to protect clients' assets and secure their futures. With a team of over 30 knowledgeable advisors, EM Ford operates from multiple locations in Kentucky and serves clients across the state and beyond. They are also members of the Beyond Insurance Global Network, which enhances their capabilities in risk management and client service.

9. McConnell Insurance Agency

• Website: mcconnellinsurance.com
• Ownership type: Private
• Headquarters: Murray, Kentucky, United States (USA)
• Founded year: 1965
• Headcount: 1-10
• LinkedIn: mcconnell-insurance-agency

McConnell Insurance Agency, based in Murray, Kentucky, has been serving clients since 1965. This privately-owned agency specializes in a variety of insurance products, including health, life, and business insurance. They cater to individuals, families, and businesses, providing tailored solutions to meet specific insurance needs. The agency prides itself on delivering high-quality service through a dedicated team of licensed agents who are well-versed in the intricacies of insurance coverage and claims. Their approach emphasizes understanding client requirements and building lasting relationships. McConnell Insurance Agency also engages with the community, supporting local organizations and initiatives, which enhances their reputation and client trust. With a focus on life insurance, they offer products such as term life and universal life insurance, demonstrating their commitment to this segment of the market.

10. Advance Team Partners

• Website: advanceteampartners.com
• Ownership type: Private
• Headquarters: Louisville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2011
• Headcount: 51-200
• LinkedIn: advance-team-partners

Advance Team Partners, founded in 2011 and based in Louisville, Kentucky, is an insurance agency that focuses on life insurance, mortgage protection, final expense planning, and retirement assurance services. The company aims to help American families secure financial stability and protect their assets through a network of agents operating across several states. They emphasize training and support for their agents, fostering a culture of growth and development within their team. Advance Team Partners is dedicated to serving the senior market, providing tailored solutions for retirement protection and final expense planning. Their commitment to excellence and integrity in client care is evident in their mission to meet clients where they are and assist them in achieving their financial goals. The company collaborates with various carriers to offer a range of insurance products, ensuring that they can meet the diverse needs of their clients.

11. Hardscuffle Inc

• Website: hardscuffle.com
• Ownership type: Family Owned
• Headquarters: Louisville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1975
• Headcount: 51-200
• LinkedIn: hardscuffle-inc

Hardscuffle Inc, based in Louisville, Kentucky, is a family-owned insurance holding company that operates through its subsidiaries, American Life & Accident Insurance Company and Hornbeam Insurance. Founded in 1975, Hardscuffle has a rich history in the insurance sector, with American Life & Accident established in 1906. The company provides a variety of insurance products, including life insurance, property casualty insurance, warranty insurance, and specialty insurance. Hardscuffle serves both individual consumers and businesses, helping them manage risks and protect against financial losses. The company is a member of several industry associations, including the American Council of Life Insurers and the American Property Casualty Insurance Association, which underscores its commitment to industry standards and practices. Hardscuffle's leadership emphasizes ethical market conduct and community involvement, reflecting its dedication to responsible business practices. The company has not reported any recent funding, indicating it operates independently without external financial backing.

12. Van Meter Insurance / Houchens

• Website: vanmeterins.com
• Ownership type: Private
• Headquarters: Bowling Green, Kentucky, United States (USA)
• Founded year: 1977
• Headcount: 201-500
• LinkedIn: van-meter-insurance-houchens

Van Meter Insurance / Houchens, part of the Houchens Insurance Group, is an independent insurance agency based in Bowling Green, Kentucky. Founded in 1977, the agency has grown to serve a wide array of clients across multiple states, providing tailored insurance solutions that include business insurance, employee benefits, and personal insurance. Their offerings in personal insurance include home, auto, and individual life insurance, indicating their involvement in the life insurance sector. The agency prides itself on understanding the unique needs of its clients and delivering customized coverage options. They have been recognized as a best practices agency and have received multiple awards for their ethical standards and commitment to client service. With a workforce of around 110 employees, they maintain a strong presence in the insurance market, emphasizing their independent status and partnerships with various insurance carriers.

13. Charles M. Moore Insurance Agency

• Website: cmmoore.com
• Ownership type: Private
• Headquarters: Bowling Green, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1922
• Headcount: 11-50
• LinkedIn: charles-m.-moore-insurance

Charles M. Moore Insurance Agency, founded in 1922, is a private insurance agency based in Bowling Green, Kentucky. With a dedicated team of 25 employees, the agency has built a reputation for providing a wide array of insurance services, including personal, business, and life insurance. Over the years, it has grown into one of the prominent independent insurance agencies in Kentucky, serving both individual consumers and businesses. The agency prides itself on its ability to manage risks and protect assets through customized insurance solutions. It represents over 150 insurance companies, allowing it to offer clients competitive pricing and comprehensive insurance programs. The agency's commitment to client service and its extensive experience in the industry position it as a reliable option for those seeking life insurance and other insurance products.

14. Energy Insurance Agency

• Website: energyinsuranceagency.com
• Ownership type: Corporate
• Headquarters: Lexington, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Latest funding: September 2024
• Founded year: 1982
• Headcount: 51-200
• LinkedIn: energyinsurance

Energy Insurance Agency, established in 1982, is an independent insurance agency based in Lexington, Kentucky. With a workforce of approximately 91 employees, the agency operates across multiple locations in Kentucky and Ohio, and is licensed in 48 states. They provide a comprehensive suite of insurance solutions, including business insurance, personal insurance, employee benefits, and notably, life insurance. The agency has built a reputation for tailoring coverage to meet the unique needs of both businesses and individual consumers. Their commitment to client relationships and personalized service is evident in their approach to insurance, which emphasizes understanding and addressing specific risks. Energy Insurance Agency has also been recognized in the industry, being named a top property/casualty agency, which reflects their active engagement and standing within the insurance sector.

15. Desmond Insurance

• Website: desmondinsurance.com
• Ownership type: Family Owned
• Headquarters: Bellevue, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1929
• Headcount: 11-50
• LinkedIn: desmond-insurance

Desmond Insurance, established in 1929, is a family-owned independent insurance agency based in Bellevue, Kentucky. The agency specializes in a wide array of insurance products, including auto, home, health, life, and business insurance. With a dedicated team of 26 employees, Desmond Insurance prides itself on providing personalized service to its clients, ensuring that coverage is tailored to meet specific needs and budgets. The agency represents over 20 insurance carriers, allowing it to offer competitive rates and multi-policy discounts. Desmond Insurance actively engages with the community, promoting charitable initiatives through its referral program, which contributes to local charities. Their life insurance offerings include essential products such as life insurance reviews, calculators, and final expense insurance, demonstrating their commitment to helping clients secure their financial futures.

16. Bennett Insurance Agency

• Website: insuringkentucky.com
• Ownership type: Private
• Headquarters: Owensboro, Kentucky, United States (USA)
• Founded year: 2016
• Headcount: 1-10
• LinkedIn: biaky

Bennett Insurance Agency LLC, founded in 2016 and based in Owensboro, Kentucky, operates as an independent insurance agency. The agency specializes in a wide range of personal and business insurance solutions, including individual life insurance, home, and auto insurance. With a focus on serving clients across Kentucky and Indiana, Bennett Insurance Agency aims to provide customized coverage options that protect against various risks. The agency prides itself on exceptional customer service, emphasizing the importance of understanding clients' unique needs and risks. By representing multiple insurance companies, Bennett Insurance Agency offers clients a variety of policy choices, ensuring they receive the best possible coverage tailored to their circumstances. The agency's commitment to community involvement and client satisfaction further solidifies its position in the insurance industry.

17. Moneyline Financial Services

• Website: moneylinewealthmanagement.com
• Ownership type: Private
• Headquarters: Lexington, Kentucky, United States (USA)
• Founded year: 1987
• Headcount: 1-10
• LinkedIn: moneyline-financial-services

Moneyline Financial Services, based in Lexington, Kentucky, is a private financial services firm established in 1987. The company specializes in a range of financial products, including life insurance, retirement planning, and long-term care services. With a small team of around 72 employees, Moneyline focuses on providing personalized financial advice to both individuals and business owners. Their mission is to help clients navigate complex financial decisions and secure their financial futures through tailored planning and informed guidance. The firm has built a reputation for its commitment to integrity and professionalism, ensuring that clients receive high-quality information and services. Moneyline has also been involved in long-term care planning for over two decades, conducting educational seminars to raise awareness about the importance of such planning. This extensive experience in the financial sector, particularly in life insurance, positions them as a relevant player in the industry.

18. Old Kentucky Insurance

• Website: oldkyins.com
• Ownership type: Private
• Headquarters: Louisville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1973
• Headcount: 11-50
• LinkedIn: old-kentucky-insurance

Old Kentucky Insurance is an independent insurance agency based in Louisville, Kentucky, with additional offices in Shelbyville and Erlanger. Founded in 1973, the agency has built a reputation for providing a variety of insurance products tailored to meet the needs of both individual consumers and businesses. Their offerings include auto, homeowner, trucking, business, and life insurance. The agency prides itself on delivering personalized service and support, working closely with clients to help them manage risks and protect their assets. Old Kentucky Insurance collaborates with reputable insurance companies to provide quality coverage options. Their commitment to customer service is evident in their approach to building long-term relationships with clients, ensuring they receive the necessary assistance for claims, policy changes, and other insurance needs.

19. Cornerstone Insurance Agency

• Website: cornerstoneinsllc.com
• Ownership type: Private
• Headquarters: Independence, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1970
• Headcount: 11-50
• LinkedIn: cornerstone-insurance-agency

Cornerstone Insurance Agency, established in 1970, is a private insurance agency based in Independence, Kentucky. With a workforce of 27 employees, the agency operates multiple offices in Florence, Independence, and Lexington. Cornerstone Insurance provides a wide array of insurance products, including life, auto, home, health, recreational, and business insurance. The agency serves both individual consumers and businesses, helping them manage risks and protect their assets through comprehensive coverage options. Their strategic partnerships with several Kentucky agencies enhance their service offerings, allowing them to provide better coverage options and personalized service. Cornerstone Insurance emphasizes customer satisfaction and has built a reputation for being accessible and responsive to client needs, which is particularly important in the life insurance market.

20. Cornerstone Insurance Agency, LLC

• Website: louisvilleinsurancehelp.com
• Ownership type: Private
• Headquarters: Louisville, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 2017
• Headcount: 1-10
• LinkedIn: cornerstone-insurance-agency-llc

Cornerstone Insurance Agency, LLC is a private, independent insurance agency based in Louisville, Kentucky, founded in 2017 by David Phillips. The agency specializes in providing a wide array of insurance services, including life, health, auto, home, and business insurance. With a team of licensed agents, Cornerstone aims to assist individuals, families, and small to medium-sized businesses in navigating the complexities of insurance coverage. They are affiliated with SIAA, a national network of independent insurance agencies, which enhances their ability to offer competitive solutions to clients. The agency operates primarily in Kentucky and has expanded its reach to surrounding states, providing tailored insurance solutions to meet the unique needs of their clients. Their commitment to customer service is reflected in positive client testimonials, highlighting their focus on building long-term relationships based on trust and personalized service.

21. Gross Insurance Agency

• Website: gross-ins.com
• Ownership type: Family Owned
• Headquarters: Fort Thomas, Kentucky, United States (USA)
• Employee distribution: United States (USA) 100%
• Founded year: 1965
• Headcount: 11-50
• LinkedIn: gross-insurance-agency-llc

Gross Insurance Agency, established in 1965, is a family-owned insurance agency based in Fort Thomas, Kentucky. The agency has built a reputation for providing a wide array of insurance products, including auto, homeowner's, health, and life insurance, as well as commercial insurance solutions. With a team of dedicated agents, Gross Insurance Agency focuses on understanding the unique needs of their clients, ensuring personalized service and competitive pricing. The agency prides itself on its commitment to client relationships, aiming to deliver tailored insurance solutions that meet individual and business needs. Their experienced team includes licensed agents with various designations, reflecting a depth of knowledge in the insurance field. Gross Insurance Agency operates without reported funding, relying on its established presence and community ties to serve its clientele effectively.

22. Harris Insurance Agency, Inc.

• Website: harrisagents.com
• Ownership type: Private
• Headquarters: Harlan, Kentucky, United States (USA)
• Founded year: 1934
• Headcount: 1-10
• LinkedIn: harris-insurance-agency-inc

Harris Insurance Agency, Inc. is an independent insurance agency based in Harlan, Kentucky, with additional operations in Johnson City, Tennessee. Established in 1934, the agency has built a reputation for providing personalized insurance solutions tailored to the needs of individuals and businesses in Southeast Kentucky and Northeast Tennessee. With over 90 years of experience, Harris Insurance Agency emphasizes community engagement and customer service, ensuring that clients receive the attention and support they need. The agency offers a wide array of insurance products, including home, auto, motorcycle, flood, and individual life insurance, as well as various business insurance options. Their team boasts a combined experience of over 100 years, and they work with more than 25 top-rated insurance carriers to find the best coverage for their clients. Harris Insurance Agency prides itself on being locally owned and operated, which allows them to foster strong relationships with their clients and provide tailored advice without pressure to purchase unnecessary coverage.

Life Insurance Insights: Key Companies in Kentucky

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