Life Insurance By State

Best Life Insurance In Vermont

Explore Vermont life insurance, understand what it is, how it works, different policies, laws, and the top insurance providers in Vermont.

1 min read
Vermont cost of a funeral

Vermont’s life insurance laws are governed by Title 8 of the Vermont Statutes.

  • 10-day free look period (VT Admin Code 4-3-4:3)
  • 30-day grace period (8 VT 3731)
  • The insurance provider is required to pay the death benefit to the beneficiary within 30 days of receiving proof of death (8 VT 3731); Claims accrue interest beginning from the date of death (8 VT 3665b)
  • Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)

Keep in mind that life insurance laws are very similar from state to state (for example, Virginia’s life insurance laws and Washington’s life insurance laws are nearly identical to those of Vermont).

How Much Is A $10,000 Whole Life Policy In Vermont?

The table below shows the rates by age of $10,000 of whole life insurance in Vermont.

AgeMaleMale (Smoker)FemaleFemale (Smoker)
20$15.37$16.61$14.37$15.50
25$16.23$18.68$14.77$17.58
30$17.52$19.74$16.24$18.73
35$19.12$22.68$17.99$20.98
40$20.50$25.18$19.44$24.11
45$23.66$28.46$22.81$27.75
50$27.52$34.12$24.84$31.99
55$32.10$40.29$28.53$36.83
60$38.87$47.15$32.84$42.14
65$47.91$57.63$41.57$50.45
70$59.94$71.27$53.17$60.18
75$97.93$133.39$71.40$94.42
80$134.97$182.03$98.13$135.57
85$188.26$258.06$131.83$192.62

See how much you could save

Compare rates from 19 carriers in 60 seconds

Best Life Assurance In Barre

Barre, nestled in the heart of Vermont, offers a unique blend of history, culture, and natural beauty. Known as the “Granite Center of the World,” this charming small city boasts rich heritage sites, including exquisite granite sculptures and quarries that draw visitors globally. Its vibrant community life is complemented by outdoor activities, from hiking and biking trails to exploring the local parks and reservoirs. Barre’s downtown area invites tourists and locals alike with its array of shops, restaurants, and cultural events, making it a perfect blend of industrial legacy and natural allure.

Life Insurance AgencyAddressPhone
Essential Retirement Services, Inc.185 N Main St Suite 11+18025484114
Leo J Dutil Insurance260 Camp St+18024799767
Eddie Rousse103 S Main St+18025056800
Dutil Insurance18 Cano Dr+18024767707
Marsh Agency192 S Main St+18024763100
Bob Bartlett – State Farm Insurance Agent92 S Main St Suite 1+18024793353
Cheeseman Insurance Group14 N Main St Suite 5005+18028614800
Plainsman Insurance and Financial Solutions LLC8 Lawson Ln+18029896342
Stoner Insurance Agency1396 N Craftsbury Rd+18025781386

Best Coverage In Burlington

Burlington is a vibrant city known for its scenic beauty, diverse cultural scene, and robust economic environment. Nestled on the shores of Lake Champlain, Burlington offers breathtaking waterfront views, picturesque parks, and extensive recreational activities. The city is home to the University of Vermont, lending it a youthful energy and fostering an atmosphere of innovation and education. With a bustling downtown filled with unique shops, restaurants, and entertainment options, Burlington seamlessly combines small-town charm with big-city convenience. Renowned for its commitment to sustainability, community engagement, and arts, Burlington stands out as a dynamic and welcoming destination for residents and visitors alike.

Life Insurance AgencyAddressPhone
Plainsman Insurance and Financial Solutions LLC8 Lawson Ln+18029896342
People’s United Insurance Agency2 Burlington Sq+18028632841
NBT-Mang Insurance AgencyWithin NBT Bank, 150 Bank St+18009656264
AssuredPartners38 Eastwood Dr+18604266200
Jeffrey Yates, Bankers Life Agent30 Kimball Ave Ste 200+18028795788
Jason Decoteau, Bankers Life Agent30 Kimball Ave Ste 200+18028795788
Cooper Insurance Services Ltd595 Dorset St UNIT 3+18026580188
Northeast Insurance Broker Services620 Hinesburg Rd #120+18028624865
Burlington Insurance Agency3 Baldwin Ave+18026602782
Russell Green, Bankers Life Agent and Bankers Life Securities Financial Representative30 Kimball Ave Ste 200+18028795788
American Income Life Insurance Co – Richard Altig & Ilija Orlovic & Melinda Lyse600 Blair Park Rd #100+14258852838

See how much you could save

Compare rates from 19 carriers in 60 seconds

Best Policies In Essex Junction

Essex Junction is a vibrant village nestled within the town of Essex in Chittenden County, Vermont, United States. Known for its friendly community and picturesque New England charm, Essex Junction is renowned for hosting the annual Champlain Valley Fair, one of the largest events in the state, drawing visitors from across the region for its amusement rides, concerts, and agricultural exhibits. The village’s central location provides easy access to the larger metropolitan areas while retaining a small-town feel, complete with local shops, eateries, and parks. Home to a mix of families, professionals, and students, Essex Junction benefits from its proximity to prominent educational institutions and thriving businesses, making it a desirable place to live, work, and play.

Life Insurance AgencyAddressPhone
Plainsman Insurance and Financial Solutions LLC8 Lawson Ln+18029896342
Kaitlyn Raymond – State Farm Insurance Agent29 Upper Main St+18028783666
Affiliated Associates5 Carmichael St+18028612900
The Essex Agency2 Railroad St+18028785334
Chris Kasper- State Farm Insurance Agent159 Pearl St #3+18028728300
Marketplace Insurance | Mullen Insurance Agency Inc.2 Market Pl # 5+18028788156
Bessette Insurance Services Inc1 Market Pl UNIT 32+18028790144
Mark Erickson – State Farm Insurance Agent29 River Rd Ste B+18028720006
Farm Family Insurance709 Portland St Suite 2+18027480250
Polly2300 St George Rd+18026559000
Nowak & Nowak33 Blair Park Rd STE 103+18028791553

Best Life Cover In South Burlington

South Burlington, nestled in the heart of Vermont, is a vibrant city that seamlessly blends urban sophistication with the serene charm of the New England countryside. This dynamic community is known for its high quality of life, featuring top-notch schools, expansive parks, and a bustling retail environment, most notably the University Mall, Vermont’s largest shopping center. With its convenient location just minutes from Burlington’s waterfront and the University of Vermont, South Burlington offers residents and visitors a unique mix of cultural attractions, outdoor activities, and economic opportunities. From the lush landscapes of Red Rocks Park to the innovative businesses sprouting throughout the city, South Burlington stands as a beacon of northern hospitality and progressive growth.

Life Insurance AgencyAddressPhone
Plainsman Insurance and Financial Solutions LLC8 Lawson Ln+18029896342
AssuredPartners38 Eastwood Dr+18604266200
Northeast Insurance Broker Services620 Hinesburg Rd #120+18028624865
Burlington Insurance Agency3 Baldwin Ave+18026602782
Kris Luce: Allstate Insurance4001 Williston Rd+18028787144
The Citro Agency: Allstate Insurance20 Kimball Ave Ste 307+18028633434
Russell Green, Bankers Life Agent and Bankers Life Securities Financial Representative30 Kimball Ave Ste 200+18028795788
Robert Hewes, Bankers Life Agent30 Kimball Ave Ste 200+18028795788
Cooper Insurance Services Ltd595 Dorset St UNIT 3+18026580188
Cross Insurance1233 Shelburne Road Suite C2A+18028652733

Best Life Insurance In Rutland

Rutland, nestled in the heart of Vermont, stands as the state’s second-largest city by population. This enchanting city, surrounded by the majestic beauty of the Green Mountains, offers a blend of history, culture, and outdoor activities. With its charming downtown area, Rutland is celebrated for its vibrant arts scene, including the renowned Paramount Theater, and a plethora of dining and shopping options that cater to every taste. The city is also a gateway to some of Vermont’s most exquisite natural attractions, including ski resorts and hiking trails, making it a year-round destination for adventurers and families alike. Rutland, with its picturesque landscapes and community-oriented atmosphere, embodies a blend of small-town charm and modern living, making it a unique and inviting place to visit or call home.

Life Insurance AgencyAddressPhone
Cavalieri Insurance Agency51 Merchants Row+18027739999
The Richards Group67 Merchants Row+18027752503
The Rabideau Insurance Agency, Inc.144 Woodstock Ave+18027751628
Andrulat Insurance Services64 Allen St+18027727793
AssuredPartners87 West St+18604266200
Hull Maynard Hersey Insurance Agency105 Center St+18027733000
Comparion Insurance Agency170 S Main St #102+18026658045
Jennifer Goeke at Comparion Insurance Agency170 S Main St #102+18026658045
Stephen Oster, Bankers Life Agent271 N Main St Ste 204+18027754950
American Benefit Corporation20 Washington St+18027751899

See how much you could save

Compare rates from 19 carriers in 60 seconds

Top Life Insurance Companies In Vermont

For the residents of the great state of Vermont, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

“Immediate Solution” Whole Life Insurance
Policy Type Whole Life
Available States All except NY
Age Range 0 – 85 years
Coverage Range $1,000 – $50,000 (varies by age)
Policy Duration Lifelong
Waiting Period None
Rate Lock Yes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants

Mutual of Omaha

“Living Promise” Whole Life Insurance
Policy Type Whole Life
Available States All except NY
Age Range 45 – 85 years
Coverage Range $2,000 – $50,000
Policy Duration Lifelong
Waiting Period None
Rate Lock Yes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy Type Whole Life
Available States All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Age Range 45 – 89 years
Coverage Range $2,000 – $50,000 (varies by age)
Policy Duration Lifelong
Waiting Period None
Rate Lock Yes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

Free Quote

Compare Burial Insurance Rates

See real prices from 19 carriers based on your age and health. Takes 60 seconds.

Beats Colonial Penn rates 94% of the time
No phone calls or spam
Written by

Rikin Shah

Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.

More Articles You Might Like