West Virginia’s life insurance laws are governed by Chapter 33 of the West Virginia Code.
- 10-day free look period (WV 33-6-11b)
- 31-day grace period (WV 33-13-3)
- Insurers must pay claims within two months (WV 33-13-3); Interest accrues on the payment beginning from the date of death (WV 33-13-14a)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value or withdrawal (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Wisconsin’s life insurance laws and Wyoming’s life insurance laws are nearly identical to those of West Virginia).
How Much Is A $10,000 Whole Life Policy In West Virginia?
The table below shows the rates by age of $10,000 of whole life insurance in West Virginia.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.37 | $16.93 | $14.46 | $15.75 |
| 25 | $15.66 | $17.99 | $15.21 | $17.47 |
| 30 | $17.43 | $20.17 | $16.06 | $19.39 |
| 35 | $18.92 | $22.08 | $17.16 | $21.21 |
| 40 | $21.04 | $25.09 | $19.58 | $23.22 |
| 45 | $23.80 | $29.33 | $22.91 | $27.31 |
| 50 | $27.37 | $34.12 | $24.26 | $31.94 |
| 55 | $32.72 | $40.01 | $28.01 | $36.44 |
| 60 | $39.30 | $47.17 | $32.77 | $42.92 |
| 65 | $48.69 | $58.38 | $41.42 | $50.80 |
| 70 | $60.58 | $71.04 | $52.29 | $60.25 |
| 75 | $97.98 | $132.84 | $71.41 | $94.97 |
| 80 | $134.79 | $182.65 | $97.59 | $135.48 |
| 85 | $187.83 | $258.39 | $131.87 | $192.53 |
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Charleston, situated in the heart of South Carolina, captivates visitors with its distinguished charm, cobblestone streets, and architectural treasures. This historic city, known for its well-preserved past and vibrant cultural scene, stands as a beacon of Southern hospitality. From the scenic Battery promenade to the colorful Rainbow Row, Charleston offers a rich tapestry of colonial history blended with contemporary arts and cuisine. Its stunning plantations, lush gardens, and poignant museums further illustrate the city’s deep historical significance and enduring allure, making Charleston a must-visit destination for those seeking a profound connection with America’s past and present.
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Huntington, nestled along the banks of the Ohio River, stands as a vibrant city in the heart of West Virginia. Known for its rich history, Huntington is home to Marshall University, fostering a lively academic atmosphere and contributing to the dynamic cultural scene. The city’s beautiful parks, including the expansive Ritter Park, offer residents and visitors alike a chance to enjoy the outdoors. Huntington’s downtown area is a hub of activity, featuring a variety of shops, restaurants, and entertainment options, including the renowned Huntington Museum of Art. With its robust sense of community and a plethora of yearly events, from music festivals to marathon races, Huntington offers a unique blend of small-town charm and urban convenience, making it an ideal spot for both living and exploring.
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You never know what battles people may be fighting.
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Morgantown, nestled along the banks of the Monongahela River, is a vibrant city in northern West Virginia. Famous for housing the prestigious West Virginia University, it’s a hub of education, innovation, and cultural activities. The city’s picturesque landscapes, combined with its rich history and diverse community, make it an attractive destination for students, professionals, and families alike. With an array of outdoor activities, sports events, and a thriving downtown area, Morgantown offers a perfect blend of small-town charm and dynamic city life.
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Parkersburg, nestled along the mighty Ohio River, is a quaint yet vibrant city in Wood County, West Virginia. Rich in history and brimming with charm, this city serves as a treasure trove of American heritage and natural beauty. Known for its welcoming community, diverse economy, and scenic parks, Parkersburg boasts a unique blend of historical sites, such as the Blennerhassett Island Historical State Park, and modern amenities. Its strategic location has made it a pivotal area for commerce and recreation, attracting both visitors and residents alike. Whether you’re exploring its historic downtown, indulging in local cuisine, or enjoying a leisurely day by the river, Parkersburg offers a serene and inviting atmosphere that makes it a memorable destination in the heart of Appalachia.
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Nestled along the banks of the picturesque Ohio River, Wheeling is a charming city that boasts a rich tapestry of history, culture, and natural beauty. As the original capital of West Virginia, Wheeling is steeped in a vibrant past, offering visitors a glimpse into its significant role in both state and national history. The city’s heritage is showcased through its well-preserved Victorian architecture, most notably in the historic Centre Market area, which continues to be a bustling hub of commerce and community events. Wheeling’s commitment to culture and the arts is evident in its diverse array of museums, galleries, and theaters, including the renowned Capitol Theatre. The Jewel of the Ohio Valley, as it is affectionately known, is also a haven for outdoor enthusiasts, with the scenic Wheeling Heritage Trail providing miles of pathways for biking, walking, and exploration. From its friendly people to its scenic landscapes, Wheeling, West Virginia, remains a delightful blend of tradition and progress, offering something for everyone.
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In West Virginia
For the residents of the great state of West Virginia, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
- ADHD
- Addisons Disease
- Anxiety Disorder
- Artery Disease
- Arthritis (Psoriatic)
- Arthritis (Rheumatoid)
- Asthma (Chronic)
- Asthma (Mild)
- Atrial Fibrillation
- Autism (High Functioning)
- Autism (Severe)
- Barlows Syndrome
- Bladder Pain (Chronic)
- Blood Clot
- Blood Disorder
- Bone Marrow Transplant
- Brain Tumor (Removed; Benign)
- Bronchitis (Acute)
- COVID-19
- CPAP Use (w/o Oxygen)
- Cancer (Skin)
- Cardioversion Treatment
- Cerebral Palsy
- Chronic Cough
- Chronic Pancreatitis
- Circulatory Disease
- Claudication
- Clogged Arteries
- Coronary Artery Disease
- Crohns Disease
- Declined for Life Insurance
- Depression
- Diabetes (No Insulin)
- Diabetes (With Insulin)
- Disability
- Encephalopathy
- Enlarged Heart
- Enlarged Prostate
- Epilepsy
- Felony
- Fibromyalgia
- Glaucoma
- Gout
- Guillain-Barre Syndrome
- Hashimotos Disease
- Heart Arrhythmia
- Heart Blockage
- Heart Catheterization
- Heart Disease
- Heart Murmur (Functional)
- Heart Murmur (Innocent)
- Hemophilia
- High Blood Pressure
- High Cholesterol
- Irregular Heartbeat
- Irritable Bowel Syn.
- Kidney Stones
- Low Blood Pressure
- Lupus (Non-Systemic)
- Lyme Disease
- Malaria
- Memory Loss
- Mitral Valve Prolapse
- Multiple Sclerosis (MS)
- Muscular Dystrophy
- Myasthenia Gravis
- Narcolepsy
- Neuropathy (Non-Diabetic)
- Osteoarthritis
- Osteoporosis
- PAD
- PTSD
- PVD
- Pagets Disease of the Bone
- Pain (Chronic)
- Pancreatic Insufficiency
- Panic Disorder
- Parole / Probation
- Pernicious Anemia
- Pneumonia
- Pulmonary Embolism
- Pulmonary Sarcoidosis
- Respiratory Failure
- Restless Leg Syndrome
- Scleroderma
- Seizures
- Sepsis
- Shingles
- Sjogrens Syndrome
- Sleep Apnea (No Oxygen)
- Spina Bifida
- Spinal Stenosis
- Stem Cell Transplant
- Suicide Attempt
- Thrombocythemia
- Thrombocytopenia
- Thrombosis (Blood Clots)
- Thyroid Disorders
- Tourettes
- Ulcer
- Ulcerative Colitis
- Unexplained Weight Loss (> 10 lbs)
- Vertigo
- Wegeners Granulomatosis
- Wet Macular Degeneration
- Wolff-Park. Syndrome
- ADL Assistance Required
- Alcohol / Drug Abuse
- Aneurysm (Corrected)
- Aneurysm (Not Corrected)
- Angina
- Angioplasty
- Assisted Living Facility
- Awaiting Surgery
- Awaiting Test Results
- Bedridden
- Brain Tumor (Not Removed; Benign)
- CHF
- CPAP Use (w/Oxygen)
- Cancer (Not Skin)
- Cardiac Ablation
- Cardiomyopathy
- Circulatory Surgery
- Coronary Artery Bypass
- DUI / DWI
- Defibrillator
- Diabetic Coma
- Gastric Bypass
- Heart Attack
- Heart Surgery
- Heart Valve Surgery
- Hemorrhagic Stroke
- Hodgkins Lymphoma
- Home Health Care
- Hospitalization
- Huntingtons Disease
- Hypertrophic Cardiomyopathy
- Insulin Shock
- Intracerebral Hemorrhage
- Lap Band Surgery
- Leukemia
- Liver Disease
- Liver Disorder
- Melanoma
- Multiple Myeloma
- Myocarditis
- Nephropathy
- Neuropathy
- Non-Hodgkins Lymphoma
- Nursing Home
- Organ Transplant (Completed)
- Oxygen (Non-Continuous)
- Oxygen (Sleep Apnea Use Only)
- Oxygen Use (Continuous)
- Pacemaker
- Paralysis
- Paraplegia
- Pending Hospitalization
- Pending Surgery
- Quadriplegia
- Retinopathy
- Sleep Apnea (w/Oxygen)
- Stent Placement
- Stroke / TIA
- Watchman Implant
- Wheelchair (Confined)
- Wheelchair (Not Confined)
Mutual of Omaha
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
- ADHD
- Addisons Disease
- Anxiety Disorder
- Artery Disease
- Arthritis (Psoriatic)
- Arthritis (Rheumatoid)
- Asthma (Chronic)
- Asthma (Mild)
- Atrial Fibrillation
- Autism (High Functioning)
- Autism (Severe)
- Barlows Syndrome
- Bladder Pain (Chronic)
- Blood Clot
- Blood Disorder
- Bone Marrow Transplant
- Brain Tumor (Removed; Benign)
- Bronchitis (Acute)
- COVID-19
- CPAP Use (w/o Oxygen)
- Cancer (Skin)
- Cardioversion Treatment
- Cerebral Palsy
- Chronic Cough
- Chronic Pancreatitis
- Circulatory Disease
- Claudication
- Clogged Arteries
- Coronary Artery Disease
- Crohns Disease
- Declined for Life Insurance
- Depression
- Diabetes (No Insulin)
- Diabetes (With Insulin)
- Disability
- Encephalopathy
- Enlarged Heart
- Enlarged Prostate
- Epilepsy
- Felony
- Fibromyalgia
- Glaucoma
- Gout
- Guillain-Barre Syndrome
- Hashimotos Disease
- Heart Arrhythmia
- Heart Blockage
- Heart Catheterization
- Heart Disease
- Heart Murmur (Functional)
- Heart Murmur (Innocent)
- Hemophilia
- High Blood Pressure
- High Cholesterol
- Irregular Heartbeat
- Irritable Bowel Syn.
- Kidney Stones
- Low Blood Pressure
- Lupus (Non-Systemic)
- Lyme Disease
- Malaria
- Memory Loss
- Mitral Valve Prolapse
- Multiple Sclerosis (MS)
- Muscular Dystrophy
- Myasthenia Gravis
- Narcolepsy
- Neuropathy (Non-Diabetic)
- Osteoarthritis
- Osteoporosis
- PAD
- PTSD
- PVD
- Pagets Disease of the Bone
- Pain (Chronic)
- Pancreatic Insufficiency
- Panic Disorder
- Parole / Probation
- Pernicious Anemia
- Pneumonia
- Pulmonary Embolism
- Pulmonary Sarcoidosis
- Respiratory Failure
- Restless Leg Syndrome
- Scleroderma
- Seizures
- Sepsis
- Shingles
- Sjogrens Syndrome
- Sleep Apnea (No Oxygen)
- Spina Bifida
- Spinal Stenosis
- Stem Cell Transplant
- Suicide Attempt
- Thrombocythemia
- Thrombocytopenia
- Thrombosis (Blood Clots)
- Thyroid Disorders
- Tourettes
- Ulcer
- Ulcerative Colitis
- Unexplained Weight Loss (> 10 lbs)
- Vertigo
- Wegeners Granulomatosis
- Wet Macular Degeneration
- Wolff-Park. Syndrome
- ADL Assistance Required
- Alcohol / Drug Abuse
- Aneurysm (Corrected)
- Aneurysm (Not Corrected)
- Angina
- Angioplasty
- Assisted Living Facility
- Awaiting Surgery
- Awaiting Test Results
- Bedridden
- Brain Tumor (Not Removed; Benign)
- CHF
- CPAP Use (w/Oxygen)
- Cancer (Not Skin)
- Cardiac Ablation
- Cardiomyopathy
- Circulatory Surgery
- Coronary Artery Bypass
- DUI / DWI
- Defibrillator
- Diabetic Coma
- Gastric Bypass
- Heart Attack
- Heart Surgery
- Heart Valve Surgery
- Hemorrhagic Stroke
- Hodgkins Lymphoma
- Home Health Care
- Hospitalization
- Huntingtons Disease
- Hypertrophic Cardiomyopathy
- Insulin Shock
- Intracerebral Hemorrhage
- Lap Band Surgery
- Leukemia
- Liver Disease
- Liver Disorder
- Melanoma
- Multiple Myeloma
- Myocarditis
- Nephropathy
- Neuropathy
- Non-Hodgkins Lymphoma
- Nursing Home
- Organ Transplant (Completed)
- Oxygen (Non-Continuous)
- Oxygen (Sleep Apnea Use Only)
- Oxygen Use (Continuous)
- Pacemaker
- Paralysis
- Paraplegia
- Pending Hospitalization
- Pending Surgery
- Quadriplegia
- Retinopathy
- Sleep Apnea (w/Oxygen)
- Stent Placement
- Stroke / TIA
- Watchman Implant
- Wheelchair (Confined)
- Wheelchair (Not Confined)
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
- ADHD
- Addisons Disease
- Anxiety Disorder
- Artery Disease
- Arthritis (Psoriatic)
- Arthritis (Rheumatoid)
- Asthma (Chronic)
- Asthma (Mild)
- Atrial Fibrillation
- Autism (High Functioning)
- Autism (Severe)
- Barlows Syndrome
- Bladder Pain (Chronic)
- Blood Clot
- Blood Disorder
- Bone Marrow Transplant
- Brain Tumor (Removed; Benign)
- Bronchitis (Acute)
- COVID-19
- CPAP Use (w/o Oxygen)
- Cancer (Skin)
- Cardioversion Treatment
- Cerebral Palsy
- Chronic Cough
- Chronic Pancreatitis
- Circulatory Disease
- Claudication
- Clogged Arteries
- Coronary Artery Disease
- Crohns Disease
- Declined for Life Insurance
- Depression
- Diabetes (No Insulin)
- Diabetes (With Insulin)
- Disability
- Encephalopathy
- Enlarged Heart
- Enlarged Prostate
- Epilepsy
- Felony
- Fibromyalgia
- Glaucoma
- Gout
- Guillain-Barre Syndrome
- Hashimotos Disease
- Heart Arrhythmia
- Heart Blockage
- Heart Catheterization
- Heart Disease
- Heart Murmur (Functional)
- Heart Murmur (Innocent)
- Hemophilia
- High Blood Pressure
- High Cholesterol
- Irregular Heartbeat
- Irritable Bowel Syn.
- Kidney Stones
- Low Blood Pressure
- Lupus (Non-Systemic)
- Lyme Disease
- Malaria
- Memory Loss
- Mitral Valve Prolapse
- Multiple Sclerosis (MS)
- Muscular Dystrophy
- Myasthenia Gravis
- Narcolepsy
- Neuropathy (Non-Diabetic)
- Osteoarthritis
- Osteoporosis
- PAD
- PTSD
- PVD
- Pagets Disease of the Bone
- Pain (Chronic)
- Pancreatic Insufficiency
- Panic Disorder
- Parole / Probation
- Pernicious Anemia
- Pneumonia
- Pulmonary Embolism
- Pulmonary Sarcoidosis
- Respiratory Failure
- Restless Leg Syndrome
- Scleroderma
- Seizures
- Sepsis
- Shingles
- Sjogrens Syndrome
- Sleep Apnea (No Oxygen)
- Spina Bifida
- Spinal Stenosis
- Stem Cell Transplant
- Suicide Attempt
- Thrombocythemia
- Thrombocytopenia
- Thrombosis (Blood Clots)
- Thyroid Disorders
- Tourettes
- Ulcer
- Ulcerative Colitis
- Unexplained Weight Loss (> 10 lbs)
- Vertigo
- Wegeners Granulomatosis
- Wet Macular Degeneration
- Wolff-Park. Syndrome
- ADL Assistance Required
- Alcohol / Drug Abuse
- Aneurysm (Corrected)
- Aneurysm (Not Corrected)
- Angina
- Angioplasty
- Assisted Living Facility
- Awaiting Surgery
- Awaiting Test Results
- Bedridden
- Brain Tumor (Not Removed; Benign)
- CHF
- CPAP Use (w/Oxygen)
- Cancer (Not Skin)
- Cardiac Ablation
- Cardiomyopathy
- Circulatory Surgery
- Coronary Artery Bypass
- DUI / DWI
- Defibrillator
- Diabetic Coma
- Gastric Bypass
- Heart Attack
- Heart Surgery
- Heart Valve Surgery
- Hemorrhagic Stroke
- Hodgkins Lymphoma
- Home Health Care
- Hospitalization
- Huntingtons Disease
- Hypertrophic Cardiomyopathy
- Insulin Shock
- Intracerebral Hemorrhage
- Lap Band Surgery
- Leukemia
- Liver Disease
- Liver Disorder
- Melanoma
- Multiple Myeloma
- Myocarditis
- Nephropathy
- Neuropathy
- Non-Hodgkins Lymphoma
- Nursing Home
- Organ Transplant (Completed)
- Oxygen (Non-Continuous)
- Oxygen (Sleep Apnea Use Only)
- Oxygen Use (Continuous)
- Pacemaker
- Paralysis
- Paraplegia
- Pending Hospitalization
- Pending Surgery
- Quadriplegia
- Retinopathy
- Sleep Apnea (w/Oxygen)
- Stent Placement
- Stroke / TIA
- Watchman Implant
- Wheelchair (Confined)
- Wheelchair (Not Confined)
