Life Insurance for Dominion Energy Employees — Richmond, VA
Secure your family, protect your income & lock in permanent coverage
Dominion Energy Employees — Protect Your Family & Your Income
You keep Richmond powered. Make sure your family's protection keeps pace with the responsibility you carry. Permanent coverage plus term replacement gives you stability whether you stay with Dominion or move on.
Lock-in permanent coverage
Own a policy that follows you — not the employer.
Income protection
Term policies replace lost wages and protect your mortgage.
No-exam and guaranteed options
Choices for applicants with health issues or recent injuries.
Local, face-to-face help
I work with Richmond families and utility workers to find practical plans.
Request Your Free Quote (804) 551-9526
Serving Dominion Energy employees across Richmond, Henrico, and Chesterfield.
The Reality: Utility Work Is High-Risk Work
Working with energized equipment, heights, storm response, heavy trucks and confined spaces increases the likelihood of injury and long-term health issues. That’s why having a plan that you own — not just employer coverage — is essential for Dominion employees.
On-the-job risks
Electrical contact, vehicle incidents during storm response, and heavy equipment exposure.
Common health concerns
High blood pressure, COPD, back & joint issues, sleep apnea — all can affect future insurability.
Which Plans Work Best for Each Role?
Lineworkers & Field Technicians
High exposure to hazards — recommended: permanent life as a foundation + supplemental term and accident/disability riders. Aim for 10–15× annual income in combined coverage.
Plant Operators & Gas Distribution
Natural gas and heavy machinery risks — permanent life + disability income riders recommended.
Customer Service, Dispatch & Support
Lower physical risk but family obligations remain — permanent policy for lifetime security plus term coverage during working years.
Engineers & Technical Staff
Higher incomes often need large term policies for income replacement and whole life for estate/wealth planning.
Typical Monthly Ranges (Richmond — ballpark)
Actual costs depend on age, tobacco use, health, driving record, and coverage amount. Typical client choices:
- Term: $50–$120 / month
- Permanent (Whole): $80–$160 / month
- Final-expense level plans: $1–$2 / day
I’ll run exact quotes based on your age and health to give precise pricing.
Special Options for Dominion Energy Employees
Guaranteed acceptance plans
For applicants with health issues who need immediate final-expense coverage.
No-exam policies
Simplified issue plans that avoid labs.
Riders
Disability income riders, critical illness, and accidental death riders useful for high-risk roles.
Mortgage & income protection
Policies tailored to replace wages and protect your home.
Local Expertise — Richmond Families Trust Kemper Life
I work across Henrico, Chesterfield, Southside, Short Pump, East End, Mechanicsville, Highland Springs, and Glen Allen. My approach is straightforward: no pressure, clear explanations, and local support for working-class budgets.
How to Get Started
- Complete the quick form on this page or call (804) 551-9526.
- I’ll review your role, family needs, and recommend options (term, whole, final expense, guaranteed).
- We choose the best carrier and I guide you through the application.
- Many simplified-issue policies are approved quickly — some same-week.
REQUEST YOUR QUOTE — NO OBLIGATION Schedule Local Appointment
Frequently Asked Questions
Q: Is the life insurance from Dominion enough?
A: Employer coverage is helpful but temporary. Private coverage you own protects your family long-term.
Q: What if my health changes later?
A: Locking in permanent coverage now avoids higher rates or denial later due to health conditions that often develop from utility work.
Q: Do I need an exam?
A: Many options require no exam; simplified plans ask health questions. I’ll match you to the best underwriting class.
Q: How much do I need?
A: We'll calculate coverage based on income, mortgage, debts, and education goals — many choose 10–15× income.
Ready to Protect Your Family Like You Protect Virginia?
Request a free, no-pressure quote or call (804) 551-9526. I’ll help you lock in permanent coverage while you’re still eligible.
