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Best Life Insurance Companies in Des Moines

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2023
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Absolute Insurance Agency logo
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License Verified:

License: 264422

Iowa Insurance Division

Absolute Insurance Agency

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7400 University Avenue, Clive, IA 50325
  • Life Insurance
  • Health Insurance

Business Description

Absolute Insurance Agency, LLC is an independent company that provides insurance services to residents and businesses of Des Moines and the surrounding communities. It has partnered with multiple carriers that offer a variety of insurance packages. It carries life insurance plans like whole life insurance, term life insurance, guaranteed issue, transitional, and universal life insurance plans. Additionally, it provides other insurance packages like homeowners', renter’s, condo & townhouse, car, and boat insurance programs. Absolute Insurance Agency is licensed in 18 states.

License Verified:

License: 264422

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.0 / 5 (165)
Facebook
5.0 / 5 (44)
Yelp
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Adamson Insurance & Associates logo

Adamson Insurance & Associates

1450 SW Vintage Pkwy Ste 220, Ankeny, IA 50023

Business Description

Adamson Insurance & Associates is a local and independent health insurance company near Des Moines that has been serving clients for over 20 years. The firm works with over 20 insurance carriers to provide clients with extensive options and benefits. Adamson Insurance & Associates provides comprehensive fee-for-service, HMO, and PPO health insurance plans. It also offers annual renewal and level term life insurance policies and whole life insurance policies for clients seeking more flexibility.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (8)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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BLC Insurance logo
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BLC Insurance

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10546 Justin Dr, Urbandale, IA 50322

Business Description

BLC Insurance is an insurance company that has been serving individual and commercial clients in the Des Moines area for over 80 years. The firm offers life and health insurance policies from a variety of providers. Its trained agents evaluate clients' life insurance goals and conduct comprehensive analyses to determine the amount of coverage needed. BLC Insurance also offers individual and group health insurance plans as well as long-term care and disability insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brad Van Meter - State Farm Insurance Agent logo
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License Verified:

License: 268690

Iowa Insurance Division

Brad Van Meter - State Farm Insurance Agent

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4229 Fleur Drive, Des Moines, IA 50321-2325
  • Life Insurance

Business Description

Brad Van Meter is a State Farm insurance agent who has been providing life insurance plans to clients in the Des Moines area for more than 20 years. His offering covers funeral costs, death benefits, and the future expenses of the beneficiaries, such as college tuition. Brad also handles insurance policies that provide coverage for medical costs, pets, automobiles, properties, and businesses. For those who are interested in investments, Brad offers options like mutual funds and annuities.

License Verified:

License: 268690

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Central Iowa Insurance Services logo
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Central Iowa Insurance Services

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2800 Norgard Cir Ste 100, Carlisle, IA 50047

Business Description

Central Iowa Insurance Services is an agency that serves Des Moines and nearby cities. The agency offers life, health, home, and auto insurance. It also provides farm, crop, flood, and business insurance. Its agents help clients in choosing which offer and provider suit their financial and physical circumstances best. With over 50 years of history and 20 years of service, Central Iowa Insurance Agency continues to assist clients in safeguarding their families' lives and properties.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Coffey Insurance Agency, LLC logo
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Coffey Insurance Agency, LLC

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7517 Douglas Ave Ste 11, Urbandale, IA 50322

Business Description

Founded in 2001, Coffey Insurance Agency LLC is a life insurance company near Des Moines serving individuals and businesses. The company consults with clients to help them determine the right life insurance policy for them at a price they can afford. It offers life insurance policies from a range of insurance carriers, including Progressive, Nationwide, and The IMT Group. Coffey Insurance Agency also provides health insurance policies with varying premium and deductible amounts.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Cupp Insurance logo
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Cupp Insurance

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3815 109th St Ste A, Urbandale, IA 50322

Business Description

Cupp Insurance provides life and health insurance options to individual and commercial clients in the Des Moines area. The firm offers term and permanent life insurance plans to balance clients' current budgetary needs and future financial goals. Its qualified insurance professionals also help clients obtain quotes and coverage for fee-for-service and managed health care plans. Cupp Insurance also services immediate and deferred annuities and long-term care and disability insurance plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (38)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Fidelity & Guaranty Life Insurance Company logo

License Verified:

License: 1226

Iowa Insurance Division

Fidelity & Guaranty Life Insurance Company

801 Grand Ave., Des Moines, IA 50309
  • Life Insurance

Business Description

Founded in 1959, Fidelity & Guaranty Life Insurance Company caters to individuals and families in the Des Moines metro. It aims to help clients achieve financial security through its life insurance policies. The company's personalized plans cover policyholders' retirement and nursing home care. Fidelity & Guaranty Life Insurance Company has served over 700,000 individuals across the country. Its CEO and president, Chris Blunt, has been with the firm since 2019. He brings nearly 27 years of experience in the insurance, marketing, and investment management industry.

License Verified:

License: 1226

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
3.9
Google
3.9 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Insurance Networking Systems logo

License Verified:

License: 6856001

Iowa Insurance Division

Insurance Networking Systems

3512 Ingersoll Avenue, Des Moines, IA 50312
  • Life Insurance

Business Description

Insurance Networking Systems is a company serving customers in Des Moines and the surrounding areas. The independent agency strives to provide coverage that fits the customers' situation and can accommodate policy changes 24/7. Products offered by the company include auto, home, life, and business insurance. Some of the insurance carriers Insurance Networking Systems works with include Auto-Owners Insurance, Nationwide Insurance, and Progressive. Financial services like retirement investing and distribution, estate conservation, and risk management are also available.

License Verified:

License: 6856001

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
James Walford logo
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License Verified:

License: 16809347

Iowa Insurance Division

James Walford

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3022 SE 14th Street, Des Moines, IA 50320
  • Life Insurance
  • Health Insurance

Business Description

James Walford is a State Farm insurance agent who serves the Des Moines area. He offers a variety of insurance policies to protect policyholders and their beneficiaries. One of these is life insurance, which not only gives a payout after the client passes on but can also cover living costs and future expenses. James can also help get coverage for homes, renters, and businesses. Clients looking at investment options are assisted in putting their money into the company's mutual funds and annuities.

License Verified:

License: 16809347

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (186)
Facebook
4.5 / 5 (19)
Yelp
2.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Jerry Holbrook Insurance Grimes Johnston Waukee logo
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Jerry Holbrook Insurance Grimes Johnston Waukee

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724 E 1st St, Grimes, IA 50111

Business Description

Jerry Holbrook Insurance provides life and health insurance coverage to individuals in the Des Moines area. The company identifies and recommends life insurance policies for clients to achieve their goals of securing their family's lifestyle, paying for final expenses, or making charitable donations. For clients seeking health insurance, it offers managed care policies as well as health savings accounts and short-term care coverage. Jerry Holbrook Insurance also services Medicare Supplement plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kevin Van Wyk logo

Kevin Van Wyk

413 Southwest 8th Street, Des Moines, IA 50309
  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Kevin Van Wyk is an insurance agent with State Farm that caters to clients in Des Moines and the surrounding areas. He offers various life insurance solutions, including term, whole, and universal. Select term life insurance is also offered where clients can choose between 10, 20, or 30 years of coverage. Moreover, he also provides other insurance products, such as auto, business, home, pet, and property. Kevin has been working with State Farm for over 40 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (68)
Google
5.0 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Luke Peterson Insurance logo

Luke Peterson Insurance

116 1st Ave N Ste E, Altoona, IA 50009

Business Description

Luke Peterson Insurance provides life and health insurance policies to clients in the Des Moines area. Its independent agents work with clients to help them choose the best life insurance policy for their financial needs and situation. They secure quotes from numerous insurance companies to obtain the most competitive rates possible for clients. For health insurance policies, Luke Peterson Insurance offers full and select coverage plans tailored to self-employed or under-insured clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
McCartan Insurance Group, Inc logo
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License Verified:

License: 245936

Iowa Insurance Division

McCartan Insurance Group, Inc

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640 S 50th St., Ste 2140, West Des Moines, IA 50265
  • Life Insurance

Business Description

McCartan Insurance Group, Inc. has been serving the Des Moines area since 2005. The company was established by Joel McCartan, providing life, home, auto, and business insurance. Its life insurance policy includes term and whole life coverage, designed to help individuals protect their financial future from unexpected downfalls. This policy also covers final expenses and supplies the client's family with long-term financial assistance. The company is a three-time winner of the Top Life Producer and Nationwide Life Council Award.

License Verified:

License: 245936

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (49)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Midwest Insurance Solutions logo
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Midwest Insurance Solutions

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815 Office Park Road, West Des Moines, IA 50265
  • Life Insurance

Business Description

Midwest Insurance Solutions is a Des Moines-based insurance agency, representing carriers such as AAA, Acuity, and Progressive. Since 2018, this agency has been offering various personal and commercial insurance products. One of which is life insurance, which caters to various goals such as high-limit death benefits to financially secure beneficiaries, no expiry or increasing in price, and accumulating cash value for future borrowing opportunities. To obtain such, an individual may select from term life, whole life, and permanent life.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Performance Insurance logo
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License Verified:

License: 13118960

Iowa Insurance Division

Performance Insurance

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500 New York Ave, Des Moines, IA 50313
  • Life Insurance

Business Description

Performance Insurance is an independent agency serving the Des Moines metro and the surrounding communities. It provides a selection of personal insurance products, including life policies. The company also offers auto and homeowners' insurance that includes liability, personal possession, and additional living expense coverages. Its specialists also craft coverages for restaurants, grocery stores, hotels, manufacturing companies, and entertainment and recreational facilities. Performance Insurance represents various carriers, such as Progressive, West Bend, Travelers, AAA, and Celina Insurance Group.

License Verified:

License: 13118960

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.2 / 5 (6)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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Scott Insurance Services logo
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License Verified:

License: 12246075

Iowa Insurance Division

Scott Insurance Services

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1100 Grand Avenue, West Des Moines, IA 50265
  • Life Insurance

Business Description

Since 1996, local agency Scott Insurance Services has been serving the Des Moines community. Its agents provide full guidance and advice about life insurance products, with coverage and plans for disability and long-term care. They also provide services related to personal lines insurance including auto, watercraft, condo, and renters' insurance, in addition to commercial coverage. Scott Insurance Services evaluates suitable products from numerous carriers, including EMC, Travelers, Selective, and Progressive, to match the needs and goals of its clients.

License Verified:

License: 12246075

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sears Insurance logo
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License Verified:

License: 226025

Iowa Insurance Division

Sears Insurance

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4219 161st Street, Urbandale, IA 50323
  • Health Insurance

Business Description

Sears Insurance offers insurance options for businesses and individuals in the Des Moines area. It provides both temporary and permanent life insurances to its clients. Its five types of permanent insurance are universal life, whole life, increasing whole life, limited pay, and endowment. The agency also offers insurance options for health, long-term care, dental plans, and individual disability. Debra Sears, the president of Sears Insurance, has been in the industry for over 40 years. She continues her education by attending different workshops and programs.

License Verified:

License: 226025

Iowa Insurance Division

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.0 / 5 (12)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Smith-Kenyon Insurance Resources, LLC logo
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License Verified:

License: 17418751

Iowa Insurance Division

Smith-Kenyon Insurance Resources, LLC

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6600 University Avenue, Des Moines, IA 50324
  • Life Insurance

Business Description

Smith-Kenyon Insurance Resources, LLC, is an insurance and financial solutions company in Des Moines. It offers life insurance policies and financial service options that include long-term care assistance, disability income insurance, and indexed and fixed annuities. The firm handles requests from businesses and families to develop strategies that help build financial assets. Moreover, Smith-Kenyon Insurance Resources delivers home and property insurance, commercial and business insurance, vehicle and recreational insurance, investment options, and financial solutions. Founder Tim has been an insurance professional for over 30 years.

License Verified:

License: 17418751

Iowa Insurance Division

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Insurance Station logo
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The Insurance Station

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PO Box 219 116 2nd St Se, Altoona, IA 50009

Business Description

Founded in 1993, The Insurance Station is an independent insurance agency serving clients in the Des Moines area. The firm consults with clients and helps them select the best term, whole, or permanent life insurance policies for their themselves and their families. For health insurance needs, it offers a range of standard managed care plans and long-term care options. The Insurance Station also offers Medicare Supplement plans to fill gaps in coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.3 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.