Expertise.com

2024

Last updated:

Best Life Insurance Companies in Iowa

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Iowa Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

140307Reviewed

84189Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Iowa
  • Individual Plans

Why choose this provider?

Clemon-Maki Insurance strives to provide comprehensive coverage for clients in Iowa and nearby locations. Its staff assists individuals in staying ahead of curveballs such as incurable medical conditions that can have a long-term impact on their family's finances. The team addresses an ailing client's financial security concerns through term life policies and universal life insurance. Clemon-Maki Insurance does not believe in a "one-size-fits-all" approach, which is why it tailors insurance strategies to each individual client.

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
4.8 / 5 (48)
Google
4.7 / 5 (36)

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

Website
Iowa
  • Health Insurance
  • Life Insurance

Why choose this provider?

Phillips Stafford Insurance Group caters to individuals and families in Iowa. Since 2012, it has been providing a wide selection of personal protection plans. The independent agency recommends insurance policies for preventing monetary losses in case of unexpected death. It furnishes customized term, permanent, whole, and universal life insurance policies. It also insures homes, cars, motorcycles, homes, and farms. The company represents multiple carriers, such as Safeco, Nationwide, Coventry Healthcare, BlueCross BlueShield, and State Auto.

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
4.9 / 5 (34)
Facebook
4.8 / 5 (23)

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

Website
Iowa
  • Health Insurance
  • Life Insurance

Why choose this provider?

Doubleday Insurance Agency is a family-owned and family-operated business serving the Iowa metro. It helps families and individuals obtain life insurance plans to protect them from monetary losses and secure their beneficiaries' futures in case of unexpected death. The independent agency also furnishes home, auto, and farm insurance. Its team works with multiple carriers, such as American Reliable, Aviva, Legal & General, and Foremost. Doubleday Insurance Agency has been in the industry for more than 25 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.
4.9
Google
5.0 / 5 (33)
Facebook
4.7 / 5 (31)
Yelp
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.
3.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Iowa
  • Permanent Life Insurance Policy
  • Term Life Insurance

Why choose this provider?

The Dana Company is an insurance provider in Iowa founded in 1990. The agency offers a wide selection of insurance solutions such as home, business, auto, and health and life insurance. It aims to help clients acquire a life insurance policy that fits their unique needs—be it term life insurance that provides coverage for a specific period of time or universal life insurance for lifelong coverage. The Dana Company supports various community organizations, such as Habitat for Humanity and the United Way of Central Iowa.

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

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

Website
Iowa
  • Life Insurance

Why choose this provider?

Jeff Johnson Insurance Agency is an independent company that serves customers in Iowa. It offers life insurance policies that protect bereaved families from lost income, debt, and funeral expenses in case policyholders pass on. Clients may choose from term and permanent life insurance options. The agency also provides risk management options for personal property and businesses. Principal Jeff Johnson has been in the insurance industry since 2005. His firm has been a partner of Atlas Insurance Brokers since its establishment in 2008.

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 (33)

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

Website
Iowa
  • Permanent Life Insurance Policy
  • Life Insurance

Why choose this provider?

EMC National Life is an insurance company that offers personal life insurance policies to residents in Iowa. It has a portfolio of products that includes term, universal, and whole life insurance. The agency also covers the insurance needs of employers and employees with its commercial life insurance. EMC National Life is an affiliate of EMC Insurance Companies and has been serving the state since 1962. It believes that life insurance is a means to sustain a lifestyle, get a college education, or keep people in their homes.

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

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.
1.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Iowa
  • Life Insurance

Why choose this provider?

Fortress Insurance Services works with people in Iowa and nearby areas. It guides individuals seeking to obtain life insurance policies. It sets up different plans, including universal, term, and whole life. The agency counts Travelers, MetLife, and Nationwide as part of its roster of partners. It also applies tax minimization strategies and performs legacy planning to manage clients' wealth. One of its team members, Nathan Reeder, has spent more than 20 years in the industry.

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 (15)
Yelp
5.0 / 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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Iowa
  • Life Insurance

Why choose this provider?

With seven locations throughout Central Iowa, Town & Country Insurance is a full-service independent Trusted Choice agency that has been in business since 1995. It offers a variety of life insurance policies, including term, universal, whole, and variable life insurance. These plans help cover expenses such as funeral costs, debts and mortgage payments, and estate taxes. Other products offered include health, long-term care, and property insurance. Town & Country Insurance is partnered with carriers such as Acuity, Nationwide, and North Star Mutual.

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
4.5 / 5 (33)
Facebook
4.8 / 5 (23)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Iowa
  • Life Insurance

Why choose this provider?

Knapp Tedesco Insurance is an independent agency that has been serving clients in Iowa since 1926. It offers whole and term life insurance policies. The firm's agents guide clients in choosing the kind of coverage that fits their needs. They also help business owners by providing them with a variety of commercial insurance options, such as liability and workers’ compensation insurance. The current owner and president of Knapp Tedesco Insurance, Steve Goodhue, purchased the agency in 2012.

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
4.9 / 5 (31)
Facebook
5.0 / 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

Website
Iowa
  • Life Insurance

Why choose this provider?

Shomo-Madsen Insurance caters to clients in Iowa who need life coverage plans. These policies include individual life products that support families after the insured party passes. Term, universal, and whole options are available. The team also has property insurance solutions suited for educational institutions, farms, and municipalities. Shomo-Madsen Insurance is an independent agency that operates in 20 states. It is led by Bobby Shomo, who has worked for Safeco and Allstate. He has been an insurance counselor since 2012.

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
4.8 / 5 (16)

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.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Iowa
  • Health Insurance
  • Life Insurance

Why choose this provider?

Brady Vaudt runs an insurance agency in Iowa under the banner of Allstate. He and his team work with clients seeking to purchase life insurance policies to protect themselves and their families. They assist with securing home and auto coverage plans. They also provide motorcycle, boat, property, commercial, and renters' insurance. In addition, Vaudt and his team offer financial and retirement planning services. They have been serving Grinnell, Marshalltown, Newton, Tama, and the surrounding areas since 2017.

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 (115)
Facebook
4.6 / 5 (11)

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

Website
Iowa
  • Life Insurance

Why choose this provider?

Alliance General Insurance has been catering to clients in areas within Iowa since 1982. Its portfolio of comprehensive plans includes life insurance products that provide families with financial coverage for domestic affairs, educational endeavors, and continuing business management in the wake of a relative's passing. Its agents canvass their products from different carriers and tailor each option according to a family's allotted budget and long-term goals. They are led by Jeff Eastvold, who worked alongside the agency's late founder, Dave Temple, in the early 1990s.

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 (12)

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

Website
Iowa
  • Health Insurance
  • Life Insurance

Why choose this provider?

Tim Forbes operates under the State Farm umbrella and delivers life insurance products to clients in Iowa. His options protect against unforeseen or unavoidable harm or loss, and healthcare solutions are on hand to provide for treatment concerns. Non-life and financial plans, like home loans and annuities, are also available. Tim Forbes has been with State Farm since 1988. He started his career as a claim representative before becoming an agent in 1999.

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
Google
4.8 / 5 (70)
Facebook
4.8 / 5 (21)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • 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.

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