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2024

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Best Life Insurance Companies in Fort Smith, AR

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Fort Smith 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.

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10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

423 Rogers Avenue STE 202A, Fort Smith, AR 72901

Expertise.com Rating

Why choose this provider?

The Pride Insurance Agency is an independent full-service insurance agency based in Fort Smith. The agency offers an array of life insurance plans that cover different contingencies. Its term life insurance plans cover a period of 10 to 30 years and can be purchased without a physical exam, while its universal life insurance plans are permanent and can be used as supplemental retirement funds. The agency also offers a final expense plan, as well as disability and health insurance.

5200 Rye Hill Road East, Fort Smith, AR 72918

Expertise.com Rating

Review Sources

Google
4.0 (11)

Why choose this provider?

Farm Bureau Insurance is a risk management agency that serves the Fort Smith area. Included in its line of products is life insurance which covers term life policies. Its team of agents can furnish 20- or 30-year term premier plans depending on clients' preferences. They are local insurance professionals who reside in the area. Farm Bureau Insurance, which has been in service for over seven decades, holds community outreach programs in partnership with local organizations like the Arkansas Food Bank.

1035 U.S. 71, Alma, AR 72921
WebsiteLicense: 100112673

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Review Sources

Google
4.0 (20)
Facebook
5.0 (3)

Why choose this provider?

Sangster Insurance is an independent insurance agency serving clients in the Fort Smith area since 1981. Its individual life insurance policies include term and whole as well as burial and final expense. It offers a wide range of personal insurance policies, including auto, watercraft, SR 22, and flood insurance. Homeowners, motor homes, and condo insurance are also offered. It also provides business and commercial insurance coverage for apartment buildings, agribusiness, farms, and ranches, business owners policy, and builders risk.

  • Life Insurance

7320 Rogers Avenue, Fort Smith, AR 72903

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Review Sources

Google
4.0 (23)
Facebook
4.5 (15)

Why choose this provider?

Kohler & Green Insurance, which is located in Fort Smith, is a team of independent agents with over 60 years of collective industry experience. One of the policies they furnish is life insurance which provides protection for a certain number of years although the risk management specialists also create plans that offer lifelong protection. Progressive and Travelers are some of the carriers they work with. Kenny Kohler, the agency's owner, is a Fort Smith native with nearly 30 years of industry experience.

8 Town Square Street, Greenwood, AR 72936
WebsiteLicense: 100111426

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Osborn Agency is an independent insurance agency near Fort Smith. One of their leaders is Theresa Burtchett, a manager and senior agent at the firm who has been in the field since 1988. She is a recognized member of the Society of Certified Insurance Counselors for 15 years. The group of professionals at Osborn Agency specializes in life insurance, individual annuities, dental insurance, vision insurance, long-term care insurance, and retirement planning. Moreover, they also accept clients looking for assistance in individual and group health insurance.

  • Life Insurance
  • Health Insurance
  • Long Term Care

19 Pointer Trail, Van Buren, AR 72956
WebsiteLicense: 100108266

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Review Sources

Facebook
5.0 (12)
Google
4.0 (8)

Why choose this provider?

Inge Independent Insurance provides a wide range of insurance options through different carriers to clients in the Fort Smith area. It offers term, universal, and whole life insurance policies, as well as coverage for burial and final expense. Other personal insurance options are available, such as auto, boat, collector car, and motorcycle insurance. Moreover, it handles homeowners', condo, and renters' insurance. Inge Independent Insurance also offers a wide variety of business and commercial insurance options.

  • Life Insurance

1120 Garrison Avenue, Fort Smith, AR 72901

Expertise.com Rating

Review Sources

Google
4.0 (22)

Why choose this provider?

Cross Pointe Insurance Advisors is an independent agency servicing Fort Smith and surrounding communities since 1889. It partners with different insurance companies to provide a wide range of life insurance coverage options to individuals. Policies can be used for various purposes like the source of savings, income for dependents, inheritance, and making a charitable contribution. The agency also provides a variety of personal insurance solutions for flood, auto, long-term care, and health. Business owners can also choose from a list of commercial lines of insurance.

2215 North Reynolds Road, Fort Smith, AR 72022
WebsiteLicense: 2000144902

Expertise.com Rating

Why choose this provider?

Established in 1938, Farmers Union Mutual Insurance Company (FUMIC) caters to residents of Fort Smith and its surrounding areas. It offers different life insurance policies, from term-life contracts to whole-life plans. It also provides additional coverages for final expenses, death benefits, and indexed accounts. FUMIC can process the paperwork for life insurance claims or policy changes, such as beneficiary changes or lowered durations. Its parent company, Farmers Union, was originally founded in 1904 to protect farmers from natural disasters and the loss of crops.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

109 North 6th Street, Fort Smith, AR 72901

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Foundation Life Insurance Company of Arkansas offers insurance services to individuals, automobile dealers, funeral homes, and banks in Fort Smith. It provides term life insurance, credit life insurance, group mortgage term life insurance, and final expense insurance. The company also offers other service options such as guaranteed asset protection and extended auto warranty. Foundation Life Insurance Company of Arkansas was established by Robbie Westphal in 1959. Its current president, Bennie Westphal, puts a strong focus on doing the right thing every time.

  • Term Life Insurance
  • Life Insurance

1001 North 44th Street, Fort Smith, AR 72904

Expertise.com Rating

Review Sources

Google
5.0 (121)
Facebook
5.0 (25)

Why choose this provider?

Dustin Booth is an insurance agent that confers with clients in Fort Smith regarding their life insurance needs. He particularly helps clients in obtaining whole, universal, and term life insurance. Additionally, Booth and his team of experts work to help customers gain coverage for auto vehicles, homes, and businesses. They likewise offer mortgage products and auto refinancing as part of their financial services. Booth's team is comprised of bilingual speakers who serve the Spanish community.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
The Pride Insurance Agency
423 Rogers Avenue STE 202A, Fort Smith, AR 72901
Farm Bureau Insurance
5200 Rye Hill Road East, Fort Smith, AR 72918
Sangster Insurance
1035 U.S. 71, Alma, AR 72921
Kohler & Green Insurance - Fort Smith
7320 Rogers Avenue, Fort Smith, AR 72903
Osborn Insurance
8 Town Square Street, Greenwood, AR 72936
Inge Independent Insurance
19 Pointer Trail, Van Buren, AR 72956
Cross Pointe Insurance Advisors
1120 Garrison Avenue, Fort Smith, AR 72901
Farmers Union Insurance
2215 North Reynolds Road, Fort Smith, AR 72022
Foundation Life Insurance Company of Arkansas
109 North 6th Street, Fort Smith, AR 72901
Dustin Booth
1001 North 44th Street, Fort Smith, AR 72904

FAQs

  • Can someone who chews tobacco purchase life insurance in Fort Smith?

    Yes, Fort Smith residents who chew tobacco can obtain life insurance; however, their rates will be higher than non-chewers. Because tobacco use is regarded as a known health risk in the field of life insurance, it immediately raises the risk that the insurer assumes by offering the individual a policy. When applying for life insurance, it is critical to be truthful about your smoking habits because lying could result in the policy being canceled.

  • Which individual should a policyholder of a life insurance plan in Fort Smith select as their beneficiary?

    A Fort Smith life insurance policyholder should name a beneficiary who has an insurable interest in their life. A beneficiary has an insurable interest if they stand to lose money as a result of the insured's death. Spouses, fiances, parents, divorced spouses, legal guardians with permanent custody, siblings, children, grandparents, and business partners are all examples of those with insurable interests.

  • What can you do if you currently have a permanent whole life insurance policy in Fort Smith but no longer want to make premium payments?

    If you have a Fort Smith permanent whole life insurance policy and are tired of paying the premiums, you have two options: surrender the policy or use the accrued cash value to convert the policy to a lower paid-up insurance coverage. As a result, your death benefit will be reduced, but your insurance will continue to be active. Furthermore, when you convert to reduced paid-up insurance, the death benefit will be the same as the cash value.

  • Are life insurance payouts in Fort Smith liable to estate tax?

    No, life insurance payouts are typically exempt from estate taxes in Fort Smith, particularly if the policy is properly structured. When the insurance is owned by the insured but is not included in the insured's estate, the death benefit is typically paid directly to the designated beneficiary. However, the proceeds may be subject to estate taxes if the insured is also the policy's owner.

  • What is the primary benefit of life insurance riders in Fort Smith?

    The main benefit of Fort Smith life insurance riders is the ability to customize coverage to meet specific needs. By adding riders, you can tailor the insurance to your specific needs and obtain complete coverage. It eliminates the need for multiple life insurance policies. However, one potential consequence of adding riders is an increase in cost, which may make the policy less affordable.

  • 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.

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