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2025

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Best Life Insurance Companies in Iowa

Our Recommended Top 13

We did the research for you!

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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

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.5 (33)
Facebook
4.8 (21)

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.

  • Life Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.9 (34)
Facebook
4.8 (23)

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.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

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.

  • Life Insurance
  • Permanent Life Insurance Policy

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.8 (16)

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.

  • Life Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.8 (53)
Facebook
4.8 (50)

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.

  • Individual Plans

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
5.0 (33)

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.

  • Life Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
4.6 (19)
Yelp
5.0 (3)

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.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (4)

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.

  • Life Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.9 (31)
Facebook
5.0 (14)

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.

  • Life Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.8 (70)
Facebook
4.8 (21)
Yelp
5.0 (1)

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.

  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.7 (115)
Facebook
4.6 (11)

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.

  • Life Insurance
  • Health Insurance

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.9 (113)
Facebook
4.7 (34)

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.

  • Term Life Insurance
  • Permanent Life Insurance Policy

Best Life Insurance Companies Serving Iowa
Iowa

Expertise.com Rating

Review Sources

Google
4.8 (42)
Facebook
4.8 (20)
Yelp
5.0 (7)

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.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Town & Country Insurance
409 Second St, Iowa, IA 50595
Phillips Stafford Insurance Group
2840 104th St., Iowa, IA 50322
EMC National Life
P.O. Box 9202, Iowa, IA 50309
Shomo-Madsen Insurance
22 E. Main Street, Iowa, IA 50158
Clemon-Maki Insurance
220 1st Avenue West, Iowa, IA 50208
Jeff Johnson Insurance Agency
495 SE Alice’s Rd. Suite C, Iowa, IA 50263
Doubleday Insurance Agency
110 SE Grant Street, Ste 203, Iowa, IA 50021
Alliance General Insurance
415 South Duff Ave., Suite B, Iowa, IA 50010
Knapp Tedesco Insurance
627 Main Street, Iowa, IA 50010
Tim Forbes
325 8th Street SE, Iowa, IA 50009
Brady Vaudt
2007 S. Center St. Ste. B, Iowa, IA 50158
The Dana Company
12345 University Avenue Suite 300, Iowa, IA 50325
Fortress Insurance Services
2894 - 106th Street, Suite 120, Iowa, IA 50322

Iowa Life Insurance FAQs

  • Is there a grace period for overdue life insurance premiums in Iowa?

    Yes, Iowa Administrative Code 191-33.4 (3)(b) requires life insurance companies to provide a 31-day grace period if a premium is not paid on time. The grace period will begin on the due date of the premium. If you pay the unpaid premium within this time frame, the value of your policy will not change.

  • What happens if the life insurance beneficiary passes away before the insured in Iowa?

    If the insured named a contingent or secondary beneficiary, the death benefit is payable to that person. If there are no other beneficiaries or if all of the beneficiaries have died, the insurance proceeds will be paid to the policyholder's estate and will be probated in Iowa. It is critical to keep a policy's beneficiary list up to date in order for the proceeds to be distributed as intended.

  • Is there a free look period for life insurance policyholders in Iowa?

    Yes, life insurance policyholders in Iowa have a 10-day free-look period from the date of purchase. If you change your mind, you can return the policy to the insurance company and have it canceled. If you have paid your premiums in advance, the life insurance company will fully refund them.

  • What if you are unable to locate your deceased loved one's life insurance policy in Iowa?

    You can send a request for assistance through the National Association of Insurance Commissioners' (NAIC) Life Insurance Policy Locator at https://eapps.naic.org/life-policy-locator/#/welcome. After receiving your request, NAIC will work with insurance companies in Iowa to find a policy in your loved one's name. If you are a designated beneficiary, insurance companies that have a policy on the deceased should respond to you with the policy information.

  • How long does a life insurance claim process take in Iowa?

    Life insurance companies in Iowa are generally required to pay the death benefit within 60 days of receiving proof of death. If insurance proceeds are not paid within 30 days, the insurance company is required to pay interest on the proceeds. The interest will begin to accrue on the date proof of death is received.

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