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2024

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Best Life Insurance Companies in Des Moines, IA

Our Recommended Top 19

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Our goal is to connect people with the best local professionals. We scored Des Moines 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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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

815 Office Park Road, West Des Moines, IA 50265

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (3)

Why choose this provider?

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.

  • Life Insurance

1100 Grand Avenue, West Des Moines, IA 50265
WebsiteLicense: 12246075

Expertise.com Rating

Review Sources

Google
5.0 (10)

Why choose this provider?

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.

  • Life Insurance

500 New York Ave, Des Moines, IA 50313
WebsiteLicense: 13118960

Expertise.com Rating

Review Sources

Google
4.2 (6)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

10546 Justin Dr, Urbandale, IA 50322

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Review Sources

Google
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

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.

2800 Norgard Cir Ste 100, Carlisle, IA 50047

Expertise.com Rating

Review Sources

Google
4.6 (14)

Why choose this provider?

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.

7400 University Avenue, Clive, IA 50325
WebsiteLicense: 264422

Expertise.com Rating

Review Sources

Google
4.0 (165)
Facebook
5.0 (44)
Yelp
5.0 (4)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

640 S 50th St., Ste 2140, West Des Moines, IA 50265
WebsiteLicense: 245936

Expertise.com Rating

Review Sources

Google
5.0 (55)
Facebook
5.0 (3)

Why choose this provider?

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.

  • Life Insurance

413 Southwest 8th Street, Des Moines, IA 50309

Expertise.com Rating

Review Sources

Facebook
5.0 (68)
Google
5.0 (17)

Why choose this provider?

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.

  • Life Insurance
  • Whole Life Insurance
  • Term Life Insurance

6600 University Avenue, Des Moines, IA 50324
WebsiteLicense: 17418751

Expertise.com Rating

Why choose this provider?

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.

  • Life Insurance

1450 SW Vintage Pkwy Ste 220, Ankeny, IA 50023

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Yelp
5.0 (1)

Why choose this provider?

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.

4229 Fleur Drive, Des Moines, IA 50321-2325
WebsiteLicense: 268690

Expertise.com Rating

Review Sources

Google
4.7 (54)
Facebook
1.0 (1)

Why choose this provider?

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.

  • Life Insurance

4219 161st Street, Urbandale, IA 50323
WebsiteLicense: 226025

Expertise.com Rating

Review Sources

Google
4.0 (12)
Facebook
5.0 (5)

Why choose this provider?

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.

  • Health Insurance

3022 SE 14th Street, Des Moines, IA 50320
WebsiteLicense: 16809347

Expertise.com Rating

Review Sources

Google
4.7 (214)
Facebook
4.6 (26)
Yelp
2.5 (2)

Why choose this provider?

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.

  • Life Insurance
  • Health Insurance

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

Expertise.com Rating

Review Sources

Google
4.3 (7)

Why choose this provider?

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.

724 E 1st St, Grimes, IA 50111

Expertise.com Rating

Review Sources

Google
5.0 (28)

Why choose this provider?

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.

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

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

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.

3512 Ingersoll Avenue, Des Moines, IA 50312
WebsiteLicense: 6856001

Expertise.com Rating

Review Sources

Google
5.0 (45)
Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

7517 Douglas Ave Ste 11, Urbandale, IA 50322

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

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.

3815 109th St Ste A, Urbandale, IA 50322

Expertise.com Rating

Review Sources

Google
4.8 (38)
Yelp
1.0 (1)

Why choose this provider?

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.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Midwest Insurance Solutions
815 Office Park Road, West Des Moines, IA 50265
Scott Insurance Services
1100 Grand Avenue, West Des Moines, IA 50265
Performance Insurance
500 New York Ave, Des Moines, IA 50313
BLC Insurance
10546 Justin Dr, Urbandale, IA 50322
Central Iowa Insurance Services
2800 Norgard Cir Ste 100, Carlisle, IA 50047
Absolute Insurance Agency
7400 University Avenue, Clive, IA 50325
McCartan Insurance Group, Inc
640 S 50th St., Ste 2140, West Des Moines, IA 50265
Kevin Van Wyk
413 Southwest 8th Street, Des Moines, IA 50309
Smith-Kenyon Insurance Resources, LLC
6600 University Avenue, Des Moines, IA 50324
Adamson Insurance & Associates
1450 SW Vintage Pkwy Ste 220, Ankeny, IA 50023
Brad Van Meter - State Farm Insurance Agent
4229 Fleur Drive, Des Moines, IA 50321-2325
Sears Insurance
4219 161st Street, Urbandale, IA 50323
James Walford
3022 SE 14th Street, Des Moines, IA 50320
The Insurance Station
PO Box 219 116 2nd St Se, Altoona, IA 50009
Jerry Holbrook Insurance Grimes Johnston Waukee
724 E 1st St, Grimes, IA 50111
Luke Peterson Insurance
116 1st Ave N Ste E, Altoona, IA 50009
Insurance Networking Systems
3512 Ingersoll Avenue, Des Moines, IA 50312
Coffey Insurance Agency, LLC
7517 Douglas Ave Ste 11, Urbandale, IA 50322
Cupp Insurance
3815 109th St Ste A, Urbandale, IA 50322

FAQs

  • What is term life insurance in Des Moines?

    Term life insurance in Des Moines provides protection for a predetermined period of time and is often less expensive than whole life insurance. It has stable premiums and is available in a variety of terms, from one year (annual renewable term) to 20 years (level term). Term life insurance can also be converted to permanent coverage, allowing you to adjust as your circumstances evolve.

  • What are the reasons for buying life insurance for children in Des Moines?

    You should consider purchasing life insurance for children in Des Moines to:

    • Ensure a child's insurance eligibility and financial stability with unalterable coverage despite future health concerns.
    • Build tax-free cash value for borrowing over the policy's duration.
    • Secure lifelong affordable premiums by locking in childhood rates.
    • Offer a timeless gift to commemorate a significant milestone in a beloved child or grandchild's life.
  • What is the cost of life insurance in Des Moines?

    The cost of life insurance in Des Moines can vary significantly due to various factors. Insurance companies use a rating method to determine the coverage amount for your policy, considering your age, occupation, general health, and more. Premiums may begin at $15 per month for a young, non-smoking female but can exceed $1,000 per month for a middle-aged male who smokes.

  • Does life insurance incur taxes in Des Moines?

    Typically, life insurance payouts in Des Moines are tax-free when directed to a named beneficiary like your children or spouse. However, if you designate your estate as the beneficiary, the proceeds might become taxable. In such cases, the proceeds are considered a part of your estate and may be taxed.

  • When should you consider obtaining life insurance in Des Moines?

    As soon as you conclude that acquiring life insurance in Des Moines is advantageous for you or your family, make the purchase. Delaying the purchase incurs increased expenses due to rising premiums as you age. Qualifying for life insurance is also easier when you're still young and healthy. Additionally, purchasing life insurance is a good idea whenever you go through a life event that affects your financial responsibilities, like getting married or having a child.

  • 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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