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Best Life Insurance Companies in Columbia, MO

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 Columbia 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.

4473Reviewed

2689Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

200 Southampton Drive, Columbia, MO 65203
WebsiteLicense: 148299

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
5.0 (1)

Why choose this provider?

TIG Advisors collaborates with clients from Columbia to find suitable life insurance policies from multiple providers. As an independent insurance agency existing for more than a century, the team of agents is equipped to lead individuals and groups toward financial security through long-term care, mortgage protection, and disability protection. The company has been praised by clients for its flexibility to their changing needs and consistent strategic analysis of the insurance market.

  • Life Insurance
  • Health Insurance
  • Individual Plans

29 North 10th Street, Columbia, MO 65201

Expertise.com Rating

Review Sources

Google
4.0 (89)

Why choose this provider?

Vogel Insurance Group is an independent and locally owned insurance company that serves residential and commercial clients in Columbia and the surrounding areas. It offers a variety of insurance products, including life and health, home, and specialty insurance coverage. The company is managed by a group of professional insurance specialists able to assess and provide clients with recommendations for choosing suitable insurance coverage. Vogel Insurance Group also offers other lines of insurance, such as business catastrophe and criminal liability coverage. 

  • Individual Plans
  • Group Plans
  • Long Term Care

116 North Garth Avenue, Columbia, MO 65203
WebsiteLicense: 8011207

Expertise.com Rating

Review Sources

Google
4.0 (19)
Facebook
4.0 (6)

Why choose this provider?

Kasmann Insurance Agency is a locally owned insurance service provider that has been serving individuals and businesses throughout Columbia and its neighboring communities since 1923. This agency offers various types of life insurance plans, including permanent life, term life, single-pay whole life, and 10-pay whole life insurance policies. In addition, it provides children's whole life and universal life insurance plans. As an independent agency, it represents various insurance carriers in the market to provide clients a wide selection of coverage.

  • Life Insurance

2500 West Ash Street, Columbia, MO 65203
WebsiteLicense: 204743

Expertise.com Rating

Review Sources

Google
5.0 (25)
Facebook
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

Meera White is a State Farm insurance agent serving customers located in the Columbia community and its surrounding areas. She provides a variety of policy options like life, health, hospital income, and Medicare Supplement insurance. Moreover, White offers coverage for cars, homes, properties, pets, and businesses. She also assists her clients with their annuity, mutual fund, and banking needs. White began her insurance career in 2002 as a team member working under a State Farm agent.

  • Life Insurance
  • Health Insurance

30 East Southampton Drive, Columbia, MO 65203
WebsiteLicense: 8347795

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Google
4.0 (5)

Why choose this provider?

Centennial Insurance Agency is an independent company that has been serving Columbia for over 24 years. It helps individuals and families shop for life and disability insurance policies to financially protect the clients' future. The company works with carriers such as Safeco Insurance, National General, and United Healthcare to offer products and services across a wide array of personal and business insurance lines. Managing member Jim French is an insurance professional who has more than 47 years of experience in the industry.

  • Life Insurance
  • Health Insurance
  • Group Plans

1604b Business Loop 70 West, Columbia, MO 65202
WebsiteLicense: 8483322

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Insurance Plus is a full-service independent insurance agency that caters to businesses, families, and individuals in Columbia and the surrounding communities. It has partnered with several providers to offer term life and whole life insurance policies. It also carries mobile and manufactured home, specialty dwelling, recreational vehicle, motorcycle, pet health, and homeowners' insurance products. Furthermore, commercial insurance options, which include workers' compensation, builders' risk, business interruption, business property, general liability, and employment practices liability insurance, are available.

  • Life Insurance

701 South Country Club Drive, Jefferson City, MO 65109
WebsiteLicense: 8010251

Expertise.com Rating

Why choose this provider?

Missouri Farm Bureau Insurance is a company offering life insurance options to meet the specific needs of families in Columbia and the surrounding areas. Its life insurance products include term life insurance and whole life insurance. It also offers annuities including traditional IRA and Roth IRA, as well as beneficiary and claims assistance. Missouri Farm Bureau Insurance has an agent locator tool on its website to help clients find an available agent in their location.

  • Life Insurance

1517 Chapel Hill Road, Columbia, MO 65203
WebsiteLicense: 8025120

Expertise.com Rating

Review Sources

Google
5.0 (78)
Yelp
5.0 (2)

Why choose this provider?

Walker-Winter Insurance is a full-service insurance firm serving clients in Columbia and nearby areas. The company provides all types of personal and business insurance, including life insurance. Its insurance advisors represent 10 regional and national carriers that can offer term life and whole life policies. The company's life insurance offerings can cover a variety of purposes, including final expenses, estate taxes, inheritance, and charitable donations. The company is a second-generation agency that was founded in 1999.

  • Life Insurance

3215 South Providence Road, Columbia, MO 65203
WebsiteLicense: 221197

Expertise.com Rating

Review Sources

Google
4.0 (56)
Facebook
5.0 (4)
Yelp
5.0 (3)

Why choose this provider?

Cheryl Kelly is a life insurance agent serving clients in the Columbia area. Kelly has been an agent for more than 36 years, providing clients with the insurance coverage that fits their needs. She offers a wide range of products, including life, health, home, auto, and pet insurance. Kelly also provides options for annuities and banking services. In her free time, Kelly enjoys traveling, boating, and spending time at her family's seasonal home at the Lake of the Ozarks.

  • Life Insurance
  • Health Insurance

33 East Broadway, Columbia, MO 65203
WebsiteLicense: 2244

Expertise.com Rating

Review Sources

Facebook
4.0 (28)
Google
5.0 (4)

Why choose this provider?

Gallaher Insurance Group assists individuals, families, and business owners in Columbia with life insurance services. This independent agency consists of over 30 insurance agents experienced in providing term, universal, and whole life insurance policies. They also offer employee benefits options, such as group life, group health, dental, vision, and accident insurance plans. Moreover, they have access to regional and national carriers, including Foremost Insurance Group, Liberty Mutual, and The Hartford. The agency also helps its clients secure other personal and business insurance products.

  • Life Insurance
  • Health Insurance

3809 South Providence Road, Columbia, MO 65203
WebsiteLicense: 8021583

Expertise.com Rating

Review Sources

Facebook
5.0 (9)

Why choose this provider?

The Insurance Shop is an insurance service provider that serves clients throughout Columbia and its neighboring areas. Representing over 40 insurance carriers, the agency provides comprehensive business and personal insurance products. Its team of agents offers life insurance policies, health insurance, long-term care insurance, and disability insurance plans from multiple companies. This online commercial insurance agency is licensed to provide services throughout the 50 states. Walt Capell, the company founder, established The Insurance Shop in 2005.

  • Life Insurance
  • Health Insurance

1517 Chapel Hill Road, Columbia, MO 65203
WebsiteLicense: 8345039

Expertise.com Rating

Review Sources

Google
5.0 (16)

Why choose this provider?

Iris Kanina is a Columbia-based agent at Farmers Insurance, providing life insurance policies to individuals and groups. She has over nine years of experience and caters to diverse clients, ranging from incoming retirees to new parents. Iris explains the different coverages under life insurance plans, such as term-life contracts and whole-life plans. She also handles after-hour and weekend appointments to review and customize policies. Her other insurance products include home insurance, auto insurance, and umbrella policies.

  • Life Insurance

2900 Falling Leaf Lane, Columbia, MO 65201
WebsiteLicense: 8048462

Expertise.com Rating

Review Sources

Google
4.0 (58)
Facebook
5.0 (12)

Why choose this provider?

Justin Hahn is an insurance agent who has been working with State Farm since 2014. He serves clients in Columbia and offers whole, term, and universal life insurance plans. He also handles health, auto, homeowners', renters', and business insurance, as well as mutual funds, annuities, and banking solutions. Justin has been a Chairman's Circle Qualifier and an Ambassador Travel Qualifier at State Farm. Additionally, he was awarded the Northeast Missouri Territory Agent of the Year in 2016.

  • Life Insurance
  • Health Insurance
  • Individual Plans

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
TIG Advisors
200 Southampton Drive, Columbia, MO 65203
Vogel Insurance Group
29 North 10th Street, Columbia, MO 65201
Kasmann Insurance Agency
116 North Garth Avenue, Columbia, MO 65203
Meera White
2500 West Ash Street, Columbia, MO 65203
Centennial Insurance Agency
30 East Southampton Drive, Columbia, MO 65203
Insurance Plus
1604b Business Loop 70 West, Columbia, MO 65202
Missouri Farm Bureau Insurance
701 South Country Club Drive, Jefferson City, MO 65109
Walker-Winter Insurance
1517 Chapel Hill Road, Columbia, MO 65203
Cheryl Kelly
3215 South Providence Road, Columbia, MO 65203
Gallaher Insurance Group
33 East Broadway, Columbia, MO 65203
The Insurance Shop
3809 South Providence Road, Columbia, MO 65203
Iris Kanina
1517 Chapel Hill Road, Columbia, MO 65203
Justin Hahn
2900 Falling Leaf Lane, Columbia, MO 65201

FAQs

  • In Columbia, why should an individual take out a life insurance policy sooner rather than later?

    It is cheaper in Columbia for an individual to take out a life insurance policy sooner rather than later because the cost of insurance goes up the older a person becomes. Insurers will charge older individuals more in terms of premiums because of the higher chance of death or disability.

  • Besides age, what factors determine the cost of life insurance in Columbia?

    Besides age, life insurance costs in Columbia are determined by the kind of plan chosen, with whole life costing more than term life. Factors like gender are taken into account, and insurers also determine if the insured has any high-risk hobbies like skydiving. The higher the odds of an untimely death, the more expensive coverage becomes.

  • Is it possible in Columbia to get whole life insurance without having to pay premiums for one's entire life?

    Yes, it is possible in Columbia to get whole-life insurance without paying premiums for one's whole life. Some plans allow a person to make limited yet more expensive payments in exchange for lifelong protection. There are also options for paying a single lump sum, though the premium can get very pricey.

  • How much life insurance coverage should be purchased by residents of Columbia?

    Residents of Columbia who wish to purchase life insurance coverage may determine the amount they need by seeing how much their expenses are versus how much they see themselves making before they die. The difference between the projected costs and income could be covered by a life insurance plan.

  • When is a term life insurance plan in Columbia preferable to whole life options?

    Residents of Columbia may only need a specific portion of their lives covered by life insurance and in these times term life policies are better. It would be wasteful to get a whole life policy if the goal is only to cover a child's college years or to see a spouse get that master's degree.

  • 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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