Expertise.com Homepage

2024

Last updated:

Best Life Insurance Companies in Independence, MO

Our Recommended Top 10

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 Independence 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.

5201Reviewed

3124Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

4731 South Cochise Drive, Independence, MO 64055
WebsiteLicense: 8290892

Expertise.com Rating

Review Sources

Google
5.0 (18)
Yelp
5.0 (1)

Why choose this provider?

Wise Choices Financial, LLC, is a firm that deals with various insurance products and investments. It serves individuals, families, and businesses in the metro area of Independence. The company provides life insurance, annuities, health insurance, Medicare Supplement plans, and disability insurance. It also offers a wide range of services, such as tax-efficient income strategies, financial planning, and retirement income solutions. In addition, its founder and owner, Mark A. Squires, has been active in the industry since 2002.

  • Life Insurance

16207 East 23rd Street South, Independence, MO 64055
WebsiteLicense: 264705

Expertise.com Rating

Review Sources

Google
4.0 (42)
Facebook
5.0 (5)
Yelp
4.0 (1)

Why choose this provider?

Stacey Schell Newland is an insurance agent at State Farm who serves residents and businesses in Independence. She offers an array of risk management solutions, including life and health insurance and coverage for pets, homes, automobiles, and properties. Additionally, she provides business policies and annuities and assistance for her clients' banking needs. Newland has been with State Farm for almost 30 years and she leads a branch across Independence Audio Video. She is also licensed to operate in Kansas.

  • Life Insurance
  • Health Insurance

3500 West 75th Street, Prairie Village, KS 66208
WebsiteLicense: 9121

Expertise.com Rating

Why choose this provider?

McInnes Group is a multi-faceted marketing, benefits, and consulting firm that has been offering traditional life insurance to families and businesses in Independence and its surrounding communities since 1980. It specializes in the design, integration, and implementation of employer-sponsored plans. It provides a wide range of services that include ancillary group benefit plans, individual insurance products, employer-sponsored health care plans, retirement plan services, association plans, and financial services. The business is composed of financial service specialists.

  • Life Insurance
  • Health Insurance
  • Long Term Care

651 Northeast Woods Chapel Road, Lee's Summit, MO 64064
WebsiteLicense: 8391324

Expertise.com Rating

Review Sources

Google
5.0 (69)
Facebook
5.0 (6)

Why choose this provider?

With over 15 years on its work portfolio, Total Insurance Solutions has been providing affordable and high-quality insurance protection for the residents in Independence, Blue Springs, Lees Summit, and surrounding areas in Kansas. As an independent insurance firm, it offers a wide range of insurance where clients can choose from depending on their financial needs. The firm provides insurance plans like automobile insurance, life insurance renters' insurance, health insurance, homeowners' insurance, and flood insurance. The agency can also assist businesses through their business package and contractors' insurance.

  • Life Insurance
  • Health Insurance

2661 South Hub Drive, Independence, MO 64055
WebsiteLicense: 11390

Expertise.com Rating

Review Sources

Google
4.0 (23)
Facebook
5.0 (2)

Why choose this provider?

Jim Blau Insurance Agency, Inc., is an insurance agency that provides life insurance plans to clients in Independence. It also offers health, personal auto, and home insurance. Jim Blau Insurance Agency helps business owners in protecting their businesses with workers' compensation and business auto insurance. The founder, Jim Blau has been in the industry for more than 35 years. He used to work for an insurance company before deciding to open his own business.

  • Life Insurance

4710 South Cedar Crest Court, Independence, MO 64055
WebsiteLicense: 8008043

Expertise.com Rating

Why choose this provider?

CA Reid & Associates, LLC, is a full-service insurance brokerage serving Independence. It provides customized life insurance solutions to help families prepare for inevitable life events. Additionally, the firm arranges insurance plans to secure the client's health, disability, and long-term care needs. CA Reid & Associates is an independent broker representing a wide array of insurance carriers. The company is led by C. Alan Reid, who has over 30 years of industry experience. Reid holds CSA, CLTC, and LTCP certifications.

  • Life Insurance
  • Health Insurance
  • Long Term Care

6407 North Prospect Avenue, Gladstone, MO 64119
WebsiteLicense: 174721

Expertise.com Rating

Review Sources

Google
4.0 (42)
Facebook
5.0 (5)

Why choose this provider?

Mary Ann Surber has been working as an insurance agent at State Farm since 1996. She delivers a broad range of insurance products and services to clients in Independence. These include life, health, auto and motorcycle, home and property, business, and pet insurance. In addition, she handles banking, mutual funds, and annuities. Surber and her team are licensed in both Missouri and Kansas. They also serve Liberty, Parkville, Overland Park, and all surrounding areas. Surber is a member of the National Federation of Independent Business.

  • Life Insurance

4045 Northeast Lakewood Way, Lee's Summit, MO 64064
WebsiteLicense: 8047204

Expertise.com Rating

Review Sources

Google
5.0 (29)
Facebook
5.0 (4)

Why choose this provider?

Epic Insurance, LLC, is an independent agency providing insurance services to clients in the Independence area. It offers various insurance services, such as life insurance, health insurance, and home insurance. The agency's other insurance products include coverage for business, auto, and recreational insurance. Epic Insurance's agents have a combined experience of more than 75 years in the insurance industry. Todd Miller is the agency's life insurance specialist. He joined Epic Insurance in 2012 and has been in the industry for over 30 years.

  • Health Insurance

1129 West Kansas Street, Liberty, MO 64068
WebsiteLicense: 8333549

Expertise.com Rating

Why choose this provider?

Serving the community of Independence, Low Cost Life Insurance is an agency specializing in term life insurance. For more than 30 years, it has partnered with a diverse group of insurance providers that allows its clients to find the coverage and protection that best suits their needs and financial goals. Owner Stuart Woodbury has more than 35 years of experience and is a lifetime member of the Million Dollar Round Table, an institution of the leading life insurance producers worldwide.

  • Life Insurance

319 Southeast Douglas Street, Lee's Summit, MO 64063
WebsiteLicense: 187411

Expertise.com Rating

Review Sources

Google
4.0 (64)
Facebook
4.0 (9)

Why choose this provider?

Bruce Holiman is a State Farm insurance agent serving the Independence community. Since 1996, he has offered term, whole, and universal life insurance coverage options to individuals who want to protect their future. The policies are also available for small businesses for different purposes, such as business continuation, key employees, employee benefits, and key employee incentives. Additionally, Holiman offers auto, health, and pet insurance. Moreover, he is the president of Lee’s Summit's Beautification Commission.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Wise Choices Financial, LLC
4731 South Cochise Drive, Independence, MO 64055
Stacey Schell Newland
16207 East 23rd Street South, Independence, MO 64055
McInnes Group
3500 West 75th Street, Prairie Village, KS 66208
Total Insurance Solutions
651 Northeast Woods Chapel Road, Lee's Summit, MO 64064
Jim Blau Insurance Agency, Inc.
2661 South Hub Drive, Independence, MO 64055
CA Reid & Associates, LLC
4710 South Cedar Crest Court, Independence, MO 64055
Mary Ann Surber
6407 North Prospect Avenue, Gladstone, MO 64119
Epic Insurance, LLC
4045 Northeast Lakewood Way, Lee's Summit, MO 64064
Low Cost Life Insurance
1129 West Kansas Street, Liberty, MO 64068
Bruce Holiman
319 Southeast Douglas Street, Lee's Summit, MO 64063

FAQs

  • Can the beneficiary of your life insurance policy in Independence be changed by your will?

    No, your life insurance beneficiary cannot be changed by will in Independence. In some cases, a will can change the beneficiary of a life insurance policy. If any of your beneficiaries, including contingent beneficiaries, die before you, the life insurance benefit will be paid to your estate. In that case, the money is distributed to the beneficiaries in accordance with the terms of your will.

  • What mental health conditions may prevent you from being eligible for life insurance in Independence?

    Mental health conditions such as anxiety, depression, schizophrenia, bipolar disorder, and post-traumatic stress disorder may affect your ability to obtain life insurance in Independence. However, because each case is evaluated individually, eligibility may still vary based on a variety of factors such as previous medical history, the severity of the illness, and level of stability.

  • How can someone with high cholesterol increase their chances of acquiring life insurance in Independence?

    An individual with high cholesterol can improve their chances of getting Independence life insurance by:

    • Adhering to medical advice and using the recommended drugs to control cholesterol.
    • Controlling their cholesterol levels by making lifestyle adjustments including eating a healthy diet and exercising frequently.
    • Being truthful and thorough when describing their cholesterol levels and any relevant medical procedures when applying for a life insurance policy.
  • What are the typical grounds for denial of a death benefit claim in Independence?

    When a life insurance policyholder in Independence dies for a reason or in a manner expressly prohibited by the terms of their policy, the beneficiaries' death benefit claims may be denied. This can happen if they have not paid their life insurance premiums on time. It can also happen during the policy's contestability period.

  • How can you determine whether an Independence life insurance policy is still valid?

    To find out if a life insurance policy in Independence is still active, contact the National Association of Insurance Commissioners. By providing the legal name, Social Security number, birthdate, and date of death, you can use the NAIC Life Policy Locator to request the location of a life insurance plan or annuity for a deceased person.

  • 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.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...