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Best Life Insurance Companies in Kansas City, MO

Our Recommended Top 19

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Kansas City 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.

20016Reviewed

12017Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Kansas City, MO

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

Virtuous Insurance Planning is an all-inclusive independent insurance broker agency in Kansas City. With a focus on life and health insurance products, the company helps its clients prepare for unexpected events such as death or illness. Its insurance offerings include all types of life insurance, Medicare, affordable care act, private medical policies, and group insurance policies for employers of varying sizes. Other shopped categories include dental, vision, travel insurance, home, and auto insurances. They shop the top 50 carriers to always find the most competitive rates and services with an A or A + rated carrier. This broker agency comes highly recommended by many in the Kansas City area.

9601 Northeast Barry Road, Kansas City, MO 64158
WebsiteLicense: 8077395

Expertise.com Rating

Review Sources

Google
4.0 (73)
Facebook
5.0 (9)

Why choose this provider?

Prime Insurance is an independent insurance agency in Kansas City that assists individuals seeking life insurance plans. Its agents strive to shop for rates from reliable providers in the market, including Kemper Insurance, Safeco Insurance, and Progressive Corporation. They are knowledgeable about various insurance products and are dedicated to providing sound financial advice for matters like charitable donations or inheritances. The professionals at Prime Insurance have been praised for their dedication to helping clients find suitable rates for their budgets.

  • Life Insurance

2103 Swift Street, Kansas City, MO 64116
WebsiteLicense: 8429797

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
3.7 (3)

Why choose this provider?

In the Game Insurance Services, Inc., is a company that serves clients in Kansas City. It offers personalized life insurance policies that help protect customers and their loved ones from unexpected financial circumstances in the future. The company also offers risk protection policies for homes, automobiles, and business properties. In the Game Insurance features a health care sharing program called Medi-Share, in which Christians donate funds to pay each other's hospital bills. Its president, Chris Cooper, has been in the industry for over 20 years.

  • Life Insurance

9233 Ward Parkway, Kansas City, MO 64112
WebsiteLicense: 8313090

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (12)

Why choose this provider?

Nestel Insurance Agency LLC has been offering a variety of insurance products in Kansas City for more than two decades. The insurance products the full-service insurance agency offers include life, personal liability, home, and commercial insurance. Its life insurance products cover personal life insurance, universal life insurance, whole life insurance, and term life insurance. Nestel Insurance Agency also focuses on building strong relationships with its clients and aims to answer all their questions about the insurance industry.

  • Life Insurance

3406 Broadway Blvd A, Kansas City, MO 64111
WebsiteLicense: 291114

Expertise.com Rating

Review Sources

Google
4.3 (49)

Why choose this provider?

For over two decades, Safeway Insurance Agency has been providing standard and customized life insurance policies to the residents of Kansas City. It compares the quotes of multiple insurance carriers, such as Traders and Kemper Insurance, for their yearly rates and total coverage values. The agents from the company then modify life insurance policies to cover short-term concerns, long-term care needs, and permanent benefits. In addition, Safeway Insurance Agency provides policies that cover SR-22s, commercial fleets, and the tenants of rental properties.

  • Life Insurance

200 N Jefferson St, Kearney, MO 64060

Expertise.com Rating

Review Sources

Facebook
4.9 (37)
Yelp
5.0 (22)

Why choose this provider?

Baldwin Insurance Agency has been serving clients in the Kansas City metropolitan area for more than 20 years. This family-owned and operated agency works with top insurance providers to sell life and health insurance policies. Its life insurance options include term and permanent/whole life insurance. Supplemental coverage options, such as long-term disability and long-term care insurance are available as well. Baldwin Insurance Agency's providers include Progressive, Travelers, and Liberty Mutual.

520 W. Pennway, Kansas City, MO 64108
WebsiteLicense: 8070287

Expertise.com Rating

Review Sources

Google
5.0 (56)
Facebook
5.0 (26)
Yelp
3.7 (3)

Why choose this provider?

Brush Creek Partners is a Kansas City insurance company that provides life insurance policies. It examines quotes and coverages from over 20 different carriers for term-life, permanent, and other life insurance plans. The company can modify new or existing policies to cover inheritances, medical bills, and mortgage payments. In addition, Brush Creek Partners consults with attorneys and estate professionals to review each policy. Outside its insurance services to the community, the company is a partner of the PGA tour.

  • Term Life Insurance
  • Long Term Care
  • Permanent Life Insurance Policy

712 Main Street, Blue Springs, MO 64015
WebsiteLicense: 222625

Expertise.com Rating

Review Sources

Facebook
5.0 (17)

Why choose this provider?

Bob Watson is a State Farm insurance agent taking care of the insurance needs of individuals, families, and businesses in Kansas City and beyond since 1974. He offers a vast range of insurance products, such as life insurance. The life insurance options available are term life insurance, whole life insurance, universal life insurance, and life insurance for small businesses. Aside from helping his clients choose the best insurance option, Bob also assists with policy or beneficiary changes and insurance claims.

  • Life Insurance
  • Health Insurance

2661 S Hub Dr, Independence, MO 64055

Expertise.com Rating

Review Sources

Yelp
5.0 (22)
Facebook
5.0 (3)

Why choose this provider?

Jim Blau Insurance Agency has been serving clients for more than 35 years. This independent life insurance company near Kansas City works with providers such as Safeco, Travelers, and Progressive to provide its clients with reliable, comprehensive life insurance policies that help them financially care for their loved ones after they've passed away. In addition to life insurance, this agency offers commercial and personal policies to protect clients' homes, vehicles, and businesses.

1201 NW North Ridge Dr Ste B, Blue Springs, MO 64015

Expertise.com Rating

Review Sources

Facebook
5.0 (40)
Yelp
4.0 (22)

Why choose this provider?

Team Insurance serves clients in Kansas City and throughout its surrounding areas. The company specializes in selling several types of personal insurance, including life insurance. Its products include term, whole, and universal life insurance, as well as long-term care and disability insurance. Other coverage options include home and auto insurance policies. Team Insurance works with a variety of top insurance providers across the company, including Barton Mutual Insurance Company and Foremost Insurance Group.

1218 S Noland Rd, Independence, MO 64055

Expertise.com Rating

Why choose this provider?

For more than 15 years, Protection Insurance Agency, a life insurance agency near Kansas City, has been helping its clients access reliable life and health insurance products from top providers. The company serves both personal and commercial clients and is focused on helping those it works for access products that suit their needs and budget while helping them prepare for any incident life may throw at them. Other insurance products include home, auto, and business coverage.

927 NW Vesper St, Blue Springs, MO 64015

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

The Millay Group Inc. is an insurance agency that has more than 30 years of experience serving clients in the Kansas City area. The company specializes in life insurance and provides products such as whole, term, and universal life insurance policies. Its team is dedicated to working one-on-one with its clients to help them find a policy that provides the best coverage to suit their needs. Providers include Prudential and Legal & General America.

1100 Walnut Street Suite 3000, Kansas City, MO 64106
WebsiteLicense: 8309875

Expertise.com Rating

Review Sources

Google
5.0 (43)
Facebook
5.0 (15)

Why choose this provider?

Walnut Risk Management is an employee-owned company that provides insurance solutions to individuals and businesses in and around Kansas City. As a full-service insurance brokerage, it provides a wide variety of products, including life, automobile, home, and farm insurance policies. Insurance programs for businesses and specific industries are among its other products. The company also provides claims management and risk control services. Walnut Risk Management gives back to the community through organizations such as Lead to Read and Harvester's Community Food Network.

  • Life Insurance

38 Westwoods Dr Ste C, Liberty, MO 64068

Expertise.com Rating

Review Sources

Yelp
4.0 (22)
Facebook
4.8 (4)

Why choose this provider?

Northland Wood Insurance was founded in 2015. This independently owned and operated life insurance agency near Kansas City serves clients throughout Kansas, Missouri, Nebraska, Nevada, and Arizona. Its insurance products include whole and term life insurance policies, as well as commercial, home, and auto insurance. Clients of Northland Wood Insurance can log into the company's client center to manage and view claims, pay premiums, and make minor changes to their policies.

2603 Burlington St, North Kansas City, MO 64116
WebsiteLicense: 152997

Expertise.com Rating

Review Sources

Google
4.7 (39)
Yelp
3.0 (2)

Why choose this provider?

Mike Parisi is an insurance agent who caters to clients throughout Kansas City and neighboring communities. Parisi began his State Farm career as part of the field management team in 2000 and became an agent in 2002. He now operates an agency with seven members, helping clients find the policy that best fits their specific goals and needs. Insurance policies on offer include those for life, health, auto, pet, property, and business. Additional products and services include banking, mutual funds, and annuities.

  • Life Insurance
  • Health Insurance

651 NE Woods Chapel Rd Ste 101, Lees Summit, MO 64064

Expertise.com Rating

Review Sources

Yelp
5.0 (22)

Why choose this provider?

Total Insurance Solutions has more than 15 years of experience providing life and health insurance products to individuals and businesses in the Kansas City area. When working with commercial clients, the company can create customized employee benefits packages that include dental, vision, and long-term disability insurance coverage. Additionally, it provides senior health insurance solutions such as Original Medicare, Medicare Advantage, and Medicare Part D policies. Total Insurance Solutions is licensed to operate in Missouri and Kansas.

901 West Main Street, Blue Springs, MO 64015
WebsiteLicense: 8019832

Expertise.com Rating

Review Sources

Google
5.0 (107)
Facebook
5.0 (37)

Why choose this provider?

Senior Benefit Services is an independent insurance agency that provides insurance services to residents of Kansas City and the surrounding communities. It represents multiple carriers that offer a variety of insurance packages that predominantly benefit seniors. It provides senior insurance services like life insurance, hospital indemnity, cancer coverage, Medicare products, safe money options, and prescription drug plans. Additionally, it carries insurance packages such as home health care and recovery care, as well as dental, vision, and hearing plans. Senior Benefit Services was founded in 1975.

  • Life Insurance

2054 NW South Outer Rd, Blue Springs, MO 64015

Expertise.com Rating

Review Sources

Yelp
4.0 (22)
Facebook
5.0 (5)

Why choose this provider?

Mid USA Insurance Agency is an independently owned and operated insurance agency that serves clients in the Kansas City area. For more than 25 years, the company has worked with top providers, such as Madison Mutual Insurance Company, Foremost Insurance Group, and Viking Insurance to provide its clients with life and health insurance policies, as well as a variety of other coverage types. Mid USA is a Trusted Choice independent insurance agency.

1100 Main St, Ste 400, Kansas City, MO 64105
WebsiteLicense: 313427

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

HDQ Wealth is a boutique financial services firm based in Kansas City. The company focuses on advising high-net-worth families, medical experts, professional athletes, business founders, and philanthropists. Its team of advisors helps clients with insurance planning, covering aspects of disability income and life insurance. They also provide investment management solutions and estate planning services. Harrison D. Quinn, CFP® the founder of HDQ Wealth, is a third-generation entrepreneur and continues to help owners grow and protect their businesses.

  • Estate Planning
  • Certified Financial Planner (CFP)
  • Retirement Planning
  • Business Planning
  • Disability Insurance
  • Life Insurance
  • Investment Management
  • Financial Planning

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Virtuous Insurance Planning
Kansas City, MO
Prime Insurance
9601 Northeast Barry Road, Kansas City, MO 64158
In the Game Insurance Services, Inc.
2103 Swift Street, Kansas City, MO 64116
Nestel Insurance Agency
9233 Ward Parkway, Kansas City, MO 64112
Safeway Insurance Agency
3406 Broadway Blvd A, Kansas City, MO 64111
baldwininsuranceagency.com
200 N Jefferson St, Kearney, MO 64060
Brush Creek Partners
520 W. Pennway, Kansas City, MO 64108
Bob Watson
712 Main Street, Blue Springs, MO 64015
Jim Blau Insurance Agency, Inc.
2661 S Hub Dr, Independence, MO 64055
Team Insurance
1201 NW North Ridge Dr Ste B, Blue Springs, MO 64015
Protection Insurance Agency
1218 S Noland Rd, Independence, MO 64055
The Millay Group, Inc.
927 NW Vesper St, Blue Springs, MO 64015
Walnut Risk Management
1100 Walnut Street Suite 3000, Kansas City, MO 64106
Northland Wood Insurance
38 Westwoods Dr Ste C, Liberty, MO 64068
Mike Parisi
2603 Burlington St, North Kansas City, MO 64116
Total Insurance Solutions
651 NE Woods Chapel Rd Ste 101, Lees Summit, MO 64064
Senior Benefit Services
901 West Main Street, Blue Springs, MO 64015
Mid USA Insurance Agency
2054 NW South Outer Rd, Blue Springs, MO 64015
HDQ Wealth LLC
1100 Main St, Ste 400, Kansas City, MO 64105

FAQs

  • Who needs life insurance in Kansas City?

    In Kansas City, individuals with family dependents and breadwinners are advised to have a life insurance plan so that in the event of their passing, the plan can help their families during financial difficulties. Debt holders and single parents should also obtain life insurance as it can cover debts and offer financial support for their children. Business owners and high-net-worth individuals are also recommended to have life insurance to protect their financial legacy and inheritance.

  • Can an individual take out a loan from their life insurance policy in Kansas City?

    Residents in Kansas City can take out a loan from their life insurance if they have a permanent plan, like universal and whole life policies. These two provide a cash value component that increases and grows over time and can be accessed through tax-advantaged policy loans. The long-term cash values can pay off mortgages, supplement retirement income, and finance a college education. However, any unpaid loans from universal and whole life insurance will reduce the death benefits.

  • How can you determine if the life insurance provider is licensed to operate in Kansas City?

    Policy buyers can visit the Missouri Department of Commerce and Insurance website to verify their insurer's license and registration status in Kansas City. They can also call consumer affairs at 800-726-7390 or visit their office at Missouri Department of Insurance, Truman State Office Building, Room 530, Jefferson City, MO 65102. In addition, individuals can check their provider's discipline records on the website to know whether they've breached insurance law.

  • What is the living benefits rider in Kansas City?

    The living benefits rider in Kansas City can be added to universal life insurance policies for those who receive care from nursing home facilities or have a terminal condition. Individuals with this coverage can request payouts for a certain annuity or equal monthly payments. The living benefits rider provides interest from the unpaid monthly benefits payment. Meanwhile, if all payments have not been made when the holder dies, the present value of the remaining bills will proceed to the beneficiary.

  • What will happen to policyholders in Kansas City filing a claim to their life insurance companies that went bankrupt?

    The Missouri Life and Health Insurance Guaranty Association will pay for the claim of the policyholders in Kansas City if their life insurance company goes bankrupt. For instance, the MOLHIGA will be responsible for the fixed portion of the $250,000 death benefit of individuals with a life insurance plan with an insolvent insurer.

  • 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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