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Best Life Insurance Companies in Saint Joseph, MO

Our Recommended Top 10

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Our goal is to connect people with the best local professionals. We scored Saint Joseph 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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10Top Picks

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Providers

featured provider = Featured Provider

3715 Beck Road, Saint Joseph, MO 64506
WebsiteLicense: 283836

Expertise.com Rating

Review Sources

Google
4.0 (5)
Facebook
5.0 (1)

Why choose this provider?

DeVoy-Baker Insurance is a full-service independent agency that has been serving the residents of Saint Joseph and its surrounding areas since 1993. It offers life insurance policies with term, universal, and individual options. Single premium, annuity, tax-deferred, and return of premium plans are also available. In addition, DeVoy-Baker Insurance deals with other products, such as personal, health, and commercial insurance. John Riddle, the owner of the Saint Joseph branch, leads a team of agents committed to assisting clients in choosing the right insurance plan.

  • Life Insurance

3849 Frederick Avenue, Saint Joseph, MO 64506
WebsiteLicense: 8134886

Expertise.com Rating

Review Sources

Facebook
5.0 (24)
Google
5.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Clear View Insurance Specialists is a locally owned insurance agency that serves clients in the Saint Joseph area. The agency's team of insurance specialists offers a wide variety of insurance products, which ranges from life insurance, health insurance, and personal insurance to auto insurance, homeowners' insurance, and business insurance. Clear View Insurance Specialists represents various companies such as Allied Insurance, Liberty Mutual, MetLife, and Safeco Insurance. Its website provides clients 24/7 access for policy change requests and filing claims.

  • Life Insurance
  • Health Insurance

2307 North Belt Highway, Saint Joseph, MO 64506
WebsiteLicense: 8012689

Expertise.com Rating

Review Sources

Google
3.0 (13)
Facebook
1.0 (2)

Why choose this provider?

Eric Brumback is a State Farm insurance agent in Saint Joseph since 1990. His team holds over 70 years of combined industry experience and has been providing individuals with a wide array of insurance products, including life insurance plans. He also offers auto, business, home, and property insurance packages. He handles investments through annuities along with banking services. Brumback is a member of the Saint Joseph Chamber of Commerce and the Saint Joseph Regional Association of Realtors.

  • Life Insurance
  • Health Insurance

1642 Main Street, Atchison, KS 66002
WebsiteLicense: 144557

Expertise.com Rating

Review Sources

Google
4.0 (10)
Facebook
5.0 (4)

Why choose this provider?

Chris Taylor is a State Farm insurance agent who has been in the industry since 2001. He is a lifelong resident of Atchison and serves clients in Saint Joseph. Chris offers term, whole, and universal life insurance plans. He also provides health, auto, homeowners', renters', and business insurance policies as well as mutual funds, annuities, and banking solutions. Chris has completed his bachelor of science degree in business and marketing and is a former president of the National Association of Insurance and Financial Advisors.

  • Life Insurance
  • Health Insurance

2411 North Woodbine Road, Saint Joseph, MO 64506
WebsiteLicense: 8411128

Expertise.com Rating

Review Sources

Google
4.0 (10)

Why choose this provider?

Makison Insurance & Retirement is an independent agency that has been operating in Saint Joseph for more than two decades. It offers life insurance plans for seniors regardless of their state of health. Its duo of independent brokers, Jerry and Nancy Makison, conducts assessments with clients to determine their needs and present tailored solutions. Their services also include IRA, Medicare, and estate protection. Clients can contact the agency via phone, email, and the contact form available on its website.

  • Life Insurance

1401 Frederick Avenue, Saint Joseph, MO 64501
WebsiteLicense: 8007613

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Benchmark Insurance Agency is an independent agency providing varied insurance options for Saint Joseph residents. It partners with multiple carriers and works with clients individually to help them connect with the appropriate insurance products that fit their needs. Benchmark Insurance Agency primarily offers life insurance encompassing term (which provides protection for a set period of time) and permanent insurance (which provides lifelong protection). It also provides long-term care insurance for senior clients, as well as short-term and long-term disability insurance.

  • Life Insurance
  • Health Insurance

1807 South Belt Highway, Saint Joseph, MO 64507
WebsiteLicense: 8013882

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Dickens Insurance Agency is a company that has been serving customers in Saint Joseph and the surrounding areas for more than 35 years. It is an independent agency that strives to provide its clients with policies that fit their needs through its varied products, which include life, health, and auto insurance. Home, boat, and motorcycle insurance plans are also available, as well as policies that cover workers' compensation. The insurance carriers that the company works with include Progressive, Travelers, and Foremost Insurance Group.

  • Life Insurance

400 Jules Street, Saint Joseph, MO 64501
WebsiteLicense: 118983

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (4)

Why choose this provider?

Logan Financial Services is a full-service insurance company serving clients in Saint Joseph. Its founder, Curt Logan, is a Registered Representative of NYLIFE Securitites LLC. He started his career in the industry in 1990, catering to individuals, families, and businesses, providing them insurance options intended to protect their financial future. Such products include term, whole, and universal life insurance, in addition to retirement income, long-term care, and investments coverage. Moreover, Logan is a member of the Securities Investor Protection Corporation.

  • Life Insurance

3801 Oakland Avenue, Saint Joseph, MO 64506
WebsiteLicense: 257689

Expertise.com Rating

Review Sources

Google
4.0 (22)
Facebook
5.0 (11)
Yelp
1.0 (1)

Why choose this provider?

Haley Black is a State Farm insurance agent servicing Saint Joseph. With 23 years of industry experience, she provides term, whole, and universal life insurance coverage options to individuals and their families. The policies are also available for small businesses for different purposes, such as business continuation, key employees, employee benefits, and key employee incentives. Black and her team also offer home, auto, health, and insurance. Moreover, they assist individuals with their retirement and wealth planning needs.

  • Life Insurance
  • Health Insurance

101 South 5th Street, Atchison, KS 66002
WebsiteLicense: 230785

Expertise.com Rating

Review Sources

Facebook
5.0 (10)

Why choose this provider?

Rea Laflin is a State Farm insurance agent that caters to residents and families in Saint Joseph and neighboring areas. Laflin provides clients with common types of life insurance plans, including term life insurance, whole life insurance, and universal life insurance. He also offers programs for health, home, auto, and business insurance. Rea has been a State Farm insurance agent since 1996. Previously, he worked with State Farm's claims department as a claims superintendent for 12 years.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
DeVoy-Baker Insurance
3715 Beck Road, Saint Joseph, MO 64506
Clear View Insurance Specialists
3849 Frederick Avenue, Saint Joseph, MO 64506
Eric Brumback
2307 North Belt Highway, Saint Joseph, MO 64506
Chris Taylor
1642 Main Street, Atchison, KS 66002
Makison Insurance & Retirement
2411 North Woodbine Road, Saint Joseph, MO 64506
Benchmark Insurance Agency
1401 Frederick Avenue, Saint Joseph, MO 64501
Dickens Insurance Agency
1807 South Belt Highway, Saint Joseph, MO 64507
Logan Financial Services
400 Jules Street, Saint Joseph, MO 64501
Haley Black
3801 Oakland Avenue, Saint Joseph, MO 64506
Rea Laflin
101 South 5th Street, Atchison, KS 66002

FAQs

  • What types of life insurance policies are available in Saint Joseph?

    Depending on the type of insurance and the level of coverage desired, a medical exam may be used to determine the premium. Traditional term and permanent life insurance policies in Hammond frequently necessitate a medical exam. Nonetheless, certain life insurance plans with lower coverage levels can still be purchased without an exam. Applicants simply need to provide their medical history to see if they are eligible for this type of coverage.

  • Are taxes imposed on life insurance death benefits in Saint Joseph?

    No, life insurance proceeds are distributed tax-free to designated recipients or beneficiaries in Saint Joseph upon the death of the policyholder. Funeral expenses, debt, school tuition, estate taxes, and almost any other financial need may be covered by this. Furthermore, the cash value growth of a whole life insurance policy is tax-deferred, which means that no taxes are due on the cash value growth until cash is taken.

  • How are life insurance premiums calculated in Saint Joseph?

    Some Saint Joseph life insurance policies go through the underwriting process, which evaluates the risks the insured faces. The premiums may vary depending on the type of life insurance policy chosen, such as term, whole life, or universal life. The amount of insurance coverage you want, as well as your age, gender, and risk category, can all influence the cost of insurance. Finally, people with dangerous hobbies or jobs, as well as a history of illness, may face higher premiums.

  • Can you name more than one beneficiary on your life insurance policy in Saint Joseph?

    You can name more than one beneficiary on your life insurance policy in Saint Joseph. You can do so using either the per stirpes or the per capita method. The first method grants a share even to a deceased beneficiary; this share is then distributed evenly among the recipient's heirs. The second distributes the benefit to all recipients who are still alive and have been specified in the first.

  • Is life insurance still necessary if you are already covered by your employer in Saint Joseph?

    It all depends on the type of coverage you require. The disadvantage of Saint Joseph employer-provided life insurance is that it will expire if you leave your job. Although having life insurance provided and paid for by your employer is a nice perk, it may have fewer coverage options than when you buy a policy on your own.

  • 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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