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2024

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Best Life Insurance Companies in St. Louis, MO

Our Recommended Top 19

We did the research for you!

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  • User Reviews
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Our goal is to connect people with the best local professionals. We scored St. Louis 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.

15711Reviewed

9434Curated

19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

9700 Mackenzie Rd Ste 101, Saint Louis, MO 63123

Expertise.com Rating

Review Sources

Google
5.0 (48)

Why choose this provider?

MBhealth is a health insurance company in Saint Louis. Its goal is to help individuals, families, and employers/employees find the right health care plans for their needs. It also offers health insurance for self-employed customers. Dental and vision plans are available, and Medicare plans, including Advantage and prescriptions plans, are also available. In addition to health insurance, MBhealth sells life insurance in both term and whole life formats. Other insurance products from the agency include long-term care, disability, and travel.

12660 Lamplighter Square Shpg Ctr, Saint Louis, MO 63128

Expertise.com Rating

Why choose this provider?

Hovis Associates in Saint Louis has been providing insurance products for individuals throughout the area since 1984. They are also Financial advisors and planners. The licensed agents focus on helping beneficiaries with disabilities and people 65 and older navigate Medicare and supplement plans through private companies to increase their coverage. It also works with clients to choose a Medicare advantage plan for extended dental, vision, and hearing benefits. Hovis Associates works with several trusted carriers, including AARP Medicare Supplement Plans, Aetna, Anthem, Humana, and Essence.

160 E Ferguson Ave, Wood River, IL 62095

Expertise.com Rating

Why choose this provider?

Equity Insurance Agency is an independent insurance company that serves clients throughout the Saint Louis area. The licensed and experienced agents work with individuals to understand their options and choose a term, whole, or universal life insurance plans. Equity Insurance Agency offers policies through several top carriers, including AIG, American Modern, and Allied Insurance. The company also provides auto, boating, classic car, home, renters, RV, umbrella, and business insurance coverage.

762 Lemay Ferry Rd, Saint Louis, MO 63125

Expertise.com Rating

Review Sources

Google
4.6 (18)

Why choose this provider?

Parker Insurance Group, Inc. is a full-service independent insurance agency serving the Saint Louis area since 1983. The agency’s team is committed to providing clients with the highest quality insurance plans available at competitive rates. It offers all types of auto, home, and business insurance lines. The company values long-term relationships with its clients and proudly provides families, individuals, and businesses personalized service. It also assists clients through the claims process.

4931 Lindell Boulevard, St. Louis, MO 63108
WebsiteLicense: 217211

Expertise.com Rating

Why choose this provider?

West End Advisory Group is a company that provides financial services to clients in and around St. Louis. It offers life insurance policies and covers other insurance options such as disability, health, long-term care, dental, business insurance, and annuities. In addition, the company handles financial planning and wealth management, retirement plan consulting, and accounting and tax planning. West End Advisory Group offers its insurance products through Summit National Partners' national network of more than 100 financial professionals.

  • Life Insurance
  • Health Insurance

1415 Elbridge Payne Rd Ste 230, Chesterfield, MO 63017

Expertise.com Rating

Review Sources

Yelp
5.0 (2)

Why choose this provider?

Insurance Store Inc. is an independent agency serving clients throughout the Saint Louis area. Its licensed agents help clients find healthcare plans that meet their needs and choose between consumer-directed, fee-for-service and managed care, such as HMOs, PPOs, and POS plans. The agency also works with employers to secure the right benefits package for their employers that include medical, dental, and vision insurance. Other coverage options include term, whole, and universal life insurance coverage.

5757 Chippewa Street, Saint Louis, MO 63109
WebsiteLicense: 8302260

Expertise.com Rating

Review Sources

Google
4.9 (117)
Facebook
5.0 (51)
Yelp
4.2 (5)

Why choose this provider?

Justin Foust is a State Farm insurance which has been serving clients in the St. Louis area since 2012. He provides life insurance policies that can cover everything from funeral costs to future expenses like college tuition. Clients can also get coverage for their cars, along with policies for homeowners and renters. Justin helps business owners protect their investments with a variety of business insurance plans. He also assists clients with getting more coverage through health insurance policies.

  • Home and Auto Insurance
  • Life Insurance
  • Health Insurance

St Louis, MO
WebsiteLicense: 271065

Expertise.com Rating

Why choose this provider?

Robert Chalk, Jr. is an insurance agent that provides services to clients in St. Louis and the surrounding communities. He offers life insurance policies and covers other insurance products, including Medicare, business, health, home, and final expense. As an independent agent, Robert Chalk, Jr. represents various insurance carriers and helps clients customize their insurance coverage according to their financial needs. These carriers include United American Insurance, Foresters, Gerber Life Insurance Company, North American Company, and Instant Life.

  • Life Insurance

8050 Watson Road, St. Louis, MO 63119

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
4.7 (12)

Why choose this provider?

The Insurance Advisors Of St. Louis is a nine-man agency offering different insurance lines to individuals and businesses. Established in 1996, this firm carries boat insurance, medicare products, business insurance, and liability insurance options. Its insurance agents provide personal and commercial insurance choices from insurance companies such as Liberty Mutual, Safeco, State Auto, and Progressive Insurance. For auto insurance, coverages include property damage, bodily injury liability, and collision. The Insurance Advisors Of St. Louis also offers homeowner and renter insurances.

10720 West Florissant Ave, Saint Louis, MO 63136

Expertise.com Rating

Review Sources

Google
4.8 (20)

Why choose this provider?

BG Resource Insurance Agency is an independent agency serving clients throughout the Saint Louis area. Its licensed and experienced coverage specialists help clients understand their health insurance options and make informed decisions regarding individual and family medical coverage and Medicare supplemental, advantage, and prescription plans. The company also works with customers to secure dental, hearing, and vision insurance policies. Other products available include life, final expenses, hospital indemnity, and long-term care insurance coverage.

405 Saint Louis Rd, Collinsville, IL 62234

Expertise.com Rating

Review Sources

Google
4.9 (48)
Facebook
5.0 (14)

Why choose this provider?

Redmon Insurance Agency is a health insurance company near Saint Louis that prides itself on helping individuals and families find competitive rates on needed coverage. Founded in 1945 and operating from two local offices, the agency has more than 70 years of industry expertise built on service, integrity, and honesty. Health insurance is offered as part of the agency's personal lines insurance, which also includes life, auto, and home insurance.

519 N. Taylor Ave., St Louis, MO 63108
WebsiteLicense: 272649

Expertise.com Rating

Review Sources

Google
4.0 (43)
Facebook
5.0 (27)
Yelp
3.0 (2)

Why choose this provider?

Evelyn Jamison is a State Farm insurance agent that serves individuals, families, and businesses in the St. Louis metro and the surrounding areas. She offers a wide range of insurance products, including term, whole, and universal life insurance plans. These enable policyholders to protect their families and cover debt settlements, mortgage payments, and the beneficiaries' college expenses. Jamison also provides auto, health, home, pet, and property insurance plans. She holds the Life Underwriter Training Council Fellow designation.

  • Life Insurance
  • Health Insurance

800 Market St # 1655, St. Louis, MO 63101
WebsiteLicense: 83998

Expertise.com Rating

Why choose this provider?

C.J. Thomas Company provides is an independent firm that has been providing services to clients in the St. Louis metro since 1975. It offers life insurance policies and other products, including insurance coverage for personal possessions such as jewelry, mobile homes, watercraft, automobiles, and recreational vehicles. The company assists in customizing options to fit the client's insurance needs in various areas by increasing liability coverage or limit. It also works with different carriers, including Travelers, The Hartford, and Liberty Mutual.

  • Individual Plans

4657 Hampton Ave, St. Louis, MO 63109
WebsiteLicense: 8051954

Expertise.com Rating

Review Sources

Google
4.9 (20)
Yelp
5.0 (1)

Why choose this provider?

The Naeger Family Ins Agencies, LLC, is a family-operated and family-owned insurance agency that serves families, individuals, and businesses in the St. Louis metro. It offers a wide range of insurance products, such as life, RV and travel trailers, rental buildings, auto, commercial, and workers' compensation insurance. Its team of independent insurance agents represents various sought-out carriers, including American Strategic Insurance, Travelers, and Safeco Insurance. The Naeger Family Ins Agencies managing partner, Brad Naeger, has been working in the industry since 2000.

  • Life Insurance

3407 S Jefferson Ave #181, St. Louis, MO 63118
WebsiteLicense: 3001186042

Expertise.com Rating

Review Sources

Google
5.0 (13)
Facebook
5.0 (1)

Why choose this provider?

U First Insurance Agency caters to individuals, families, and business owners in the St. Louis metro. It offers a selection of personal lines of insurance, including life policies. The independent company aims to protect policyholders' futures through its insurance coverages. Its agents also help clients obtain homeowners', renters', automobile, motorcycle, and umbrella insurance. They also handle commercial insurance, such as BOP, professional liability, workers' compensation, and contractors' coverage. U First Insurance Agency works with other carriers to create personalized plans.

  • Life Insurance

13655 Riverport Drive, Maryland Heights, MO 63043
WebsiteLicense: 48

Expertise.com Rating

Why choose this provider?

United Healthcare is an insurance provider under UnitedHealth Group that serves the St. Louis area and the surrounding communities. It offers a full spectrum of health benefit programs for clients that can be obtained by Medicare and Medicaid beneficiaries, individuals, and employers. It contracts with over 1.3 million physicians and healthcare professionals and 6,500 hospitals and care facilities nationwide. United Healthcare also provides health benefits to clients through owned and operated healthcare centers in South America.

  • Life Insurance

9545 Yuma Drive, St. Louis, MO 63123
WebsiteLicense: 14718

Expertise.com Rating

Review Sources

Google
4.0 (29)
Facebook
5.0 (17)

Why choose this provider?

Clayton Hanley Insurance Service, Inc. is a company that is independently and veteran-owned. It houses a team of insurance professionals who provide services to clients in St. Louis and the surrounding areas. The agents will provide their honest opinions on different policies and coverages to help clients better understand. Clayton Hanley offers a wide range of products such as auto, homeowners, and usage-based insurance. Its life insurance comes in different types such as universal life, term life, and whole life.

  • Life Insurance

950 Francis Place, Clayton, MO 63105
WebsiteLicense: 7262

Expertise.com Rating

Review Sources

Google
5.0 (8)

Why choose this provider?

Independent Brokers Agency specializes in insurance services for individuals and businesses alike. Based in Clayton, the agency serves clients in St. Louis and its surrounding areas. It offers a wide array of life insurance plans, including end-of-life care and health directive policies, retirement planning, education and investment planning, and Medicare Supplements. It also offers risk management services. This family-owned and family-operated company has been in business for more than 30 years. Company principal Heather Wessels has decades of experience in the insurance industry.

  • Individual Plans
  • Group Plans
  • Life Insurance

4601 Hampton Avenue, Saint Louis, MO 63109
WebsiteLicense: 8401304

Expertise.com Rating

Review Sources

Google
4.9 (46)
Facebook
5.0 (16)
Yelp
3.0 (2)

Why choose this provider?

Jason Foust has been running his agency through State Farm since 2019. He caters to individuals, families, and businesses in St. Louis and the surrounding communities. He provides various types of life insurance plans, such as term, whole, and universal. These products can cover education expenses, debt settlements, and mortgage payments. He also offers commercial auto, health, homeowners', pet, and rental property insurance policies. Foust stays involved in the community by being a member of the Saint Charles First Capitol Lions Club.

  • Life Insurance
  • Home and Auto Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
MBhealth
9700 Mackenzie Rd Ste 101, Saint Louis, MO 63123
Hovis & Associates
12660 Lamplighter Square Shpg Ctr, Saint Louis, MO 63128
Equity Insurance Group
160 E Ferguson Ave, Wood River, IL 62095
Parker Insurance Group
762 Lemay Ferry Rd, Saint Louis, MO 63125
West End Advisory Group
4931 Lindell Boulevard, St. Louis, MO 63108
Insurance Store Inc
1415 Elbridge Payne Rd Ste 230, Chesterfield, MO 63017
Justin Foust
5757 Chippewa Street, Saint Louis, MO 63109
Robert Chalk Jr
St Louis, MO
Insurance Advisors Of St. Louis
8050 Watson Road, St. Louis, MO 63119
BG Resource Insurance Agency
10720 West Florissant Ave, Saint Louis, MO 63136
Redmon Insurance Agency
405 Saint Louis Rd, Collinsville, IL 62234
Evelyn Jamison
519 N. Taylor Ave., St Louis, MO 63108
C.J. Thomas Company
800 Market St # 1655, St. Louis, MO 63101
The Naeger Family Ins Agencies, LLC
4657 Hampton Ave, St. Louis, MO 63109
U First Insurance Agency
3407 S Jefferson Ave #181, St. Louis, MO 63118
United Healthcare
13655 Riverport Drive, Maryland Heights, MO 63043
Clayton Hanley Insurance Service, Inc.
9545 Yuma Drive, St. Louis, MO 63123
Independent Brokers Agency
950 Francis Place, Clayton, MO 63105
Jason Foust
4601 Hampton Avenue, Saint Louis, MO 63109

FAQs

  • Are there any tax advantages associated with the living benefits of a permanent life insurance policy in St. Louis?

    Yes. The cash value accumulated under a permanent life insurance policy in St. Louis is tax-deferred. This means that policyholders are not liable for taxes on the cash value's growth until they make a withdrawal. Policy owners have the option to utilize loans or withdrawals against the cash value to cover various expenses, such as funding college tuition or making a down payment on a home.

  • How do life insurance rates in St. Louis vary between men and women?

    In St. Louis, the average monthly premium for a $250,000 life insurance policy is $19 for men and $17 for women. However, when opting for the recommended coverage amount of $625,000 in Missouri, the average monthly rates rise to $36 for men and $32 for women. Additionally, average premium costs can fluctuate significantly based on the length of coverage.

  • Which life insurance policy can help St. Louis beneficiaries pay off mortgages?

    A mortgage cancellation life insurance policy in St. Louis offers protection to policyholders' loved ones if they pass away unexpectedly. It is important for potential buyers of this insurance to be cautious and not accidentally acquire it through unsolicited offers. The reason for this is that there are policies available that lack flexibility and primarily cover the mortgage itself rather than providing benefits directly to the policyholder and beneficiaries.

  • What are the two basic types of term life insurance policies in St. Louis?

    In St. Louis, term life insurance policies generally fall into two primary categories: level and decreasing terms. Under a level-term policy, the death benefit remains consistent throughout the policy's duration. On the other hand, the death benefit decreases gradually over time, while the premium usually remains unchanged in a decreasing-term life insurance policy.

  • Is cash value an additional benefit under a traditional whole life insurance policy in St. Louis?

    No, cash value serves as an alternative benefit available to St. Louis life insurance policyholders. It is generated through the combination of premium payments and investment returns. As an alternative benefit, policyholders can use the cash value they have accumulated throughout their lifetime to cover diverse expenses, including educational or retirement income costs.

  • 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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