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2024

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Best Life Insurance Companies in Wyoming

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 Wyoming 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.

25743Reviewed

15449Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Wyoming

Expertise.com Rating

Review Sources

Google
4.9 (12)

Why choose this provider?

Sammi Hegwer is a Farm Bureau insurance agent that accommodates individuals and business owners in Wyoming. For the last seven years, he has been providing life insurance policies, including universal, term, and indexed whole life. Hegwer responds to the insurance needs of farm and ranch-based business owners by offering commercial policies that cover umbrella, general liability, and commercial vehicles. He also handles succession, college, investment, and financial planning. Farm Bureau Life Insurance Company has been in operation for more than 80 years.

  • Life Insurance

Wyoming

Expertise.com Rating

Why choose this provider?

Judy D. Baker is an insurance agent and financial services professional who offers insurance products and services to clients in Wyoming. Baker represents New York Life, an insurance provider that has been in business since 1845. She offers and writes securities and whole life insurance policies that can be used to supplement policyholders' and beneficiaries' retirement funds, business succession, and other major life events. Baker holds the Life Underwriter Training Council Fellow (LUTCF) designation from NAIFA.

  • Life Insurance

Wyoming

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Google
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

David Gilliatt is a Farm Bureau insurance agent who provides risk management assistance for residents in Wyoming. He offers a variety of personal and commercial products, including life insurance, which provides death benefits. Options such as whole, universal, and term life policies, which differ in coverage, are available to cater to clients' individual needs. David, who has been in service under Farm Bureau since 2011, is affiliated with Mountain West Farm Bureau Mutual Insurance Company.

  • Life Insurance

Wyoming

Expertise.com Rating

Review Sources

Google
4.5 (2)

Why choose this provider?

North Wyoming Insurance offers life policies to community members. Its life insurance plans protect the deceased’s loved ones and help them maintain their lifestyle. The independent agency's goal is to provide assistance in insurance matters and help clients plan and manage their risks. It provides access to the products of several insurance providers and allows policyholders to switch easily from one carrier to another. Part-owner and agent, Trevor Moon, has been a Certified Insurance Counselor since 2005.

  • Whole Life Insurance

Wyoming

Expertise.com Rating

Review Sources

Facebook
5.0 (14)
Google
3.6 (7)

Why choose this provider?

Summit Insurance Services is an independent agency helping Wyoming residents protect their loved ones from financial burdens. It supports clients in obtaining life insurance plans that can be used to fund children's education, pay off mortgages, cover debts, or replace lost income. Its staff searches over 100 carriers to create customized policies for diverse needs, such as key man life protection, survivorship coverage, and term or universal plans. The agency was established in 1996 and also serves Montana, Idaho, and Colorado.

  • Life Insurance

Wyoming

Expertise.com Rating

Review Sources

Google
4.7 (13)
Facebook
5.0 (9)

Why choose this provider?

The Insurance Corners of Wyoming is an independently owned and locally operated company that serves personal and business clients in the state. It offers term, whole, and universal life insurance policies that take care of the client's family after they are gone. It assists those looking to tune up their policies after having a new child, getting married, or experiencing life changes. The Insurance Corners also provides specialty insurance options to cover farms, restaurants, corporate technology, and nonprofits.

  • Life Insurance

Wyoming

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
4.7 (7)

Why choose this provider?

J.G. Elliott Insurance Center is an independent agency that offers life insurance to individuals, families, and businesses in Wyoming. It provides term life insurance policies with terms of 10, 15, 20, 25, and 30 years and coverage ranging from $50,000 to $1.5 million. It also provides individual and group health plans, as well as short- and long-term disability and Medicare Supplements. In addition, it offers insurance for automobiles, homes, renters, businesses, and farms. The company's agents have a combined 90 years of experience.

  • Life Insurance

Wyoming

Expertise.com Rating

Review Sources

Google
4.4 (31)
Facebook
5.0 (8)

Why choose this provider?

Justus Jacobs is a State Farm agent who responds to the loan needs of policy buyers in and around Wyoming. Since 2009, he has been offering several insurance products, such as life, personal articles, condo, auto, pet, and health. Life insurance products include universal, term, and whole life policies. Jacobs also provides mutual funds, banking, and annuity products. He is a member of non-profit organizations like the Lander Community Foundation. State Farm helps business owners protect their small companies by providing surety and fidelity bonds.

Wyoming

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (2)

Why choose this provider?

Chick Financial serves individuals, families, and businesses in Wyoming. The company offers a wide range of insurance solutions such as life, long-term care, and retirement income. Its agents consult with clients to determine their situation to create a plan that suits their needs. Its insurance policies help the policyholder protect their assets and secure their future. The company has relationships with various carriers, making it easier to obtain information about other insurance products like disability and group health.

  • Life Insurance

Wyoming

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
5.0 (5)

Why choose this provider?

Service First Insurance is a locally owned and operated agency that has been catering to families and local businesses in Wyoming since 2000. It strives to educate clients looking to secure the future of their family members in case of sudden death or illness with a variety of life insurance options. In addition, its professionals offer an array of healthcare coverages for Medicare supplements, dental, and vision. Service First Insurance partners with Squarefoot in providing policies that protect travelers from medical emergencies and cancellations.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Sammi Hegwer
115 N 5th Street E, Wyoming, WY 82501
Judy D. Baker, LUTCF
777 Overland Trail, Wyoming, WY 82601
David Gilliatt
762 E 3rd St, PO Box 773, Wyoming, WY 82435
North Wyoming Insurance
334 N Main St, Wyoming, WY 82834
Summit Insurance Services
610 West Broadway, Suite 107, Wyoming, WY 83001
The Insurance Corners of Wyoming
920 E. Richards St, Wyoming, WY 82633
J.G. Elliott Insurance Center
302 West 21st Avenue, Wyoming, WY 82240
Justus Jacobs
990 Main Street, Wyoming, WY 82520
Chick Financial
1 South Seneca, Suite B, Wyoming, WY 82701
Service First Insurance
235 South David Street, Suite A, Wyoming, WY 82601

FAQs

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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