Expertise.com

2024

Last updated:

Best Life Insurance Companies in Topeka

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 Topeka 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.

5476Reviewed

3289Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1615 Southwest 37th Street, Topeka, KS 66611
WebsiteLicense: 16860144

Expertise.com Rating

Review Sources

Google
4.0 (54)

Why choose this provider?

Jamie Hornbaker is a State Farm agent who has been providing insurance solutions to clients in Topeka and its neighboring areas since 2013. Together with her team of insurance professionals, she offers a range of insurance products such as life, health, auto, home, property, and business insurance. Moreover, they handle banking, mutual funds, and annuities services. They also help clients in filing claims and paying bills. Before joining State Farm, Jamie has worked in non-profit marketing.

  • Life Insurance
  • Health Insurance

3745 Southwest Wanamaker Road, Topeka, KS 66610
WebsiteLicense: 12860772

Expertise.com Rating

Review Sources

Google
4.0 (5)
Facebook
5.0 (2)

Why choose this provider?

Kristina Smith addresses the life insurance needs of clients in the Topeka area. She is currently an insurance sales representative at Bankers Life and Casualty Company. Smith started working in the industry in 2009, providing various life insurance policies, including term, whole, universal, and juvenile coverage, all designed to protect the client's financial security. She earned her designation as a Certified Long Term Care Specialist and is licensed in multiple states, including Florida, Texas, and Pennsylvania. Smith can communicate in Spanish as well.

  • Individual Plans
  • Life Insurance

5835 Southwest 29th Street, Topeka, KS 66614
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Google
4.3 (16)

Why choose this provider?

Brier Payne Meade Insurance is a family-owned insurance business that has been providing insurance solutions to clients in the Topeka area for more than 100 years. It offers term and permanent life insurance and a range of personal insurance products. It features motorcycle, RV, ATV, and watercraft insurance as well as vineyard, farm, and ranch insurance. Identity theft insurance is also available. It also offers commercial insurance products tailored to the specific needs of businesses and policies for workers' compensation.

  • Life Insurance

3645 SW Burlingame Rd, Topeka, KS 66611
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Facebook
4.0 (19)
Google
4.0 (9)

Why choose this provider?

Elliott Group is an independent agency that delivers a wide variety of insurance products and services to individuals and businesses in Topeka. It offers term life, whole life, and universal life insurance. Additionally, some of its personal insurance products cover automobiles, homes, boats, RVs, and motorcycles. Elliott Group also provides commercial insurance, surety solutions, benefits, risk management, and farm and agribusiness coverage. Its staff helps clients revisit their policies when they achieve certain life milestones like getting married or having a divorce.

  • Life Insurance

3706 Southwest Topeka Boulevard, Topeka, KS 66609
WebsiteLicense: ALL INSURANCE ACCESS LLC

Expertise.com Rating

Review Sources

Google
4.4 (43)
Facebook
4.3 (6)
Yelp
3.0 (2)

Why choose this provider?

All Insurance Access, LLC, is an insurance agency that services the Topeka area. The company provides life insurance to individuals, families, and businesses that help them with needs such as group life insurance, long-term care insurance, and disability insurance. In addition, it offers home, auto, and farm insurance. All Insurance Access has over 100 years of experience in the industry. It also values its communication with clients and is able to cater to Spanish-speaking clients.

  • Life Insurance

5947 Southwest 29th Street, Topeka, KS 66614
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Google
3.0 (3)
Facebook
5.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Dynamic Insurance Group, Inc, is an independent agency that caters to clients in Topeka and the surrounding areas. It enables clients to obtain financial security through its life insurance policies, including universal life, whole life, and term life insurance. These policies may be used by the beneficiaries to continue business operations, pay off mortgages, and fund a child's education. Additionally, Dynamic Insurance Group offers other types of insurance coverages that protect cars, motorcycles, boats, mobile homes, businesses, and commercial properties.

  • Life Insurance

3030 Northwest Topeka Boulevard, Topeka, KS 66617
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Google
5.0 (19)
Facebook
5.0 (3)

Why choose this provider?

Community Insurance Solutions LLC is an insurance company that serves customers in Topeka and its nearby areas. This firm offers different life insurance options, including term, whole, and universal. In addition, it provides auto, general liability, home, pet, and umbrella insurance plans. Camper, flood, and jewelry insurance products are also offered. This full-service independent agency has been in the business since 2015. One of its owners, Kyle Lear, started working as an insurance professional in 1999.

  • Life Insurance

2841 SE Croco Rd, Suite 500, Topeka, KS 66605
WebsiteLicense: 15990422

Expertise.com Rating

Review Sources

Facebook
4.9 (54)
Google
4.8 (42)
Yelp
5.0 (1)

Why choose this provider?

Brandon Aldridge is an insurance agent with State Farm serving clients in the Topeka area. He provides whole, universal, and term life insurance options, as well as individual and group health plans. Brandon offers risk management solutions for homes, automobiles, rental properties, and businesses. His firm assists with financial services, such as banking, mutual funds, and annuities. Relocation services are also available. Additionally, the agent is an honoree of the Topeka Top 20 Under 40 in 2018.

  • Health Insurance
  • Life Insurance

2820 Southeast 29th Street, Topeka, KS 66605
WebsiteLicense: Verified

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

AASI Insurance, Inc., is an insurance and financial service provider that serves clients in and around the Topeka area. This full-service agency offers an array of personal insurance products, including cash value life insurance plans. As an independent agency, the company represents multiple insurance companies in the market to provide a wide range of coverage options for its clients. In addition, its team of experienced agents provides auto insurance plans and homeowners' insurance policies. AASI Insurance's website has calculators that help clients find suitable plans.

  • Life Insurance

1415 Southwest Topeka Boulevard, Topeka, KS 66612
WebsiteLicense: verified

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Google
4.0 (2)
Yelp
5.0 (1)

Why choose this provider?

Peoples Insurance Group is a locally owned business located in Topeka specializing in personal and commercial insurance. The independent agency caters to businesses, families, and individuals who need assistance in purchasing life insurance plans. These plans are available in variable, universal, term, and whole life options. The company also helps clients acquire health, homeowners', auto, pet, and disability insurance. Peoples Insurance Group was established in 2014 by president Michael Lesser.

  • Group Plans
  • Life Insurance

FAQs

  • Will the life insurance proceed equally to multiple named beneficiaries in Topeka?

    Yes. The sum of the life insurance in Topeka proceeds is shared equally among all the beneficiaries. In the event of a beneficiary's death under the per capita distribution, the share will be distributed to fellow beneficiaries. Conversely, the per stripes distribution allows the deceased beneficiary's share to be passed on to their descendants if they pass away. In addition, the policyholder can designate a specific percentage for each beneficiary.

  • Can suicide death be paid out of life insurance in Topeka?

    Yes. Insuring companies in Topeka will pay out life insurance benefits for suicide deaths after the two to three-year exclusionary period has elapsed, and provided that fraudulent activity is not involved. During the exclusionary period, the insurer may dispute the claim, and in the event of denial, beneficiaries may receive a prorated refund of the premiums they paid. The suicidal death clause specifies the restrictions for suicide, and it is imperative for policyholders to review it thoroughly in the contract.

  • What would be getting credit life insurance in Topeka be for?

    Credit life insurance is an additional policy designed to settle a specific debt in the event of the policyholder's death. It allows the insured to protect their families from the burden of outstanding debts or encumbrances on their estate. The insurance's proceeds will be directed to their creditors upon the policyholder's death to pay off the remaining loan balance.

  • How long after death can life insurance be claimed in Topeka?

    On average, it takes 30 to 60 days for life insurance companies in Topeka to process the payout after the death certificate is received. However, there are instances when claims might be delayed or denied, such as if the policyholder withheld relevant information at the time of application, the policy lapsed, the claim is excluded from coverage, uncertainty in the beneficiary status, and insufficient documentation when filing the claim.

  • How does exposure risk play out in getting life insurance in Topeka?

    When applying for life insurance in Topeka, your exposure risk is one of the determinants in assessing your coverage eligibility. This encompasses potential hazards that you may encounter in your work or home environment and recent travel to high-risk areas. It is of utmost importance that you provide the insurer with complete and accurate information. Failure to do so may result in terminating your coverage or denying the claim.

  • 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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