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Best Life Insurance Companies in Missouri

2024

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Providers

Last updated:

Website
Missouri
  • Health Insurance
  • Life Insurance

Why choose this provider?

Secure Insurance Group is an independent agency that has been serving clients in Missouri since 2014. It offers life insurance options for personal and commercial clients, protecting the policy owner's family from financial losses. Its life policy products include whole, term, guaranteed universal, and indexed universal plans. Additionally, it provides Medicare Advantage and supplements, final expense and long-term care insurance, and property risk management options. Secure Insurance Group works with multiple carriers, including American Continental, Guarantee Trust Life, and Nationwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (52)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
2.5
Responsiveness
Friendliness
Helpfulness
––
Detail
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Website
Missouri
  • Health Insurance
  • Life Insurance

Why choose this provider?

Trilogy Insurance Group caters to families in Missouri. It provides a variety of coverages, including whole and universal life insurance policies, as well as Dental Health Maintenance Organization plans. The company also offers vision and pet insurance. In addition, Trilogy Insurance Group works with Blue Cross Blue Shield, Aetna, and ManhattanLife. The agency extends its services to residents in Texas, Illinois, Arizona, and Colorado. In 2022, its licensed agent, Jona Baldwin, was recognized as a member of the Marketplace Circle of Champions.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Life Insurance

Why choose this provider?

Bly Insurance Group serves clients across the state of Missouri. It specializes in helping individuals secure the future of their loved ones by protecting their current and future finances or income through life insurance policies. It also offers insurance options covering clients' homes, automobiles, apartment complexes, and investment properties. In addition to personal insurance options, its team carries business insurance products. The agency's founder, Joseph Bly, worked at Liberty Mutual before establishing Bly Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Life Insurance

Why choose this provider?

Luebbering Insurance has been serving clients across Missouri since 1991. The agency partners with different firms—including Gerber Life, Progressive, The Hartford, and Travelers—to offer life insurance policies for individuals. It performs a risk analysis of the client's financial situation to help them plan for retirement. The agency also provides insurance policies that cover the individual's vehicles, like cars, boats, and motorcycles. Diana Luebbering, one of its team members, holds a degree in accounting. She previously worked under the Missouri Department of Transportation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (43)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.5
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Long Term Care
  • Health Insurance
  • Life Insurance

Why choose this provider?

Insurance Center of Cuba, LLC, offers residents of Missouri a variety of life insurance policies. It employs a team of financial experts who guide clients in choosing term and whole policies as a source of savings or income for dependents. It also offers a range of personal insurance policies covering auto, flood, individual disability, mobile homes, renters, long-term care, and Medicare. Insurance Center of Cuba works with businesses for their group health, workers' compensation, and group life insurance needs.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (44)
Facebook
4.8 / 5 (28)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Missouri
  • Health Insurance
  • Life Insurance

Why choose this provider?

Family-owned and family-operated, David Pope Insurance provides services to clients throughout the state of Missouri. Its team offers life insurance products to help individuals prepare for their future lifestyles, finances, and family needs. These products include universal, term, and whole life insurance. It also guides clients in applying for pet, disability, auto, home, and commercial insurance policies. David Pope Insurance is also available to serve clients in Nebraska, Arkansas, Illinois, Colorado, Kansas, Iowa, and Tennessee.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.3
Google
4.7 / 5 (52)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Life Insurance

Why choose this provider?

McCarty Insurance Group caters to individuals and families in the state of Missouri. The independent insurance agency helps clients identify their insurance needs and search for the policy that meets their requirements. One of its products is life insurance, which allows policyholders to protect their family's financial future. The firm also offers Medicare, auto, and home insurance plans. Dedicated to giving back to the community, McCarty Insurance Group supports local events, restaurants, and businesses by featuring them on its website.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (60)
Facebook
4.8 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Life Insurance

Why choose this provider?

Webb Insurance is an independent family-owned brokerage based in Missouri. It has a selection of life insurance packages, such as annual and decreasing term, variable and universal, and traditional options. It also offers other types of personal and commercial protection plans, including policies with coverage for homeowners, renters, and vehicles. Webb Insurance owner Michael Webb is a Chartered Financial Consultant and a Chartered Life Underwriter who has been working as an insurance agent since 1992.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Life Insurance

Why choose this provider?

Crestwood Insurance Agency is a Trusted Choice independent agency that has been serving clients in Missouri and Illinois for over two decades. It provides life insurance plans for college students, young professionals, homeowners, and retirees. Its coverage options include term, whole, and universal life insurance. The agency also offers other insurance products, such as health, home, auto, and business insurance. The professionals of Crestwood Insurance Agency have more than 100 years of combined industry experience.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Life Insurance

Why choose this provider?

NEC Insurance, Inc., is an independently owned and operated agency that has been serving Missouri for more than three decades. It helps clients pay off mortgages, replace lost income, and obtain education funding through life insurance plans. The types of coverage it offers include whole life, term life, universal life, and variable life insurance. The agency is partnered with more than 30 insurance carriers. NEC Insurance, Inc., is a certified Chamber Benefit Plan producer. President John Bosse holds an Associate in Risk Management designation.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (14)
Google
4.8 / 5 (12)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Missouri
  • Health Insurance
  • Life Insurance

Why choose this provider?

Theobald Insurance Group, LLC, offers life coverage for clients residing in Missouri. It has group, health, and individual options that protect families and successors-in-interest in the event of untimely death or injury. Personal and commercial choices are also available for condominium occupants, car enthusiasts, and real estate owners. Theobald Insurance Group is a family enterprise that is independent and partnered with American Medicare Advisors. It has special policies specifically tailored for senior citizens.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (41)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Missouri
  • Life Insurance

Why choose this provider?

Baldwin Insurance Agency has been providing risk management solutions to the people of Missouri for over two decades. It works to find a suitable life insurance plan for individuals and families, helping them prevent financial loss. The agency's representatives assist clients through the process, from policy enrollment to filing a claim. As an independent business, Baldwin Insurance Agency is able to compare plans and coverage types from a number of carriers, including US Assure, The Hartford, and Foremost Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
4.8 / 5 (76)
Google
5.0 / 5 (37)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Health Insurance
  • Life Insurance

Why choose this provider?

Deco Insurance Agency helps Missouri residents prepare for the future. It offers term and permanent/whole life insurance products from multiple carriers. Its staff is dedicated to providing personalized attention to each client's situation, from helping find a policy that fits their coverage and cost preferences to assisting with the timely recovery of claims. The agency also caters to other aspects of life with its wide array of personal and business insurance products, including workers' compensation, auto, home, pet, and business owner's insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (109)
Facebook
4.8 / 5 (31)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Missouri
  • Group Plans
  • Individual Plans
  • Life Insurance

Why choose this provider?

Kraft Insurance Services caters to clients throughout Missouri. It offers a variety of insurance products under personal lines, including life coverage plans. The type of plans available includes term, whole, universal, and indexed universal life insurance. With a focus on maximizing customer satisfaction, the firm's specialists create and prepare policies following customers' unique needs while clarifying the coverage included. Kraft Insurance Services has been in the industry since 1925. Among its partner carriers are Midland National, Prudential, Anthem Blue Cross and Blue Shield, and United Healthcare.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (45)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Missouri
  • Health Insurance
  • Life Insurance

Why choose this provider?

Preuitt Insurance is an independent agency that caters to the residents of Missouri. It helps individuals and families secure their finances by offering whole and term life insurance policies. Additional products include long term care, disability insurance, IRAs, and annuities. The company's agents also assist clients in finding insurance plans for their homes, recreational vehicles, and automobiles, as well as commercial lines like workers' compensation and bonds. Preuitt Insurance has been operating since 1961.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Facebook
4.6 / 5 (30)
Google
4.7 / 5 (25)
Yelp
1.5 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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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