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2024

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Best Life Insurance Companies in O'Fallon, MO

Our Recommended Top 15

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored O'Fallon 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.

3932Reviewed

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15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8917 Veterans Memorial Parkway, O'Fallon, MO 63366
WebsiteLicense: 8022272

Expertise.com Rating

Review Sources

Google
4.7 (18)

Why choose this provider?

Midwest Agency is an independent insurance agency that serves individuals, families, and businesses in O'Fallon. In collaboration with several insurance carriers, such as Dairyland, Nationwide, and Travelers, it offers life insurance policies that include term, whole, universal, and variable life insurance. The agency also covers insurance products for cars, homes, condominiums, and boats. Midwest Agency can detect personal insurance coverage gaps, that if not resolved, might decimate a percentage of savings in the event of an uncovered claim.

  • Life Insurance

510 Huber Park Court, Weldon Spring, MO 63304
WebsiteLicense: 8015090

Expertise.com Rating

Review Sources

Google
5.0 (234)
Facebook
5.0 (79)

Why choose this provider?

DeWitt Insurance is an independent insurance agency serving O'Fallon and the surrounding communities. The business was established by Charlie DeWitt in 1925, providing various insurance coverage, such as home, renters, auto, and business insurance. It also specializes in life insurance policies, such as term and whole life. Moreover, the company's professionals assist clients with claims, policy service, renewal reviews, and ID card requests. They carry various designations, including Certified Insurance Counselors and Accredited Customer Service Representatives.

  • Life Insurance

995 Cool Springs Industrial Drive, O'Fallon, MO 63366
WebsiteLicense: 8022337

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
4.5 (8)

Why choose this provider?

GlobalGreen Insurance Agency is a local and independently owned business that serves clients in O'Fallon. It offers term and whole life insurance policies that provide financial security to the beneficiaries in the event of the policyholder's untimely death. The agency also assists its clients in obtaining insurance products for automobiles, homes, and businesses. Joe Azar and Tim Kirt are the founders of GlobalGreen. Joe is a second-generation insurance agent who has more than 15 years of industry experience. Tim, meanwhile, also specializes in cost control.

  • Life Insurance
  • Health Insurance

18118 Chesterfield Airport Road, Chesterfield, MO 63005
WebsiteLicense: 8019933

Expertise.com Rating

Review Sources

Facebook
4.0 (37)

Why choose this provider?

Insurance Brokers Group is an independent insurance agency that offers personal, business, and life insurance coverage to clients in O'Fallon. It offers several types of life insurance policies, including whole life, term life, and universal life insurance. It also formed partnerships with several insurance carriers, including Nationwide, Progressive, and Liberty Mutual. Agency owner and manager John Espenschied acquired his knowledge on the insurance industry from Allstate Insurance where he started his insurance career as an agency owner in 2000.

  • Life Insurance

206 West Terra Lane, O'Fallon, MO 63366
WebsiteLicense: 288309

Expertise.com Rating

Review Sources

Google
4.0 (24)

Why choose this provider?

Alternatives Insurance is an independent insurance agency that has served individuals and businesses in the O'Fallon metro since 1992. It offers two types of life insurance, term insurance and permanent insurance policy. It also provides home insurance, auto insurance, renters insurance, and business and commercial insurance. It partners with several national and regional carriers such as AAA, Safeco, Chubb, Progressive, EMC, and West Bend. The agency's website also has online forms which can be completed for certain types of policy changes anytime.

  • Life Insurance
  • Health Insurance
  • Long Term Care

232 Vance Road, Valley Park, MO 63088
WebsiteLicense: 8462791

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Brian Procter assists clients in O’Fallon and its surrounding communities by providing various insurance products and consultancy services. He offers life insurance policies and health coverages for individuals and families. He also helps in securing retirement insurance programs. Other products include coverages for care facilities, prescription drugs, dental, and hospital expenses. Brian is a representative at American Republic Insurance Services, an insurance firm established in 1929. It specializes in insurance solutions for retirees and has access to products from multiple carriers.

  • Life Insurance
  • Health Insurance

3920 Old Highway 94 South, Saint Charles, MO 63303
WebsiteLicense: 10012

Expertise.com Rating

Review Sources

Google
5.0 (75)
Facebook
5.0 (24)
Yelp
4.0 (5)

Why choose this provider?

For 31 years, Lang Insurance has been serving the insurance needs of individuals, families, and businesses in O'Fallon and the surrounding communities. It is a locally owned independent firm that evaluates its clients' situation and offers a life insurance policy that fits their needs. Additionally, it provides commercial insurance plans. Steven J. Lang established the business in 1990 in the basement of his home. It moved to its present location in 1991 and has grown to more than 20 employees.

  • Life Insurance
  • Health Insurance
  • Group Plans

5344 Highway N, St. Charles, MO 63304
WebsiteLicense: 15875

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Atchison Insurance Agency is a full-service brokerage that serves the risk management needs of individuals and businesses in O'Fallon, Cottleville, Weldon Springs, and the surrounding areas. With access to insurance plans from a number of carriers, including The Hartford, Foremost Insurance Group, MetLife, Progressive, and Bristol West, the independent company is able to provide multiple lines of protection such as life, umbrella, home, renters', and auto insurance. Atchison Insurance Agency has been providing risk management solutions for nearly 40 years.

  • Life Insurance

767 Gravois Road, Fenton, MO 63026
WebsiteLicense: 7384

Expertise.com Rating

Review Sources

Google
5.0 (151)
Facebook
5.0 (12)

Why choose this provider?

Siebert Agency Ltd. is an independent insurance company that serves O'Fallon and the surrounding areas. Its team helps clients in different areas, including individual life insurance which may be used for inheritance, taxes, and charitable contributions. The agents have access to policy options from a number of providers such as Safeco, MetLife, and Progressive. Moreover, they offer home, auto, and pet insurance. Siebert Agency is owned by Bill Siebert, a risk management specialist with over 30 years of experience.

  • Life Insurance
  • Health Insurance

1717 Hidden Creek Court, St. Louis, MO 63131

Expertise.com Rating

Why choose this provider?

The Bar Plan is an insurance company serving clients in O'Fallon. As a Bar-related insurance company, its services include group term life insurance and accidental death and dismemberment insurance for lawyers who want to build a better practice. Other products include malpractice insurance, lawyers' business owner's insurance, workers' compensation, and court bonds. Serving lawyers since 1986, The Bar Plan is the only lawyers' professional liability company endorsed by both The Missouri Bar and the Tennessee Bar Association.

  • Life Insurance

1022 Peruque Crossing Court, O'Fallon, MO 63366
WebsiteLicense: 8006852

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

Located in O'Fallon, Denny & Associates, Inc., is an insurance agency that has been in the business since 1982. It helps customers protect their families by offering term and permanent life insurance plans. Moreover, it provides dental, disability, individual health, long-term care, and vision insurance policies. Kelly Rector, the firm's president, has been working in the insurance industry for over 25 years. Besides being an insurance broker, she is an employee benefits consultant who is a member of the National Association of Health Underwriters.

  • Life Insurance
  • Health Insurance

34 North Gore Avenue, Webster Groves, MO 63119
WebsiteLicense: 395659

Expertise.com Rating

Review Sources

Facebook
4.0 (104)

Why choose this provider?

James Carlton is a life insurance agent associated with StateFarm that serves O'Fallon and the nearby locations. Some of the products he offers are term life insurance, whole life insurance, and universal life insurance policies. He also offers other insurance products like auto, home, property, health, and pet insurance. James is a five-time Chairman's Circle qualifier for his work as an insurance agent. He is also actively involved in the community as he is a past president of the Rotary Club of Webster Groves and serves on the board of directors at NAIFA.

  • Life Insurance
  • Health Insurance

11880 Gravois Road, St. Louis, MO 63127
WebsiteLicense: 946019

Expertise.com Rating

Review Sources

Facebook
5.0 (12)
Google
4.0 (8)
Yelp
5.0 (2)

Why choose this provider?

Bene'-Kelly Insurance Agency is an independent firm offering life and health insurance plans for clients in O'Fallon. The agency has been serving customers for more than six decades, representing several insurance companies to bring clients various options. Its life insurance specialists help individuals find a policy that caters to their unique needs. They also assist clients in updating their policies to adapt to different life changes. Bene'-Kelly Insurance Agency is affiliated with Trusted Choice and a member of the Consolidated Insurance Associates.

  • Life Insurance

8429 Olive Boulevard, St. Louis, MO 63132
WebsiteLicense: 189303

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

Ken Kaid is a State Farm insurance agent who offers insurance services for clients in O'Fallon and St. Louis areas and is a member of the National Association of Insurance & Financial Advisors. Kaid and his team manage everyday risks, recover from an unexpected tragedy, and meet financial goals of clients. They provide life insurance policies that safeguard the policyholder and loved ones from death or disability. Their insurance plans help cover essential expenses, including children's tuition and mortgage fees.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

1405 Jungermann Road, St. Peters, MO 63376
WebsiteLicense: 8073395

Expertise.com Rating

Review Sources

Facebook
5.0 (46)
Google
4.0 (43)

Why choose this provider?

Based in O'Fallon, Mathenia Insurance Group is an independent agency that offers life, health, home & renters, and business and commercial coverage options. It also offers personal and commercial auto insurance, general liability, and workers' compensation coverage plans. With 30 years of collective experience, its agents can advise clients on insurance policies that have competitive premiums, maximum benefits, and convenient claims processing procedures. The firm is affiliated with a number of insurance carriers that offer reliable insurance products with customized plans for each specific client.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Midwest Agency
8917 Veterans Memorial Parkway, O'Fallon, MO 63366
DeWitt Insurance
510 Huber Park Court, Weldon Spring, MO 63304
GlobalGreen Insurance Agency
995 Cool Springs Industrial Drive, O'Fallon, MO 63366
Insurance Brokers Group
18118 Chesterfield Airport Road, Chesterfield, MO 63005
Alternatives Insurance
206 West Terra Lane, O'Fallon, MO 63366
Brian Procter
232 Vance Road, Valley Park, MO 63088
Lang Insurance
3920 Old Highway 94 South, Saint Charles, MO 63303
Atchison Insurance Agency
5344 Highway N, St. Charles, MO 63304
Siebert Agency Ltd.
767 Gravois Road, Fenton, MO 63026
The Bar Plan
1717 Hidden Creek Court, St. Louis, MO 63131
Denny & Associates, Inc.
1022 Peruque Crossing Court, O'Fallon, MO 63366
James Carlton
34 North Gore Avenue, Webster Groves, MO 63119
Bene'-Kelly Insurance Agency
11880 Gravois Road, St. Louis, MO 63127
Ken Kaid
8429 Olive Boulevard, St. Louis, MO 63132
Mathenia Insurance Group LLC
1405 Jungermann Road, St. Peters, MO 63376

FAQs

  • What in O'Fallon is the difference between universal and variable life insurance?

    Universal life insurance policies in O'Fallon are permanent plans that have adjustable premiums that change depending on factors like ability to pay. A variable life insurance contract is similar but has a customizable investment component that allows the contracting parties to decide which investment products to use to grow death benefits.

  • What in O'Fallon is the appropriate life insurance product for one who wishes to support children through school?

    In O'Fallon, the appropriate life insurance product for seeing a kid through school is a term-life one. There is no need, in general, to cover the insured's whole life when the kid will only take a decade or so to complete their studies. Obtaining a permanent policy would be too much coverage.

  • What in O'Fallon is the cash value of an insurance policy?

    The cash value of life insurance policies in O'Fallon refers to the savings component of permanent life plans. In these products, the contracting parties may withdraw from the cash value if there is a need for money while the insured is alive. The downside to early withdrawals is that there is a reduction in the death benefit.

  • What are decent reasons in O'Fallon to review a life insurance policy?

    It is a good idea in O'Fallon to review a life insurance policy when there are major changes in one's life that require updating the plan. Getting married may necessitate changing beneficiaries to one's wife while getting divorced would require removing the ex-spouse. The same is true for other changes like having kids.

  • What is meant when people in O'Fallon say that the death benefit of a life insurance policy is tax-free?

    When it is said in O'Fallon that the death insurance benefits of a life insurance policy are tax-free, it means that there is no income tax charged on the appreciated value of the death benefit. Death benefits grow the longer a person lives because of the accumulated premiums paid. There is nothing due to the government on this accumulation when the sums are withdrawn upon death.

  • 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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