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Best Life Insurance Companies in Ofallon

2024

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Website
8917 Veterans Memorial Parkway, O'Fallon, MO 63366
  • Life Insurance
  • Health Insurance

Why choose this provider?

Established in 1991, Midwest Agency is an independent insurance agency that provides life insurance products to individuals and businesses in Ofallon and the surrounding communities. The company specializes in personal and business insurance, which includes employee benefits. Life insurance options include fixed annuities, disability, whole, term, universal, and variable coverage. Midwest Agency staff also handles personal asset protection for automobiles, motorcycles, pets, recreational vehicles, and identity theft. It offers performance, payment, bid, and license bonds for businesses.

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.
4.1
Google
4.0 / 5 (18)
Facebook
5.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
995 Cool Springs Industrial Drive, O'Fallon, MO 63366
  • Life Insurance
  • Health Insurance

Why choose this provider?

Global Green Insurance Agency shops for life insurance policies for its clients in O'Fallon. The independent agency analyzes life insurance plans from over 30 insurance carriers to determine the best option for its customers. Its agents assist in making sure that the beneficiaries are financially protected and their living expenses, payables, educational costs, and other financial liabilities are covered in the event of the policyholder's death. Global Green Insurance Agency also offers health, auto, homeowners', and business insurance.

License Verified:

License: 250647

Missouri Department of 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.
4.0
Google
4.0 / 5 (6)

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
56 Crossroads Plaza, O'Fallon, MO 63368
  • Life Insurance

Why choose this provider?

Corey Tucker is an insurance agent with Missouri Farm Bureau Insurance who provides a wide range of risk management solutions to clients in Ofallon. He offers multiple life insurance options to meet the needs of his clients. Other personal insurance options include auto, home, and umbrella liability insurance. He can also assist with annuities and retirement planning. Corey Tucker also works with commercial clients, providing insurance coverage for farms, ranches, and part-time or full-time businesses.

License Verified:

License: 8367192

Missouri Department of 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.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 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

Website
2930 State Highway K, O'Fallon, MO 63368
  • Life Insurance
  • Health Insurance

Why choose this provider?

Julie Meyers is an O'Fallon State Farm agent who provides individuals and families with life insurance products. She and her team help clients choose the right coverages that offer financial security in the event of a loss of life. Some of the policies that are available are term life insurance, whole life insurance, and universal life insurance. Julie can also help with condo, renters, motorcycle, boat insurance, and financial services for those investing in retirement.

License Verified:

License: 396041

Missouri Department of 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.
4.3
Google
4.0 / 5 (26)
Facebook
5.0 / 5 (12)

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
232 Vance Road, Valley Park, MO 63088
  • Life Insurance
  • Health Insurance

Why choose this provider?

Brian Procter is an American Republic Insurance Services representative that serves the residents of O'Fallon and its surrounding areas. He aids his clients in making informed decisions about their life insurance and also assists in developing customized insurance programs for them. He also helps them understand the risks and weigh the coverage plan options of the numerous companies he represents and works with. Procter also offers health insurance, retirement insurance, and product solutions for financial security.

License Verified:

License: 8462791

Missouri Department of 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.
5.0
Google
5.0 / 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

Website
2017 State Highway K, O'Fallon, MO 63366
  • Life Insurance
  • Health Insurance

Why choose this provider?

Mid America Insurance Services, LLC is an insurance agency catering to its clients in Ofallon and other areas. It offers life, auto, home, motorcycle, motor home, health, watercraft, and commercial insurance to clients and businesses. It also provides workers' compensation insurance to employees of businesses. The companies represent several insurance carriers such as Allied, Hartford, Safeco, and Travelers Insurance. Its licensed insurance agents have the skills and knowledge to assist each client with their insurance policy needs.

License Verified:

License: 8349401

Missouri Department of 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.
5.0
Google
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
100 Mall Parkway, Wentzville, MO 63385
  • Life Insurance
  • Whole Life Insurance

Why choose this provider?

North Star Insurance Advisors is an insurance company that serves the residents of O'fallon and the surrounding areas. It offers final expense insurance plans over the phone. It has been named by the Insurance National Convention in Whistler as one of the top 3 independent marketing organizations. In 2020, it joined the Inc. 5000 as one of the country's fastest-growing companies. The North Star Insurance Advisors team has a combined experience of more than 50 years in the insurance industry.

License Verified:

License: 8351609

Missouri Department of 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.
4.0
Google
4.0 / 5 (92)
Facebook
4.0 / 5 (30)

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.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
5344 Hwy N, St Charles, MO 63304
  • Life Insurance

Why choose this provider?

Atchison Insurance Agency is a local insurance company serving customers in Ofallon. Through a life insurance policy, the company assists individuals in maintaining their loved ones' current standard of living. Life insurance from the company can be used to pay off mortgages, college tuition, and final expenses. As an independent insurance brokerage, the team represents different providers to provide clients with the most coverage options. The company has been insuring individuals and businesses since 1982.

License Verified:

License: 15875

Missouri Department of 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.
5.0
Google
5.0 / 5 (5)
Facebook
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
1405 Jungermann Road, St. Peters, MO 63376
  • Life Insurance

Why choose this provider?

Mathenia Insurance Group LLC is a company that serves clients in the Ofallon area. The firm offers comprehensive life insurance policies to help clients protect their families and loved ones who depend on them financially. Its policies can be used to create an inheritance, pay federal death and estate taxes, and cover final expenses. Mathenia Insurance Group has been in the industry for over three decades. Its senior managing partner, Dave Mathenia, started his career in the field as a sales associate in 1979.

License Verified:

License: 8073395

Missouri Department of 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.
4.5
Facebook
5.0 / 5 (46)
Google
4.0 / 5 (43)

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
510 Huber Park Court, Weldon Spring, MO 63304
  • Life Insurance

Why choose this provider?

As an Ofallon-based company, DeWitt Insurance is an independent insurance agency founded by Charlie DeWitt in 1925, the owner of St Louis Browns. With combined 100 years of working experience in the insurance industry, the firm offers interested customers flexible insurance coverage plans on life, automobile, homeowners', renters', health, and disability. DeWitt Insurance can also gives insurance recommendations on workers' compensation, insurance bonds, commercial automobile, business property, professional and cyber liability, and group benefits. Their simplified and quick rate quotes are the aspects previous clients love about their service.

License Verified:

License: 8015090

Missouri Department of 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.
5.0
Google
5.0 / 5 (210)
Facebook
5.0 / 5 (72)

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

  • What happens when an O'Fallon resident's life insurance agency goes bankrupt?

    If your insurer goes out of business, your claim will be paid by the Missouri Life & Health Insurance Guaranty Association, which is similar to the FDIC for banks. This firm gets its funding from insurance agencies operating in the state. The Guaranty Association will pay the $150,000 death benefit if you pass away if, for instance, your insurer in O'Fallon has a life insurance policy on you with a $150,000 death benefit.

  • Which government agency in O'Fallon handles complaints against life insurance companies?

    You can take up your complaint with the Division of Consumer Affairs within the Missouri Department of Commerce & Insurance. The Division is responsible for investigating consumer grievances against insurers and agents and providing information to policyholders. O'Fallon residents may call the Division at 800-726-7390 to raise general questions about life insurance matters. They may also file their complaints online through https://sbs.naic.org/solar-web/pages/public/onlineComplaintForm/onlineComplaintForm.jsf?state=MO&dswid=2056.

  • Is suicide covered by life insurance in O'Fallon?

    Life insurance policies discourage policyholders from having a financial motive to commit suicide, thus the suicide clause in a life insurance policy states that if the policyholder commits suicide within the first two years of obtaining the policy, no death benefits will be paid out. After the exclusion period, beneficiaries are entitled to a death benefit irrespective of the cause of death. The coverage for suicide may depend on the type of policy. Speak with an experienced insurance agent in O'Fallon for more information about the clause.

  • Can an insurer in O'Fallon deny a life insurance claim if the beneficiary was not legally assigned?

    Yes. A life insurance claim in O'Fallon may be denied if the policy has not been correctly assigned or transferred to the intended beneficiary. In the absence of a valid beneficiary designation, the policyholder's estate may receive the life insurance proceeds instead of the named beneficiary. In addition, the insurance company may deny the claim if the policyholder designated a beneficiary but did not complete the necessary documentation to officially assign or transfer the policy to that individual.

  • Can an O'Fallon resident still change their mind after obtaining a life insurance policy?

    Yes. O'Fallon insurance companies typically allow customers a reasonable period, ranging from seven to 30 days, to cancel their life insurance policies. This is called the "free look" period, and you are entitled to a complete refund of any premiums you have paid if you cancel during this duration. Note that even though insurance providers are not obligated by Missouri law to provide a trial period, any such policy must be applied uniformly and equitably to all similar consumers. Contact your insurance provider or review your policy to see what options are available.

  • 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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