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Best Life Insurance Companies in Saint Joseph

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2023
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Benchmark Insurance Agency logo
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License Verified:

License: 8007613

Missouri Department of Insurance

Benchmark Insurance Agency

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1401 Frederick Avenue, Saint Joseph, MO 64501
  • Life Insurance
  • Health Insurance

Business Description

Benchmark Insurance Agency is an independent agency providing varied insurance options for Saint Joseph residents. It partners with multiple carriers and works with clients individually to help them connect with the appropriate insurance products that fit their needs. Benchmark Insurance Agency primarily offers life insurance encompassing term (which provides protection for a set period of time) and permanent insurance (which provides lifelong protection). It also provides long-term care insurance for senior clients, as well as short-term and long-term disability insurance.

License Verified:

License: 8007613

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 (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
Chris Taylor logo
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License Verified:

License: 144557

Missouri Department of Insurance

Chris Taylor

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1642 Main Street, Atchison, KS 66002
  • Life Insurance
  • Health Insurance

Business Description

Chris Taylor is a State Farm insurance agent who has been in the industry since 2001. He is a lifelong resident of Atchison and serves clients in Saint Joseph. Chris offers term, whole, and universal life insurance plans. He also provides health, auto, homeowners', renters', and business insurance policies as well as mutual funds, annuities, and banking solutions. Chris has completed his bachelor of science degree in business and marketing and is a former president of the National Association of Insurance and Financial Advisors.

License Verified:

License: 144557

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 (10)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Clear View Insurance Specialists logo
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License Verified:

License: 8134886

Missouri Department of Insurance

Clear View Insurance Specialists

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3849 Frederick Avenue, Saint Joseph, MO 64506
  • Life Insurance
  • Health Insurance

Business Description

Clear View Insurance Specialists is a locally owned insurance agency that serves clients in the Saint Joseph area. The agency's team of insurance specialists offers a wide variety of insurance products, which ranges from life insurance, health insurance, and personal insurance to auto insurance, homeowners' insurance, and business insurance. Clear View Insurance Specialists represents various companies such as Allied Insurance, Liberty Mutual, MetLife, and Safeco Insurance. Its website provides clients 24/7 access for policy change requests and filing claims.

License Verified:

License: 8134886

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
Facebook
5.0 / 5 (24)
Google
5.0 / 5 (14)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
DeVoy-Baker Insurance logo
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License Verified:

License: 283836

Missouri Department of Insurance

DeVoy-Baker Insurance

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3715 Beck Road, Saint Joseph, MO 64506
  • Life Insurance

Business Description

DeVoy-Baker Insurance is a full-service independent agency that has been serving the residents of Saint Joseph and its surrounding areas since 1993. It offers life insurance policies with term, universal, and individual options. Single premium, annuity, tax-deferred, and return of premium plans are also available. In addition, DeVoy-Baker Insurance deals with other products, such as personal, health, and commercial insurance. John Riddle, the owner of the Saint Joseph branch, leads a team of agents committed to assisting clients in choosing the right insurance plan.

License Verified:

License: 283836

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 (5)
Facebook
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Dickens Insurance Agency logo
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License Verified:

License: 8013882

Missouri Department of Insurance

Dickens Insurance Agency

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1807 South Belt Highway, Saint Joseph, MO 64507
  • Life Insurance

Business Description

Dickens Insurance Agency is a company that has been serving customers in Saint Joseph and the surrounding areas for more than 35 years. It is an independent agency that strives to provide its clients with policies that fit their needs through its varied products, which include life, health, and auto insurance. Home, boat, and motorcycle insurance plans are also available, as well as policies that cover workers' compensation. The insurance carriers that the company works with include Progressive, Travelers, and Foremost Insurance Group.

License Verified:

License: 8013882

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 (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
Eric Brumback logo
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License Verified:

License: 8012689

Missouri Department of Insurance

Eric Brumback

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2307 North Belt Highway, Saint Joseph, MO 64506
  • Life Insurance
  • Health Insurance

Business Description

Eric Brumback is a State Farm insurance agent in Saint Joseph since 1990. His team holds over 70 years of combined industry experience and has been providing individuals with a wide array of insurance products, including life insurance plans. He also offers auto, business, home, and property insurance packages. He handles investments through annuities along with banking services. Brumback is a member of the Saint Joseph Chamber of Commerce and the Saint Joseph Regional Association of Realtors.

License Verified:

License: 8012689

Missouri Department of Insurance

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
Haley Black logo
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License Verified:

License: 257689

Missouri Department of Insurance

Haley Black

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3801 Oakland Avenue, Saint Joseph, MO 64506
  • Life Insurance
  • Health Insurance

Business Description

Haley Black is a State Farm insurance agent servicing Saint Joseph. With 23 years of industry experience, she provides term, whole, and universal life insurance coverage options to individuals and their families. The policies are also available for small businesses for different purposes, such as business continuation, key employees, employee benefits, and key employee incentives. Black and her team also offer home, auto, health, and insurance. Moreover, they assist individuals with their retirement and wealth planning needs.

License Verified:

License: 257689

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.
4.2
Google
4.0 / 5 (22)
Facebook
5.0 / 5 (11)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Logan Financial Services logo
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License Verified:

License: 118983

Missouri Department of Insurance

Logan Financial Services

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400 Jules Street, Saint Joseph, MO 64501
  • Life Insurance

Business Description

Logan Financial Services is a full-service insurance company serving clients in Saint Joseph. Its founder, Curt Logan, is a Registered Representative of NYLIFE Securitites LLC. He started his career in the industry in 1990, catering to individuals, families, and businesses, providing them insurance options intended to protect their financial future. Such products include term, whole, and universal life insurance, in addition to retirement income, long-term care, and investments coverage. Moreover, Logan is a member of the Securities Investor Protection Corporation.

License Verified:

License: 118983

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
Facebook
5.0 / 5 (6)
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
Makison Insurance & Retirement logo

License Verified:

License: 8411128

Missouri Department of Insurance

Makison Insurance & Retirement

2411 North Woodbine Road, Saint Joseph, MO 64506
  • Life Insurance

Business Description

Makison Insurance & Retirement is an independent agency that has been operating in Saint Joseph for more than two decades. It offers life insurance plans for seniors regardless of their state of health. Its duo of independent brokers, Jerry and Nancy Makison, conducts assessments with clients to determine their needs and present tailored solutions. Their services also include IRA, Medicare, and estate protection. Clients can contact the agency via phone, email, and the contact form available on its website.

License Verified:

License: 8411128

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.
4.6
Google
4.0 / 5 (10)

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
Rea Laflin logo
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License Verified:

License: 230785

Missouri Department of Insurance

Rea Laflin

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101 South 5th Street, Atchison, KS 66002
  • Life Insurance
  • Health Insurance

Business Description

Rea Laflin is a State Farm insurance agent that caters to residents and families in Saint Joseph and neighboring areas. Laflin provides clients with common types of life insurance plans, including term life insurance, whole life insurance, and universal life insurance. He also offers programs for health, home, auto, and business insurance. Rea has been a State Farm insurance agent since 1996. Previously, he worked with State Farm's claims department as a claims superintendent for 12 years.

License Verified:

License: 230785

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
Facebook
5.0 / 5 (10)

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.