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Best Life Insurance Companies in Springfield

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Affordable Insurance logo
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License Verified:

License: 8409112

Missouri Department of Insurance

Affordable Insurance

635 Highway 62 East, Springfield, MO 72653
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  • Life Insurance
  • Health Insurance

Business Description

Established in 1995, Affordable Insurance delivers a variety of insurance products for individuals and corporate clients in Springfield. Its professionals help family members secure life, classic cars, as well as flood and earthquake insurance policies. Its network of carriers also includes Encompass, The Hanover Insurance Group, and Safeco Insurance. In 2008, the company was featured in Forbes Magazine for being selected by Goldline Research as one of the Most Dependable Insurance Brokers in the country.

License Verified:

License: 8409112

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 (7)

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
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Benefits Unlimited, Inc. logo
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License Verified:

License: 10296

Missouri Department of Insurance

Benefits Unlimited, Inc.

3032 South Fremont Avenue, Springfield, MO 65804
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  • Life Insurance
  • Health Insurance

Business Description

Benefits Unlimited, Inc. is an individual and group medical insurance brokerage firm located in Springfield. It provides a wide range of individual insurance coverage for personal and commercial clients, such as life insurance, key-man life insurance, dental coverage, short-term care, fixed indemnity, and travel insurance. Critical illness, cancer, disability, and accident insurance are also available. The company also offers coverage for group health and employee benefits. Agents in Benefits Unlimited, Inc. have over 100 years of combined experience.

License Verified:

License: 10296

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 (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
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Detail
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Bill White Insurance Agency logo
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License Verified:

License: 93530

Missouri Department of Insurance

Bill White Insurance Agency

4650 South National Avenue, Springfield, MO 65810
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  • Life Insurance

Business Description

Bill White Insurance Agency is a second-generation business providing insurance services to Springfield. Its team members help individuals plan for the future of their families by offering life insurance products, including whole and universal life insurance. They also provide term life insurance for clients who want to receive benefits for a limited time. The agency was established in 1964 by Bill and Becky White. Moreover, it also represents insurance carriers like Liberty Mutual, Thimble, The Bar Plan, and Cowbell Cyber.

License Verified:

License: 93530

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 (16)

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
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Dan Waisner logo
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License Verified:

License: 8023740

Missouri Department of Insurance

Dan Waisner

717 West Battlefield Road, Springfield, MO 65807
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  • Life Insurance
  • Health Insurance

Business Description

Dan Waisner has been an insurance agent with State Farm since 2007. His office is based in Springfield, serving clients in the local community. Through State Farm, he offers life insurance plans that provide financial security to the policyholders and their beneficiaries. These can help pay off debts, college expenses, and mortgages. Clients also have options that include term life, whole life, and universal life insurance plans. As an agent, Waisner also assists in making changes to existing policies and filing insurance claims.

License Verified:

License: 8023740

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 (56)

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
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DFG Insurance logo
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License Verified:

License: 8020042

Missouri Department of Insurance

DFG Insurance

1550 East Battlefield Road, Springfield, MO 65804
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  • Life Insurance
  • Health Insurance

Business Description

DFG Insurance is an insurance agency catering to clients in Springfield since 2005. It represents a wide range of insurance carriers to find the right insurance coverage for its clients. Its life insurance products include term, universal, whole, and guaranteed issue. The agency also provides Medicare Advantage, Medicare Supplements, and Plan D. dental and vision insurance plans. Other offerings include coverage on disability, long-term and short-term care, international travel, critical illness, and employer group insurance.

License Verified:

License: 8020042

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
Facebook
4.0 / 5 (24)
Google
4.0 / 5 (17)
Yelp
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
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Fortner Insurance Services logo
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License Verified:

License: 3097

Missouri Department of Insurance

Fortner Insurance Services

1519 East Sunshine Street, Springfield, MO 65804
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  • Life Insurance
  • Health Insurance

Business Description

Fortner Insurance Services offers life insurance solutions to clients in Springfield. The business caters to individuals, families, and business owners, providing life insurance coverage to help clients protect and provide for their loved ones in their time of need. Its additional products include health, disability, homeowners, and auto insurance. Fortner Insurance Services serves various businesses and organizations, including Harmony House and the Trux Trailer and Tractor Repair. Moreover, it represents several carriers, such as American Modern, Cameron Mutual, and Hagerty.

License Verified:

License: 3097

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 (9)
Facebook
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
Hometown Benefits Group logo
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License Verified:

License: 8024349

Missouri Department of Insurance

Hometown Benefits Group

2769 West Lark Street, Springfield, MO 65810
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  • Life Insurance
  • Health Insurance

Business Description

Hometown Benefits Group is a company offering life insurance plans to individuals and families living in Springfield and the surrounding areas. This independent insurance agency is also a provider of fixed annuities as well as home, auto, dental, health, and Medicare insurance plans. In addition, the professionals at Hometown Benefits Group can help clients with financial planning. It also offers insurance solutions for victims of accidents, as well as patients with cancer and critical illnesses.

License Verified:

License: 8024349

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.
4.9
Google
4.0 / 5 (28)
Facebook
5.0 / 5 (15)

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
Jones & Company Insurors logo
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License Verified:

License: 2861

Missouri Department of Insurance

Jones & Company Insurors

3130 South Fremont Avenue, Springfield, MO 65804
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  • Life Insurance

Business Description

Jones & Company Insurors has been serving Springfield and the entire Ozarks since 1982. It is an insurance brokerage firm specializing in life insurance plans. On top of that, it also focuses on securing insurance policies for homeowners, businesses, and automobiles. The insurance agency represents national carriers, such as Safeco, The Hartford, and Progressive. Its current owner, Brett Peterman, has 13 years of experience in the insurance industry. Peterman purchased Jones & Company Insurors from one of the founders in 2013.

License Verified:

License: 2861

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 (58)
Facebook
5.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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Kern Insurance Services, LLC logo
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License Verified:

License: 8025144

Missouri Department of Insurance

Kern Insurance Services, LLC

3015 South Fort Avenue, Springfield, MO 65807
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  • Life Insurance
  • Health Insurance

Business Description

With more than 35 years of experience, Kern Insurance Services, LLC delivers a broad range of insurance products and services to clients in Springfield. It offers various types of life insurance products such as term life, whole life, and final expense. The company also provides home health care, short-term and long-term health care, dental insurance, cancer insurance, disability income, and major medical insurance. In addition, president and CEO Amy R. Kern grew up in the insurance industry working with her father during her teen years.

License Verified:

License: 8025144

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 (8)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Kyle Insurance Service Inc logo
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License Verified:

License: 3606

Missouri Department of Insurance

Kyle Insurance Service Inc

1342 East Kingsley Street Suite B, Springfield, MO 65804
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  • Life Insurance
  • Health Insurance

Business Description

Kyle Insurance Service Inc is a family-owned and family-operated agency that delivers insurance products and solutions to clients in Springfield. It partnered with several companies that offer term and whole life insurance. Additionally, it provides dental insurance, hospital insurance, health insurance, annuities, long-term care insurance, and home health care insurance. Jack Kyle started Kyle Insurance Service Inc 60 years ago when he got out of the U.S. Navy and became an insurance agent. His sons Rick and Kent and grandson Adam still operate the business.

License Verified:

License: 3606

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)
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
Maureen Darby logo
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License Verified:

License: 8379548

Missouri Department of Insurance

Maureen Darby

16208 Missouri 13, Branson West, MO 65737
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  • Life Insurance
  • Health Insurance

Business Description

Maureen Darby is a full-service insurance agent of State Farm providing insurance and financial services to individuals, families, and businesses in the Springfield area. With over 37 years of industry experience, she offers a variety of insurance products to clients who are looking into getting their properties, homes, health, and life insured. Darby and her team assists with all aspects of life insurance planning, including selecting the right policy, changing policy details, and submitting of insurance claims.

License Verified:

License: 8379548

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 (42)

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
Mid-Missouri Insurance Agency logo
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License Verified:

License: 267

Missouri Department of Insurance

Mid-Missouri Insurance Agency

5419 South Campbell Avenue, Springfield, MO 65810
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  • Life Insurance
  • Health Insurance

Business Description

Since its establishment in 1921, Mid-Missouri Insurance Agency has been offering business and personal insurance services to the residents of Springfield and the surrounding communities. It provides life insurance solutions, including term life, whole life, and universal life policies. It also provides mortgage protection and annuities coverage. Other specialty products offered by the company are motorcycle, boat, RV, and classic and antique auto insurance. Businesses can also choose from several plans like business auto, BOPs, workers' compensation, and umbrella policies.

License Verified:

License: 267

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 (20)

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
Modern Options Insurance logo
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Modern Options Insurance

1444 East Bradford Parkway, Springfield, MO 65804
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  • Life Insurance
  • Health Insurance

Business Description

Modern Options Insurance is an independent and full-service insurance management company that serves residential and commercial clients in Springfield and its surrounding cities. The business provides life insurance plans that include term life and whole life policies. It also offers health, home, auto, and commercial liability insurance plans. The company's team of independent insurance agents assists each client in obtaining a suitable coverage plan that fits their needs and requirements. Modern Options Insurance also provides Medicare supplement plans and prescription drug coverage.

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)

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
Nixon & Lindstrom Insurance logo
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License Verified:

License: 289686

Missouri Department of Insurance

Nixon & Lindstrom Insurance

901 East Battlefield Road, Springfield, MO 65807
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  • Life Insurance
  • Health Insurance

Business Description

Nixon & Lindstrom Insurance is a full-service independent insurance agency that has been serving Springfield since 1955. It employs a specialized multi-line approach, allowing its team to build fully personalized insurance packages with a broad variety of carriers and effectively lock in on premiums, payouts, and policy terms. It offers flexible life insurance plans, providing options for term, whole, universal, variable, and variable universal life coverage. Nixon & Lindstrom also provides personal umbrellas, disability income insurance, health insurance plans, and dental and vision coverage.

License Verified:

License: 289686

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
Facebook
5.0 / 5 (27)
Google
4.0 / 5 (20)

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
––
Ollis/Akers/Arney logo
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License Verified:

License: 64964

Missouri Department of Insurance

Ollis/Akers/Arney

2274 East Sunshine Street, Springfield, MO 65804
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  • Life Insurance

Business Description

Ollis/Akers/Arney is an insurance and business consulting company with an office in Springfield. It caters to the risk assessment and reduction needs of individuals and businesses for over 100 years. Dedicated to providing the most appropriate placement and coverage to its clients, Ollis/Akers/Arney focuses on building relationships with established insurance companies. For life insurances, it guides clients in choosing the insurance option based on their financial goals. Aside from life insurance, it also offers home, auto, and umbrella insurance.

License Verified:

License: 64964

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 (8)
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
OneSource logo
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License Verified:

License: 8024506

Missouri Department of Insurance

OneSource

5315 North Town Centre, Ozark, MO 65721
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  • Life Insurance

Business Description

OneSource is a life insurance company serving clients in Springfield and the surrounding areas. It helps clients purchase or plan their insurance options, including life, auto, home, and business insurance. The professionals in the company hold one-on-one consultations with clients to determine their financial goals and create a personalized plan. OneSource works with various carriers, including Encompass, MetLife, and Progressive. Its CEO Mark Acre is a member of the board of trustees for the National Association of Insurance and Financial Advisors.

License Verified:

License: 8024506

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.
4.1
Google
4.0 / 5 (75)
Facebook
5.0 / 5 (6)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Pillar Insurance logo
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License Verified:

License: 8377064

Missouri Department of Insurance

Pillar Insurance

2847 South Ingram Mill Road, Springfield, MO 65804
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  • Life Insurance

Business Description

Pillar Insurance is a full-service brokerage that serves individuals, families, and businesses in Springfield. Included in its line of products is life insurance, which can provide protection for a specific number of years. The independent agents review policies from multiple providers in order to find protection plans that cover clients' unique risks, needs, and situations. In addition to life insurance, they furnish home, auto, and aviation policies. Pillar Insurance also has an office in Lebanon.

License Verified:

License: 8377064

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 (18)
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
PJC Insurance Agency, LLC logo
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PJC Insurance Agency, LLC

1801 West Norton Road, Springfield, MO 65803
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  • Life Insurance

Business Description

PJC Insurance Agency, LLC, provides individual and group life insurance policies in Springfield. It also handles auto, home, medical, and general liability insurance plans. Moreover, it represents over 120 national insurance carriers, which makes it capable of providing coverage options to fit the needs of its clients. PJC Insurance Agency has more than 50 years of experience in the industry, and it delivers its products to 17 states across the country. It strives to fulfill its vision of offering trusted and professional services.

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 (16)

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
Premier Choice Agency logo
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License Verified:

License: 8463867

Missouri Department of Insurance

Premier Choice Agency

636 West Republic Road, Springfield, MO 65807
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  • Life Insurance
  • Health Insurance

Business Description

Premier Choice Agency is an independent insurance agency that serves the residents of Springfield and the surrounding areas. It provides clients with term life insurance and whole life insurance. It also offers other personal insurance products, such as homeowners' insurance, auto insurance, motorcycle insurance, and boat and watercraft insurance. Founder and CEO Marilee Ann Daugherity has been working in the insurance industry for more than 20 years. She is also the founder of Independent Insurance Agency Academy.

License Verified:

License: 8463867

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 (84)
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Scott Loveland Insurance, LLC. logo
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License Verified:

License: 8015944

Missouri Department of Insurance

Scott Loveland Insurance, LLC.

2332 West Kingsley Street, Springfield, MO 65807
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  • Life Insurance

Business Description

Established in 2008, Scott Loveland Insurance, LLC, is an independent insurance agency that serves clients in Springfield. It offers term, universal, and whole life insurance policies, helping customers prepare for unforeseen circumstances. Additionally, it provides auto, cyber liability, home, renters', and umbrella insurance products. The firm represents various carriers, including Hagerty, Liberty Mutual, and MetLife. Scott Loveland, the owner, has been working in the insurance industry for around 30 years. He holds a bachelor's degree in Business Administration, with a major in Management.

License Verified:

License: 8015944

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 (42)
Facebook
5.0 / 5 (10)
Secure Insurance Group logo
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License Verified:

License: 8313873

Missouri Department of Insurance

Secure Insurance Group

3506 South Culpepper Circle, Springfield, MO 65804
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  • Life Insurance
  • Health Insurance
  • Whole Life Insurance
  • Term Life Insurance

Business Description

Secure Insurance Group is an independent agency representing multiple insurance carriers that offers life insurance plans to clients around the Springfield area and its neighboring communities. Established in 2014, the agency assists individuals, families, and business owners in finding insurance plans that provide coverage to fulfill their objectives. The most common life insurance plans it assists with are term life, whole life, guaranteed universal, or indexed universal life insurance. It also offers other types of insurance such as health and long-term care policies.

License Verified:

License: 8313873

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.
4.9
Google
4.0 / 5 (46)
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.
4.0
Responsiveness
Friendliness
Helpfulness
––
Detail
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The Resource Center logo
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License Verified:

License: 8476798

Missouri Department of Insurance

The Resource Center

1304 East Kingsley Street, Springfield, MO 65804
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  • Life Insurance
  • Health Insurance

Business Description

The Resource Center is an independent agency that started in 2001. The company caters to individuals and families who are seeking suitable insurance policies in Springfield and other nearby areas. Its life insurance coverage includes term life, whole life, and indexed universal life. Its financial professionals will conduct an initial assessment regarding the clients' concerns and priorities to guide them on creating a comprehensive plan. The company also provides homeowners and property, auto, health, and business insurance.

License Verified:

License: 8476798

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
Yelp
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
Back to Providers

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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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