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Best Life Insurance Companies in St. Louis

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2023
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BG Resource Insurance Agency logo

BG Resource Insurance Agency

10720 West Florissant Ave, Saint Louis, MO 63136

Business Description

BG Resource Insurance Agency is an independent agency serving clients throughout the Saint Louis area. Its licensed and experienced coverage specialists help clients understand their health insurance options and make informed decisions regarding individual and family medical coverage and Medicare supplemental, advantage, and prescription plans. The company also works with customers to secure dental, hearing, and vision insurance policies. Other products available include life, final expenses, hospital indemnity, and long-term care insurance 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.
4.8
Google
4.8 / 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
C.J. Thomas Company logo

License Verified:

License: 83998

Missouri Department of Insurance

C.J. Thomas Company

800 Market St # 1655, St. Louis, MO 63101
  • Individual Plans

Business Description

C.J. Thomas Company provides is an independent firm that has been providing services to clients in the St. Louis metro since 1975. It offers life insurance policies and other products, including insurance coverage for personal possessions such as jewelry, mobile homes, watercraft, automobiles, and recreational vehicles. The company assists in customizing options to fit the client's insurance needs in various areas by increasing liability coverage or limit. It also works with different carriers, including Travelers, The Hartford, and Liberty Mutual.

License Verified:

License: 83998

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

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
Clayton Hanley Insurance Service, Inc. logo
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License Verified:

License: 14718

Missouri Department of Insurance

Clayton Hanley Insurance Service, Inc.

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9545 Yuma Drive, St. Louis, MO 63123
  • Life Insurance

Business Description

Clayton Hanley Insurance Service, Inc. is a company that is independently and veteran-owned. It houses a team of insurance professionals who provide services to clients in St. Louis and the surrounding areas. The agents will provide their honest opinions on different policies and coverages to help clients better understand. Clayton Hanley offers a wide range of products such as auto, homeowners, and usage-based insurance. Its life insurance comes in different types such as universal life, term life, and whole life.

License Verified:

License: 14718

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 (29)
Facebook
5.0 / 5 (17)

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
Equity Insurance Group logo
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Equity Insurance Group

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160 E Ferguson Ave, Wood River, IL 62095

Business Description

Equity Insurance Agency is an independent insurance company that serves clients throughout the Saint Louis area. The licensed and experienced agents work with individuals to understand their options and choose a term, whole, or universal life insurance plans. Equity Insurance Agency offers policies through several top carriers, including AIG, American Modern, and Allied Insurance. The company also provides auto, boating, classic car, home, renters, RV, umbrella, and business insurance 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 (36)

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
––
Evelyn Jamison logo
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License Verified:

License: 272649

Missouri Department of Insurance

Evelyn Jamison

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519 N. Taylor Ave., St Louis, MO 63108
  • Life Insurance
  • Health Insurance

Business Description

Evelyn Jamison is a State Farm insurance agent that serves individuals, families, and businesses in the St. Louis metro and the surrounding areas. She offers a wide range of insurance products, including term, whole, and universal life insurance plans. These enable policyholders to protect their families and cover debt settlements, mortgage payments, and the beneficiaries' college expenses. Jamison also provides auto, health, home, pet, and property insurance plans. She holds the Life Underwriter Training Council Fellow designation.

License Verified:

License: 272649

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
3.8 / 5 (32)
Facebook
5.0 / 5 (21)
Yelp
3.0 / 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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Hovis & Associates logo
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Hovis & Associates

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12660 Lamplighter Square Shpg Ctr, Saint Louis, MO 63128

Business Description

Hovis Associates in Saint Louis has been providing insurance products for individuals throughout the area since 1984. They are also Financial advisors and planners. The licensed agents focus on helping beneficiaries with disabilities and people 65 and older navigate Medicare and supplement plans through private companies to increase their coverage. It also works with clients to choose a Medicare advantage plan for extended dental, vision, and hearing benefits. Hovis Associates works with several trusted carriers, including AARP Medicare Supplement Plans, Aetna, Anthem, Humana, and Essence.

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
Independent Brokers Agency logo
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License Verified:

License: 7262

Missouri Department of Insurance

Independent Brokers Agency

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950 Francis Place, Clayton, MO 63105
  • Individual Plans
  • Group Plans
  • Life Insurance

Business Description

Independent Brokers Agency specializes in insurance services for individuals and businesses alike. Based in Clayton, the agency serves clients in St. Louis and its surrounding areas. It offers a wide array of life insurance plans, including end-of-life care and health directive policies, retirement planning, education and investment planning, and Medicare Supplements. It also offers risk management services. This family-owned and family-operated company has been in business for more than 30 years. Company principal Heather Wessels has decades of experience in the insurance industry.

License Verified:

License: 7262

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 (8)

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
––
Insurance Advisors Of St. Louis logo
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Insurance Advisors Of St. Louis

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8050 Watson Road, St. Louis, MO 63119

Business Description

The Insurance Advisors Of St. Louis is a nine-man agency offering different insurance lines to individuals and businesses. Established in 1996, this firm carries boat insurance, medicare products, business insurance, and liability insurance options. Its insurance agents provide personal and commercial insurance choices from insurance companies such as Liberty Mutual, Safeco, State Auto, and Progressive Insurance. For auto insurance, coverages include property damage, bodily injury liability, and collision. The Insurance Advisors Of St. Louis also offers homeowner and renter insurances.

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
4.7 / 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
Insurance Store Inc logo

Insurance Store Inc

1415 Elbridge Payne Rd Ste 230, Chesterfield, MO 63017

Business Description

Insurance Store Inc. is an independent agency serving clients throughout the Saint Louis area. Its licensed agents help clients find healthcare plans that meet their needs and choose between consumer-directed, fee-for-service and managed care, such as HMOs, PPOs, and POS plans. The agency also works with employers to secure the right benefits package for their employers that include medical, dental, and vision insurance. Other coverage options include term, whole, and universal life insurance 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
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Jason Foust logo
Visit WebsiteWebsite

License Verified:

License: 8401304

Missouri Department of Insurance

Jason Foust

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4601 Hampton Avenue, Saint Louis, MO 63109
  • Life Insurance
  • Home and Auto Insurance

Business Description

Jason Foust has been running his agency through State Farm since 2019. He caters to individuals, families, and businesses in St. Louis and the surrounding communities. He provides various types of life insurance plans, such as term, whole, and universal. These products can cover education expenses, debt settlements, and mortgage payments. He also offers commercial auto, health, homeowners', pet, and rental property insurance policies. Foust stays involved in the community by being a member of the Saint Charles First Capitol Lions Club.

License Verified:

License: 8401304

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.
4.8
Google
4.9 / 5 (32)
Facebook
5.0 / 5 (8)
Yelp
3.0 / 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
Justin Foust logo
Visit WebsiteWebsite

License Verified:

License: 8302260

Missouri Department of Insurance

Justin Foust

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5757 Chippewa Street, Saint Louis, MO 63109
  • Home and Auto Insurance
  • Life Insurance
  • Health Insurance

Business Description

Justin Foust is a State Farm insurance which has been serving clients in the St. Louis area since 2012. He provides life insurance policies that can cover everything from funeral costs to future expenses like college tuition. Clients can also get coverage for their cars, along with policies for homeowners and renters. Justin helps business owners protect their investments with a variety of business insurance plans. He also assists clients with getting more coverage through health insurance policies.

License Verified:

License: 8302260

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
4.9 / 5 (117)
Facebook
5.0 / 5 (44)
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
MBhealth logo
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MBhealth

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9700 Mackenzie Rd Ste 101, Saint Louis, MO 63123

Business Description

MBhealth is a health insurance company in Saint Louis. Its goal is to help individuals, families, and employers/employees find the right health care plans for their needs. It also offers health insurance for self-employed customers. Dental and vision plans are available, and Medicare plans, including Advantage and prescriptions plans, are also available. In addition to health insurance, MBhealth sells life insurance in both term and whole life formats. Other insurance products from the agency include long-term care, disability, and travel.

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 (48)

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
Parker Insurance Group logo
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Parker Insurance Group

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762 Lemay Ferry Rd, Saint Louis, MO 63125

Business Description

Parker Insurance Group, Inc. is a full-service independent insurance agency serving the Saint Louis area since 1983. The agency’s team is committed to providing clients with the highest quality insurance plans available at competitive rates. It offers all types of auto, home, and business insurance lines. The company values long-term relationships with its clients and proudly provides families, individuals, and businesses personalized service. It also assists clients through the claims process.

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.
4.7
Google
4.6 / 5 (18)

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
Redmon Insurance Agency logo
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Redmon Insurance Agency

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405 Saint Louis Rd, Collinsville, IL 62234

Business Description

Redmon Insurance Agency is a health insurance company near Saint Louis that prides itself on helping individuals and families find competitive rates on needed coverage. Founded in 1945 and operating from two local offices, the agency has more than 70 years of industry expertise built on service, integrity, and honesty. Health insurance is offered as part of the agency's personal lines insurance, which also includes life, auto, and home 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 (48)
Facebook
5.0 / 5 (14)

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
––
Robert Chalk Jr logo

License Verified:

License: 271065

Missouri Department of Insurance

Robert Chalk Jr

St Louis, MO
  • Life Insurance

Business Description

Robert Chalk, Jr. is an insurance agent that provides services to clients in St. Louis and the surrounding communities. He offers life insurance policies and covers other insurance products, including Medicare, business, health, home, and final expense. As an independent agent, Robert Chalk, Jr. represents various insurance carriers and helps clients customize their insurance coverage according to their financial needs. These carriers include United American Insurance, Foresters, Gerber Life Insurance Company, North American Company, and Instant Life.

License Verified:

License: 271065

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
The Naeger Family Ins Agencies, LLC logo
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License Verified:

License: 8051954

Missouri Department of Insurance

The Naeger Family Ins Agencies, LLC

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4657 Hampton Ave, St. Louis, MO 63109
  • Life Insurance

Business Description

The Naeger Family Ins Agencies, LLC, is a family-operated and family-owned insurance agency that serves families, individuals, and businesses in the St. Louis metro. It offers a wide range of insurance products, such as life, RV and travel trailers, rental buildings, auto, commercial, and workers' compensation insurance. Its team of independent insurance agents represents various sought-out carriers, including American Strategic Insurance, Travelers, and Safeco Insurance. The Naeger Family Ins Agencies managing partner, Brad Naeger, has been working in the industry since 2000.

License Verified:

License: 8051954

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.
4.8
Google
4.7 / 5 (19)
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
U First Insurance Agency logo
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License Verified:

License: 3001186042

Missouri Department of Insurance

U First Insurance Agency

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3407 S Jefferson Ave #181, St. Louis, MO 63118
  • Life Insurance

Business Description

U First Insurance Agency caters to individuals, families, and business owners in the St. Louis metro. It offers a selection of personal lines of insurance, including life policies. The independent company aims to protect policyholders' futures through its insurance coverages. Its agents also help clients obtain homeowners', renters', automobile, motorcycle, and umbrella insurance. They also handle commercial insurance, such as BOP, professional liability, workers' compensation, and contractors' coverage. U First Insurance Agency works with other carriers to create personalized plans.

License Verified:

License: 3001186042

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 (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
Responsiveness
Friendliness
Helpfulness
Detail
United Healthcare logo
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License Verified:

License: 48

Missouri Department of Insurance

United Healthcare

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13655 Riverport Drive, Maryland Heights, MO 63043
  • Life Insurance

Business Description

United Healthcare is an insurance provider under UnitedHealth Group that serves the St. Louis area and the surrounding communities. It offers a full spectrum of health benefit programs for clients that can be obtained by Medicare and Medicaid beneficiaries, individuals, and employers. It contracts with over 1.3 million physicians and healthcare professionals and 6,500 hospitals and care facilities nationwide. United Healthcare also provides health benefits to clients through owned and operated healthcare centers in South America.

License Verified:

License: 48

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

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
––
West End Advisory Group logo

License Verified:

License: 217211

Missouri Department of Insurance

West End Advisory Group

4931 Lindell Boulevard, St. Louis, MO 63108
  • Life Insurance
  • Health Insurance

Business Description

West End Advisory Group is a company that provides financial services to clients in and around St. Louis. It offers life insurance policies and covers other insurance options such as disability, health, long-term care, dental, business insurance, and annuities. In addition, the company handles financial planning and wealth management, retirement plan consulting, and accounting and tax planning. West End Advisory Group offers its insurance products through Summit National Partners' national network of more than 100 financial professionals.

License Verified:

License: 217211

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

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.