Best Life Insurance In Idaho
Idaho’s life insurance laws are governed by Title 41 of Idaho Statutes.
- 20-day free look period (ID Code 41-1935)
- 30-day grace period (ID 41-1904)
- Insurers must pay interest on claims not paid within 30 days (ID Code 41-1337)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Illinois’s life insurance laws and Indiana’s life insurance laws are nearly identical to those of Idaho).
How Much Is A $10,000 Whole Life Policy In Idaho?
The table below shows the rates by age of $10,000 of whole life insurance in Idaho.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.69 | $17.21 | $14.30 | $16.38 |
| 25 | $15.86 | $17.70 | $15.01 | $17.63 |
| 30 | $17.51 | $19.56 | $15.78 | $18.52 |
| 35 | $19.14 | $22.13 | $17.94 | $21.01 |
| 40 | $21.03 | $24.56 | $19.30 | $23.75 |
| 45 | $24.42 | $28.70 | $22.34 | $27.32 |
| 50 | $27.71 | $33.56 | $24.77 | $31.85 |
| 55 | $32.27 | $40.18 | $28.22 | $37.28 |
| 60 | $38.80 | $47.49 | $33.20 | $42.26 |
| 65 | $48.26 | $58.08 | $41.35 | $50.50 |
| 70 | $59.87 | $71.27 | $52.43 | $60.20 |
| 75 | $98.09 | $132.62 | $71.50 | $95.03 |
| 80 | $135.05 | $182.49 | $97.92 | $136.10 |
| 85 | $187.55 | $258.21 | $131.86 | $193.07 |
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Best Life Assurance In Boise
Boise, the vibrant capital city of Idaho, unfurls at the foothills of the majestic Rocky Mountains, offering a compelling blend of natural beauty, urban sophistication, and outdoor adventure. Renowned for its lush, green landscapes that stretch into picturesque parks like Kathryn Albertson and Julia Davis, Boise also boasts a bustling downtown filled with eclectic shops, delicious dining options, and a strong sense of community. The Boise River, gracefully meandering through the city, invites residents and visitors alike to partake in fishing, swimming, and rafting, ensuring a unique blend of city life with a splash of nature’s tranquility. Home to Boise State University and the iconic blue turf of the Albertsons Stadium, this city embodies a spirited college town vibe, complemented by a thriving arts scene, numerous cultural festivals, and the historic Idaho State Capitol building. Whether you’re seeking outdoor adventures, cultural experiences, or simply the warmth of a friendly community, Boise offers a little something for everyone.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Step Insurance Idaho | 702 W Idaho St | +12082195219 |
| All Valley Agency, Inc – Health Insurance Agents | 2303 W Norcrest Dr | +12086423435 |
| Jeanne Piper, Bankers Life Agent | 3050 N Lakeharbor Ln Ste 142 | +12083757540 |
| Security Insurance Services | 1365 N Orchard St # 265 | +12086433277 |
| Nicole Holbrook, Bankers Life Agent | 3050 N Lakeharbor Ln Ste 142 | +12083757540 |
| United American Insurance Company: John Moore | 1111 S Orchard St #250 | +12082254620 |
| Matt Faller Medicare Insurance | 6126 W State St #103 | +12082581470 |
| Idaho Life Insurance Agent | 1161 W River St STE 240 | +12085097495 |
| Fred Bracilano Health and Life Benefits | 12936 W Foxfire St | +14252327460 |
| Peterson Insurance Services LLC: Allstate Insurance | 9101 W Fairview Ave | +12083789050 |
Best Coverage In Caldwell
Caldwell is a charming city that beckons with its blend of small-town atmosphere and burgeoning development, located in the heart of Idaho’s Treasure Valley. Known for its friendly community and scenic beauty, Caldwell is proud of its rich agricultural heritage and is famous for its vibrant vineyards and burgeoning wine industry. The city is also home to the College of Idaho, adding a youthful vibrance and educational prestige. Caldwell’s downtown area, revitalized and inviting, offers a mix of history, shopping, and dining, creating a perfect backdrop for the many festivals and events that fill its calendar. From the serene beauty of the Boise River to the excitement of the Caldwell Night Rodeo, this city offers a unique mix of outdoor adventure, cultural experiences, and welcoming community spirit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Shine Insurance LLC | 6121 Cleveland Blvd | +12082735320 |
| Steiger Agency | 4618 Beacon Ln Ste 108 | +12084590061 |
| The Hartwell Corporation | 1220 Cleveland Blvd | +12084591678 |
| Selva Insurance Group, Insurance Agency | 4122 Cleveland Blvd | +12088098140 |
| Midtowne Insurance | 6618 Cleveland Blvd # A | +12084599422 |
| Shaffer Buck Insurance | 524 S 9th Ave #101 | +12084541401 |
| Montoya Insurance Group | 6115 Cleveland Blvd Ste 101 | +12084591687 |
| Heather Grothaus – Idaho Farm Bureau Insurance Agent | 4122 Cleveland Blvd | +12084056615 |
| Farmers Insurance – Ryan Steiger | 4618 Beacon Ln Ste 108 | +12084590061 |
| Farmers Insurance – Troy Hooper | 2404 Cleveland Blvd | +12083774444 |
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Best Policies In Idaho Falls
Nestled along the Snake River in the heart of eastern Idaho, Idaho Falls serves as a vibrant hub for both business and adventure. Recognized for its charming greenbelt pathway that meanders along the riverbanks, Idaho Falls offers visitors a blend of scenic beauty, rich cultural experiences, and outdoor activities. Known as the gateway to the famed Yellowstone and Grand Teton National Parks, it provides an ideal stopover for nature enthusiasts. The city itself boasts a diverse range of attractions, from the Museum of Idaho, which showcases both local and national history, to the Tautphaus Park Zoo, offering fun for the whole family. Idaho Falls combines the warm, welcoming atmosphere of a small town with the amenities and attractions of a larger city, making it a must-visit destination for anyone exploring the wonders of the Northwestern United States.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| American Income Life Insurance Co – Richard Altig Jr & Ilija Orlovic | 750 S Woodruff Ave | +14258852838 |
| Tower Insurance Brokers, LLC | 3725 Woodking Dr | +12085295959 |
| East Idaho Insurance | 1535 E Lincoln Rd | +12085579344 |
| Generations Insurance | 2440 Jafer Ct | +12087099898 |
| The Strategic Life Insurance Planners | 980-A Pier View Dr | +18883700404 |
| Ray Infanger – State Farm Insurance Agent | 251 S Woodruff Ave | +12085290056 |
| Ryan Harrigfeld – Idaho Farm Bureau Insurance Agent | 780 N Holmes Ave | +12085225882 |
| April Hernandez at Comparion Insurance Agency | 950 Pier View Dr suite a | +12084976004 |
| Kristi Jensen – Idaho Farm Bureau Insurance Agent | 1135 Pier View Dr Ste. 160 | +12086842750 |
| Dennis Insurance Agency | 2285 E 25th St | +12085222521 |
Best Life Cover In Meridian
Meridian, nestled in the heart of the Treasure Valley, is a vibrant and fast-growing city that brilliantly balances the warmth of its small-town heritage with a dynamic, forward-moving energy. Known for its welcoming community, beautiful parks, and a bustling economy, Meridian offers a high quality of life for residents and visitors alike. With top-notch schools, an array of dining and shopping options, and proximity to outdoor adventures, Meridian stands as a beacon of opportunity and leisure in Idaho. Whether you’re seeking a family-friendly environment, expanding your business, or exploring the great outdoors, Meridian invites you to discover all it has to offer.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Independent Executive Insurance Brokers | 3597 E Monarch Sky Ln Suite 240 | +18007495777 |
| All American Insurance, Inc | 929 N Main St | +12088881465 |
| Legacy Insurance & Financial Services | 800 S Industry Way Suite 250 | +12089638236 |
| Gemsurance LLC. | 2730 E Franklin Rd | +12085933133 |
| Ballard & Co. Inc. Insurance | 851 E Fairview Ave | +12083238214 |
| The Wallace Insurance Agency | 214 E Pine Ave | +18009836896 |
| Cody Harmon – COUNTRY Financial Representative | 1880 S Cobalt Point Way Ste 200 | +12088888885 |
| Larry Wood – Boise River Insurance | 41 S Baltic Pl #100 | +12089547525 |
| Barth Williams – COUNTRY Financial Agent | 1880 S Cobalt Point Way Ste 200 | +12088884398 |
| BEST Life | 2700 W Cherry Ln # 130 | +12088935041 |
| Apex Insurance | 135 E Calderwood Dr Suite 120 | +12089961988 |
| National Fidelity Insurance Inc. | 1520 E Heritage Park St Ste 125 | +12089963800 |
Best Life Insurance In Nampa
Nampa, Idaho, stands as the largest city in Canyon County and the third most populous in the state, offering residents and visitors a blend of suburban charm and lively metropolitan activities. Known for its rich agricultural heritage, Nampa is home to the bustling Nampa Farmers Market and the celebrated Snake River Stampede Rodeo, one of the top rodeos in the nation. With its expansive parks, such as the Lakeview Park, and the Nampa Recreation Center, the city caters to outdoor enthusiasts and families seeking leisure and recreation. The Warhawk Air Museum and the Canyon County Historical Museum provide a deep dive into history for those looking to explore the past. Nampa’s thriving economy, coupled with its strong sense of community and vibrant cultural scene, makes it a desirable destination for those looking to experience the best of Idaho living.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| New York Life- Nampa Idaho | 101 11th Ave S ste 265-275 | +12088998070 |
| Blaine Grow Insurance | 2122 S Secretariat Way | +12088803044 |
| Deb Williams Insurance | 1112 5th St S | +12084614142 |
| Tweedy Insurance Group | 99 S Canyon St | +12084611200 |
| Peterson Insurance Services LLC: Allstate Insurance | 5801 E Gate Blvd | +12084753003 |
| Bright Insurance ID | 812 12th Ave S | +12084080111 |
| Shield Insurance Service | 217 W Georgia Ave | +12083156307 |
| Silver Key Insurance | 1001-1021 W Hemingway Blvd | +12083589548 |
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Top Life Insurance Companies In Idaho
For the residents of the great state of Idaho, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
