Best Life Insurance In Indiana


  • Rikin Shah
  • Jun 20, 2024
Indiana cost of a funeral

Indiana’s life insurance laws are governed by Title 27 of the Indiana Code.

  • 10-day free look period (IN Code Ann. 27-1-12-43)
  • 30-day grace period (IN 27-1-12-5)
  • Insurers must pay interest on claims that aren’t paid within 30 days (IN 27-1-12-35)
  • 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, Iowa’s life insurance laws and Kansas’s life insurance laws are nearly identical to those of Indiana).

How Much Is A $10,000 Whole Life Policy In Indiana?

The table below shows the rates by age of $10,000 of whole life insurance in Indiana.

Age20
Male$14.76
Male (Smoker)$16.64
Female$14.33
Female (Smoker)$15.57
Age25
Male$15.98
Male (Smoker)$17.71
Female$15.65
Female (Smoker)$17.35
Age30
Male$17.18
Male (Smoker)$19.97
Female$15.95
Female (Smoker)$19.32
Age35
Male$18.53
Male (Smoker)$22.28
Female$17.15
Female (Smoker)$20.83
Age40
Male$21.37
Male (Smoker)$25.14
Female$19.53
Female (Smoker)$23.59
Age45
Male$23.95
Male (Smoker)$28.75
Female$22.24
Female (Smoker)$27.61
Age50
Male$27.90
Male (Smoker)$33.49
Female$24.56
Female (Smoker)$31.88
Age55
Male$32.18
Male (Smoker)$39.65
Female$27.96
Female (Smoker)$37.32
Age60
Male$38.99
Male (Smoker)$47.60
Female$33.07
Female (Smoker)$41.98
Age65
Male$47.89
Male (Smoker)$57.97
Female$40.98
Female (Smoker)$50.61
Age70
Male$60.22
Male (Smoker)$71.37
Female$52.73
Female (Smoker)$60.38
Age75
Male$97.86
Male (Smoker)$132.88
Female$71.05
Female (Smoker)$94.77
Age80
Male$135.00
Male (Smoker)$182.43
Female$98.43
Female (Smoker)$135.45
Age85
Male$187.57
Male (Smoker)$258.02
Female$132.13
Female (Smoker)$192.70

See how much you could save

Compare rates from 19 carriers in 60 seconds

Best Life Assurance In Evansville

Evansville, nestled along the banks of the Ohio River in southwestern Indiana, is a city that harmoniously blends its rich history with modern innovation. Known as the commercial, medical, and cultural hub of the Indiana-Illinois-Kentucky tri-state area, Evansville showcases a vibrant downtown area teeming with historic homes, museums, and the picturesque Riverfront. The city takes pride in its strong community, diverse cultural festivals, and a robust economy propelled by industries ranging from manufacturing to healthcare. With its array of parks, sporting events, and recreational opportunities, Evansville offers a high quality of life for residents and a welcoming atmosphere for visitors seeking to explore its charming vistas and engaging attractions.

Pam Lentz – State Farm Insurance AgentR. Denning and Associates
2727 N First Ave2425 US-41 #135
+18124221883+18124017966
Pam Lentz – State Farm Insurance AgentFirst Class Insurance Services
2727 N First Ave4600 Washington Ave Suite 112-14
+18124221883+18124536043
Pam Lentz – State Farm Insurance AgentChris Reich Insurance
2727 N First Ave1120 Schutte Rd
+18124221883+18122054865
Pam Lentz – State Farm Insurance AgentShelter Insurance – Rick Koberstein
2727 N First Ave2019 W Franklin St
+18124221883+18124282576
Pam Lentz – State Farm Insurance AgentHolly Lagenour agency
2727 N First Ave600 N Weinbach Ave #660
+18124221883+18125686446
Pam Lentz – State Farm Insurance AgentSerenity Insurance Agency
2727 N First Ave330 Cross Pointe Blvd
+18124221883+18125458762
Pam Lentz – State Farm Insurance AgentZach Rhea, Bankers Life Agent
2727 N First Ave3231 N Green River Rd # 310
+18124221883+18124734600
Pam Lentz – State Farm Insurance AgentPartners Insurance LLC
2727 N First Ave4841 E Virginia St
+18124221883+18125458711
Pam Lentz – State Farm Insurance AgentJason Clark, Bankers Life Agent
2727 N First Ave3231 N Green River Rd # 310
+18124221883+18124734600
Pam Lentz – State Farm Insurance AgentSenior Benefits Group
2727 N First Ave1006 E Diamond Ave Suit 4
+18124221883+18124257775
Pam Lentz – State Farm Insurance AgentMark Sienicki, Bankers Life Agent
2727 N First Ave3231 N Green River Rd # 310
+18124221883+18124734600
Pam Lentz – State Farm Insurance AgentAmerican Income Life – Sabrina Lloyd
2727 N First Ave3323 N Green River Rd
+18124221883+18123092033
Pam Lentz – State Farm Insurance AgentMaria Nita, Bankers Life Agent
2727 N First Ave3231 N Green River Rd # 310
+18124221883+18124734600
Pam Lentz – State Farm Insurance AgentMitchell Baldwin, Bankers Life Agent
2727 N First AveAAA Life Insurance, 7280 Eagle Crest Blvd
+18124221883+18124734600

Best Coverage In Fishers

Fishers, Indiana, is a rapidly growing suburban city situated in Hamilton County, just northeast of Indianapolis. Known for its family-friendly atmosphere, excellent schools, and vibrant community life, Fishers boasts a unique blend of small-town charm and modern amenities. The city prides itself on its parks, recreational facilities, and a dynamic downtown area that hosts a variety of events, restaurants, and shops. With its strong sense of community, commitment to innovation, and high quality of life, Fishers continually ranks among the best places to live in the United States.

May Wolf InsuranceInsurance Depot & Financial
10412 Allisonville Rd UNIT 2178270 Courtney Dr
+13178450863+13175761738
May Wolf InsuranceThe George Insurance Agency
10412 Allisonville Rd UNIT 21712574 Promise Creek Ln
+13178450863+13175241555
May Wolf InsuranceFirst Priority Insurance
10412 Allisonville Rd UNIT 2179742 Olympia Dr
+13178450863+13176021306
May Wolf InsuranceMehar Insurance Agency, Inc
10412 Allisonville Rd UNIT 21712574 Promise Creek Ln STE 114
+13178450863+13179005151
May Wolf InsuranceSource Insurance Group
10412 Allisonville Rd UNIT 2178388 E 116th St
+13178450863+13175652320
May Wolf InsuranceOsborn Insurance Agency
10412 Allisonville Rd UNIT 2178767 South St
+13178450863+13175772445
May Wolf InsuranceRay Insurance Group
10412 Allisonville Rd UNIT 21711411 Overlook Dr
+13178450863+13178419995
May Wolf InsuranceSnellenberger Insurance
10412 Allisonville Rd UNIT 2177715 Loma Ct
+13178450863+13179158601
May Wolf InsuranceVoldico
10412 Allisonville Rd UNIT 21710079 Forest Meadow Circle
+13178450863+13173630752
May Wolf InsuranceCover Insurance Co
10412 Allisonville Rd UNIT 21711 Municipal Dr
+13178450863+13176441770
May Wolf InsuranceDiamond Insurance IN
10412 Allisonville Rd UNIT 21711575 Commercial Dr
+13178450863+13177598400
10412 Allisonville Rd UNIT 21710308 Woods Edge Dr
+13178450863+16308621469
10412 Allisonville Rd UNIT 217350 E 96th St
+13178450863+13178147853
May Wolf InsuranceStable Insurance Agency IN
10412 Allisonville Rd UNIT 217843 Westfield Rd
+13178450863+13175972116
10412 Allisonville Rd UNIT 21714701 Cumberland Rd Ste 108
+13178450863+13177764095

See how much you could save

Compare rates from 19 carriers in 60 seconds

Best Policies In Fort Wayne

Fort Wayne, nestled in northeastern Indiana, stands as a vibrant hub of culture, history, and modern attractions. This dynamic city is renowned for its rich historical background, dating back to its founding in 1794. Today, Fort Wayne is celebrated for its diverse community, flourishing arts scene, and family-friendly environment. The city boasts an array of parks, museums, and festivals that cater to every interest, alongside an evolving culinary and craft brewery scene. As a regional economic powerhouse, Fort Wayne continues to grow, blending its historical charm with innovative developments to create a welcoming and lively destination for residents and visitors alike.

brady benefits and associates, health benefits insuranceAmstutz & Winans Insurance
1731 Ruskin Ct5743 Wilkie Dr # 1
+12602208800+12604328736
brady benefits and associates, health benefits insuranceWest Insurance Indiana
1731 Ruskin Ct6711 W Jefferson Blvd
+12602208800+12604323595
brady benefits and associates, health benefits insurancePrudential| Rob Hiatt | Life Insurance & Annuities
1731 Ruskin Ct2420 N Coliseum Blvd
+12602208800+12606670833
brady benefits and associates, health benefits insurancePrudential | Kyle Metzger | Life Insurance & Financial Services
1731 Ruskin Ct2420 N Coliseum Blvd
+12602208800+12602410448
brady benefits and associates, health benefits insuranceDonald E Springer – Aflac Insurance Agent
1731 Ruskin Ct5715 River Run Trail
+12602208800+12603382512
brady benefits and associates, health benefits insuranceRuoff Insurance, Inc.
1731 Ruskin Ct1110 E Dupont Rd #1548
+12602208800+12604970800
brady benefits and associates, health benefits insuranceBright Future Insurance Service
1731 Ruskin Ct2121 Broadway
+12602208800+12605728430
brady benefits and associates, health benefits insuranceEasy Insurance Agency IN
1731 Ruskin Ct3730 Maplecrest Rd
+12602208800+18125458694
brady benefits and associates, health benefits insurancePrudential | Andy Ehrman | Life Insurance & Financial Services
1731 Ruskin Ct2420 N Coliseum Blvd # 100
+12602208800+12604833165
brady benefits and associates, health benefits insuranceTyler Butler, Bankers Life Agent
1731 Ruskin Ct2720 Dupont Commerce Ct STE 110
+12602208800+12604891645
brady benefits and associates, health benefits insuranceProtected Insurance LLC
1731 Ruskin Ct4603 Ridgelane Dr
+12602208800+12605728189
brady benefits and associates, health benefits insuranceSafe Steps Insurance
1731 Ruskin Ct5534 Northridge Dr
+12602208800+12604362580

Best Life Cover In Indianapolis

Indianapolis, the vibrant capital city of Indiana, stands as a dynamic blend of Midwest charm and urban sophistication. Known affectionately as “Indy,” this city is famed for its high-octane energy, notably hosting the Indianapolis 500, the world’s largest single-day sporting event. Beyond the revving engines, Indianapolis boasts a rich tapestry of cultural institutions like the Indianapolis Museum of Art and the Eiteljorg Museum of American Indians and Western Art. The city’s bustling downtown area is a hub of entertainment, offering an array of dining, shopping, and nightlife options. The scenic White River State Park adds a touch of nature to the urban landscape, ensuring that Indianapolis truly offers something for everyone. Whether you’re a sports fan, a culture enthusiast, or simply seeking a friendly atmosphere, Indianapolis welcomes you with open arms.

American Insurance Agency INIAL Insurance
3804 N High School Rd2818 N High School Rd
+14634263007+13174804111
American Insurance Agency INJ C Smith Insurance
3804 N High School Rd2915 N High School Rd
+14634263007+13172442707
3804 N High School Rd8888 Keystone Crossing #500
+14634263007+13175025299
American Insurance Agency INActive Life Insurance
3804 N High School Rd5208 Commerce Square Dr
+14634263007+13179831244
American Insurance Agency INBen Franklin Insurance & Investments
3804 N High School Rd5240 Elmwood Ave suite 200
+14634263007+13174970181
American Insurance Agency INAwesome Insurance Indiana
3804 N High School Rd7475 Rockleigh Ave
+14634263007+17657051642
American Insurance Agency INPremier Insurance Agency IN
3804 N High School Rd3905 Vincennes Rd
+14634263007+15743011371
American Insurance Agency INHumble Insurance Agency
3804 N High School Rd8923 S Meridian St Suite A8
+14634263007+13176536127
American Insurance Agency INNathaniel Romig, Bankers Life Agent
3804 N High School Rd6602 E 75th St Ste 510
+14634263007+13175709960
American Insurance Agency INState Insurance Services IN
3804 N High School Rd5448 East 21st St
+14634263007+13173084200

Best Life Insurance In South Bend

South Bend, nestled in the heart of Indiana, is perhaps best known as the home of the prestigious University of Notre Dame. With its rich history, vibrant cultural scene, and beautiful parks and riverwalk, South Bend provides a blend of academic excellence, historical significance, and natural beauty. The city, the fourth largest in Indiana, has evolved from its industrial roots to a center of innovation, education, and cultural diversity, making it a compelling destination for visitors and a cherished home for residents. Whether you’re exploring the storied campus, enjoying a performance at the Morris Performing Arts Center, or taking in the scenic views along the St. Joseph River, South Bend offers a unique blend of charm and opportunity.

VanCamp InsuranceKroeger Insurance Agency
1619 Miami St23186 W Ireland Rd
+15748764222+15746331933
1619 Miami St2609 E Mishawaka Ave Ste A
+15748764222+15748552503
VanCamp InsuranceBankers Life
1619 Miami St100 E Wayne St # 150
+15748764222+15742552773
1619 Miami St1251 N Eddy St #200
+15748764222+15744004535
1619 Miami St1251 N Eddy St #200
+15748764222+15744004529
VanCamp InsuranceTrust Insurance LLC
1619 Miami St54717 Terrace Ln
+15748764222+15743011402
VanCamp InsuranceYour Insurance Agency Inc
1619 Miami St917 Lincoln Way W
+15748764222+15742816052
VanCamp InsurancePhilip Thompson, Bankers Life Agent
1619 Miami St401 E Colfax Ave Ste 350
+15748764222+15742552773
VanCamp InsuranceMarissa Long, Bankers Life Agent
1619 Miami St401 E Colfax Ave Ste 350
+15748764222+15742552773
VanCamp InsuranceTimothy Parsons, Bankers Life Agent
1619 Miami St401 E Colfax Ave Ste 350
+15748764222+15742552773
VanCamp InsuranceTara Beringer, Bankers Life Agent
1619 Miami St100 E Wayne St # 150
+15748764222+15742552773

See how much you could save

Compare rates from 19 carriers in 60 seconds

Top Life Insurance Companies In Indiana

For the residents of the great state of Indiana, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

“Immediate Solution” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants

Mutual of Omaha

“Living Promise” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • 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.