Iowa’s life insurance laws are governed by Title 13 of the Iowa Code (Chapters 505 to 523).
- 10-day free look period (IA Admin Code 191-15.9)
- 31-day grace period (IA Admin Code 191-33.4)
- The insurance company is required to pay accrued interest on the proceeds if the claim takes longer than 30 days to settle (IA 511.38)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Kansas’s life insurance laws and Kentucky’s life insurance laws are nearly identical to those of Iowa).
How Much Is A $10,000 Whole Life Policy In Iowa?
The table below shows the rates by age of $10,000 of whole life insurance in Iowa.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.77 | $17.10 | $13.86 | $16.06 |
| 25 | $15.95 | $17.98 | $15.22 | $16.96 |
| 30 | $17.07 | $19.87 | $16.55 | $18.98 |
| 35 | $19.30 | $21.90 | $18.04 | $20.65 |
| 40 | $21.08 | $24.56 | $20.25 | $23.66 |
| 45 | $23.51 | $29.30 | $22.51 | $27.40 |
| 50 | $27.94 | $33.67 | $24.40 | $32.13 |
| 55 | $32.04 | $40.10 | $27.66 | $36.83 |
| 60 | $39.00 | $47.30 | $32.88 | $42.24 |
| 65 | $48.77 | $58.61 | $40.90 | $50.64 |
| 70 | $60.77 | $71.63 | $52.79 | $60.66 |
| 75 | $97.85 | $133.04 | $71.28 | $95.21 |
| 80 | $135.06 | $182.64 | $98.25 | $135.41 |
| 85 | $187.58 | $258.56 | $132.63 | $192.77 |
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Best Life Assurance In Davenport
Davenport, nestled along the majestic Mississippi River in the heart of the Midwest, is one of the Quad Cities and a gem of Iowa. Known for its vibrant arts scene, sprawling parks, and rich historical heritage, Davenport offers a unique blend of urban sophistication and small-town charm. Its riverfront features scenic trails and public parks perfect for outdoor activities, while the city center boasts an array of cultural attractions, including museums, galleries, and live music venues. With a strong sense of community and a dynamic economy, Davenport is a city that invites both its residents and visitors to enjoy its many pleasures and opportunities.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Hastings Insurance Solutions, L.L.C. | 872 Tanglefoot Ln | +15633550262 |
| Independent Insurance Services, Inc. | 3956 N Pine St | +15633835555 |
| McKinney Insurance Agency | 2322 E Kimberly Rd #215W | +15632757055 |
| Jorgensen Insurance Agency | 2304 Jersey Ridge Rd | +15633559777 |
| Shelter Insurance – Holly Cochran | 2422 E Kimberly Rd Ste B | +15633867852 |
| American National/Bill Perkins Insurance Agency | 903 E Kimberly Rd #19 | +15638881402 |
| IHMVCU Insurance Services | 2102 E Kimberly Rd | +13097975605 |
| Bankers Life | 2213 E 52nd St Ste C | +15633594920 |
| Joshua Davis, Bankers Life Agent | 2213 E 52nd St Ste C | +15633594920 |
| Sharon Stone, Bankers Life Agent | 2213 E 52nd St Ste C | +15633594920 |
| Larry Thein and Matt Sturdevant Goosehead Insurance Agency | 4726 N Brady St | +15633867740 |
| Jacob Beck, Bankers Life Agent | 2213 E 52nd St Ste C | +15633594920 |
| J Fuller Insurance Services | 4320 Belle Ave | +15126509778 |
| Langford Insurance Group | 1910 E Kimberly Rd #311 | +15633593737 |
| GARLISCH FINANCIAL GROUP | 2004 N Brady St | +15633225656 |
| Jose Perez, Bankers Life Agent | 2213 E 52nd St Ste C | +15633367145 |
| David Moshure | 3515 Spring St | +15633216025 |
Best Coverage In Cedar Rapids
Cedar Rapids, the second-largest city in Iowa, is known for its thriving arts and cultural scene, underscored by institutions like the Cedar Rapids Museum of Art and the paramount Theatre. Nestled along the banks of the Cedar River, the city offers a blend of urban amenities and natural beauty, with sprawling parks and trails that appeal to outdoor enthusiasts. It’s also recognized for its rich history, particularly in agriculture and manufacturing, and is often celebrated for its resilience, notably rebounding with vigor after the devastating floods of 2008. Cedar Rapids stands as a vibrant community, showcasing a unique blend of Midwestern charm and innovation.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Madea Olsen, Bankers Life Agent | 305 2nd St SE STE 300 | +13193939336 |
| Timothy Salis, Bankers Life Agent | 100 1st Ave NE STE 115 | +13193939336 |
| Jason Minder, Bankers Life Agent and Bankers Life Securities Financial Representative | 305 2nd St SE STE 300 | +13193939336 |
| American Income Life – Eric Cochran | 4403 1st Ave SE Suite 505 | +15153811911 |
| Ethan Mayer, Bankers Life Agent | 100 1st Ave NE STE 115 | +13193939336 |
| Sawyer Shaw, Bankers Life Agent | 100 1st Ave NE STE 115 | +13193686568 |
| Tim Devries, Bankers Life Agent | 305 2nd St SE STE 300 | +13193939336 |
| J R Heefner Insurance | 1660 42nd St NE # P | +13193665745 |
| Riggs Insurance Inc – Aflac Insurance Agent | 465 Northland Ave NE #201 | +13199816650 |
| Bankers Life | 305 2nd St SE STE 300 | +13193939336 |
You Won't Find A Lower Rate
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Best Policies In Des Moines
Des Moines, the vibrant capital city of Iowa, serves as the economic and cultural hub of the state. Known for its rich blend of urban appeal and scenic beauty, Des Moines offers an array of attractions, from the renowned Des Moines Art Center and the lush Pappajohn Sculpture Park to the historic East Village, filled with unique shops, restaurants, and entertainment options. This city seamlessly combines a bustling business environment, seen in its dynamic downtown skyline, with family-friendly activities, such as the Iowa State Fair, one of the largest and most famous state fairs in the country. Des Moines also prides itself on a strong sense of community and easy access to outdoor activities, with numerous parks and trails providing residents and visitors alike the chance to engage with the natural beauty Iowa has to offer. Whether you’re looking for cultural experiences, educational opportunities, or a welcoming place to call home, Des Moines is a city that truly has something for everyone.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Principal Life Insurance Co: Debruin Scott | 711 High St | +15152464033 |
| 11 to 7 Insurance, Inc. | 3703 Douglas Ave | +15154573112 |
| Achievement Group | 4515 Fleur Dr | +15152566421 |
| Davis Insurance Agency: David Merrill | 2815 Beaver Ave # 200 | +15152743838 |
| Shelter Insurance – Ilya Syrchin | 1300 Cummins Rd Ste 113 | +15159645843 |
| Ode Financial | 3100 Ingersoll Ave | +15152748006 |
| Jacob Wales, Bankers Life Agent | 160 S 68th St Ste 1205 | +15152230909 |
| Bankers Life | 160 S 68th St Ste 1205 | +15152230909 |
| Jessica Landwier, Bankers Life Agent | 160 S 68th St Ste 1205 | +15152230909 |
Best Life Cover In Iowa City
Iowa City, nestled in the heart of Iowa, is a picturesque university town renowned for its vibrant arts scene, rich cultural heritage, and progressive spirit. As the home of the prestigious University of Iowa, the city pulsates with intellectual energy and innovation, particularly celebrated for its Writers’ Workshop that has nurtured numerous award-winning authors. The downtown area, a blend of historic charm and modern vitality, is bustling with bookstores, cafes, galleries, and theaters, making it a hub for both students and residents alike. Iowa City also boasts an array of parks and natural reserves, offering ample outdoor recreation opportunities. Designated as a UNESCO City of Literature, it’s an inviting destination for readers, writers, and anyone eager to immerse in a community deeply rooted in education, creativity, and cultural diversity.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Gaffey Insurance | 237 Scott Ct | +13193580111 |
| Relion Insurance Solutions | 24 Westside Dr | +13198873700 |
| Emilee Morrow Insurance Services | 1570 S 1st Ave Suite L | +16417990567 |
| GreenState Insurance | 825 Mormon Trek Blvd | +13192487000 |
| Gary McIntire – State Farm Insurance Agent | 355 N 1st Ave | +13193385091 |
| John Raley American Family Insurance | 24 N Van Buren St | +13193389491 |
| Farm Bureau Financial Services | 1402 Willow Creek Ct | +13195196885 |
| Farm Bureau Financial Services | 2130 Mormon Trek Blvd | +13193516885 |
| Chad Burtch – State Farm Insurance Agent | 1929 Keokuk St | +13193511001 |
| Farmers Insurance – Don Naughton | 1110 N Dodge St | +13193546541 |
| Farmers Insurance – Donald Becker | 1114 N Dodge St | +13193419200 |
| Daniel Rodriguez Agency FBFS | 2130 Mormon Trek Blvd | +15155379520 |
Best Life Insurance In Sioux City
Sioux City is a vibrant, historical city nestled in the tri-state area of Iowa, Nebraska, and South Dakota. Known for its rich cultural heritage and bustling economy, Sioux City offers a blend of urban convenience and lush natural beauty. The city boasts an array of attractions, from the picturesque Lewis and Clark Interpretive Center, spotlighting the area’s exploratory history, to the Hard Rock Hotel & Casino for nightlife enthusiasts. With its welcoming community, thriving arts scene, and scenic parks along the Missouri River, Sioux City is a diverse destination that caters to both residents and visitors seeking a unique Midwestern experience.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Innovative Business Consultants | 412 Water St | +17122772424 |
| Security Insurance | 117 Pierce St #108 | +17122521121 |
| McClintock Insurance Inc | 908 Pierce St | +17122774600 |
| Archer Insurance Agency | 5308 Morningside Ave | +17122744647 |
| Heimgartner Insurance Agency | 4708 Morningside Ave | +17122263853 |
| Kelly Ingenthron – State Farm Insurance Agent | 2701 Leech Ave | +17122742473 |
| Sterne Akin – State Farm Insurance Agent | 5704 Sunnybrook Dr | +17122760313 |
| Craig Wegner – State Farm Insurance Agent | 3815 Stadium Dr | +17122020022 |
| Angelo James – State Farm Insurance Agent | 1524 Pierce St | +17122521854 |
| Mark Johnson American Family Insurance | 329 W 20th St | +17122587770 |
| Farmers Insurance – Dawn Bratvold | 5406 Morningside Ave | +17122763312 |
| Bill Hanson – State Farm Insurance Agent | 302 Jones St STE 120 | +17122523241 |
| Bankers Life | 401 Douglas St #215 | +17122765437 |
| Jeff Ahlers Insurance Agency: Allstate Insurance | 4617 Morningside Ave | +17122741250 |
| Jamie Ahrendt – State Farm Insurance Agent | 2804 Hamilton Blvd | +17122554205 |
| Principal Life Insurance Co- Jordan Ireland | 3901 Transit Ave | +17122521856 |
| Ryan Fritchen | 1959 S St Aubin St | +17122241002 |
| Jacob Dunlap, Bankers Life Agent | 401 Douglas St #215 | +17122765437 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In Iowa
For the residents of the great state of Iowa, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
“Immediate Solution” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 0 – 85 |
| Coverage | $1,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- 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
“Living Promise” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except NY |
| Ages | 45 – 85 |
| Coverage | $2,000 – $50,000 |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
“Protection Series” Whole Life Insurance
| Policy Type | Whole Life |
|---|---|
| States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Ages | 45 – 89 |
| Coverage | $2,000 – $50,000 (varies by age) |
| Duration | Lifelong |
| Waiting Period | No |
| Rate Lock | Yes |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
