Best Life Insurance In Kansas
Kansas’s life insurance laws are governed by Chapter 40 of the Kansas Statutes.
- 10-day free look period (KS Admin Regs. 40-2-15)
- 31-day grace period on all payments except the first payment (KS 40-434)
- Insurers must pay interest on claims that take more than 10 days to settle (KS Stat Ann. 40-447)
- 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, Kentucky’s life insurance laws and Louisiana’s life insurance laws are nearly identical to those of Kansas).
How Much Is A $10,000 Whole Life Policy In Kansas?
The table below shows the rates by age of $10,000 of whole life insurance in Kansas.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.83 | $16.55 | $13.75 | $16.39 |
| 25 | $16.32 | $18.29 | $15.13 | $17.75 |
| 30 | $17.77 | $20.05 | $15.94 | $18.86 |
| 35 | $19.28 | $21.89 | $17.34 | $20.71 |
| 40 | $20.52 | $24.76 | $20.05 | $23.24 |
| 45 | $23.44 | $28.87 | $22.93 | $27.66 |
| 50 | $27.22 | $34.23 | $24.98 | $32.05 |
| 55 | $32.38 | $39.75 | $28.04 | $37.10 |
| 60 | $39.05 | $47.77 | $33.56 | $42.62 |
| 65 | $48.35 | $57.78 | $41.61 | $50.89 |
| 70 | $59.87 | $70.73 | $52.24 | $59.96 |
| 75 | $98.04 | $132.91 | $71.87 | $94.77 |
| 80 | $134.20 | $182.24 | $97.69 | $135.45 |
| 85 | $187.98 | $257.86 | $132.57 | $192.72 |
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Best Life Assurance In Olathe
Olathe, nestled in the heart of Johnson County, Kansas, is a vibrant city that harmoniously blends the warmth of a tight-knit community with the advantages of a bustling urban center. Known for its rich history dating back to its founding in 1857, Olathe has grown into a thriving locale, steeped in cultural heritage and modern conveniences. As the fourth most populous city in Kansas, it boasts a diverse economy, excellent educational institutions, and an array of recreational facilities, making it a sought-after destination for families and businesses alike. With easy access to Kansas City, thanks to its strategic location near major highways, Olathe serves as a gateway to the greater metropolitan area while maintaining its unique suburban charm and green spaces, such as the expansive Lake Olathe Park. Whether you’re drawn to its historic sites, shopping districts, or the friendly community spirit, Olathe offers something special for everyone.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| New Century Insurance Group, Inc. | 14111 S Mur-Len Rd | +19133933447 |
| Scott Ferrel – Insurance Pro @ Agency West Insurance | 706 N Lindenwood Dr | +19136610466 |
| Rodney Palmer Insurance | 14131 S Mur-Len Rd | +19139826622 |
| Shelter Insurance – Kara-Jean Scott | 801 N Mur-Len Rd #106 | +19134384057 |
| Shelter Insurance – Ryan Aylward | 226 S Kansas Ave Ste 102A | +19137821803 |
| Heritage Insurance Professionals | 15637 S Lackman Rd | +19132077439 |
| Kingdom Family Insurance | 430 E Santa Fe St | +19137389937 |
| Philip Kathol, Life & Health Insurance Broker – Apollo Agency | 10907 W 145th Pl | +19139634779 |
| Nordstrom Insurance Agency | 13936 West 150th Court Olathe Olathe | +19135936485 |
Best Coverage In Overland Park
Nestled in the heart of Johnson County, Overland Park stands as a vibrant and progressive city within the Kansas City metropolitan area. Known for its blend of suburban charm and city convenience, Overland Park is a hub of innovation, cultural diversity, and green spaces. With its top-rated schools, thriving business community, and an array of parks and recreational activities, it caters to families and professionals alike. The city boasts a plethora of shopping and dining options, ensuring a rich quality of life for its residents. Celebrated for its friendly atmosphere and commitment to community development, Overland Park consistently ranks as one of the best places to live in the United States.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Insurance Designers | 9401 Indian Creek Pkwy # 150 | +19134513960 |
| Life Mib | 10551 Barkley St #205 | +18883067519 |
| Philip Kathol, Life & Health Insurance Broker – Apollo Agency | 10907 W 145th Pl | +19139634779 |
| Smith Insurance | 9393 W 75th St | +19136491515 |
| Prudential | Mike Bobrow | Life Insurance & Financial Services | 10801 Mastin St 84 Suite 200 | +19137077323 |
| InsureVisors | 5750 W 95th St | +19139487500 |
| HealthMarkets Insurance – Vic Young | 10551 Barkley St Ste 506 | +19134333284 |
| Haas Health And Life Insurance | 11672 Bradshaw St | +19136486969 |
| Prudential | John Herriage | Life Insurance & Financial Services | 10801 Mastin St 84 Suite 200 | +18006379004 |
| Mike Perz & Associates, LLC | 7304 W 130th St #320 | +19138941009 |
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Best Policies In Topeka
Topeka, the capital city of Kansas, is a vibrant hub of history, culture, and natural beauty. Nestled along the Kansas River, Topeka offers a unique blend of metropolitan amenities and scenic landscapes. Renowned for its pivotal role in civil rights history, particularly the landmark Brown v. Board of Education case, the city attracts visitors to its rich cultural institutions like the Kansas Museum of History and the combat air museum. With a friendly atmosphere, diverse dining options, and an array of parks and recreational activities, Topeka provides a compelling mix of educational opportunities and leisure for residents and visitors alike. Whether exploring its historical sites, enjoying its arts scene, or participating in its numerous festivals, Topeka encapsulates the heart and soul of the Midwest.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| American Home Life Insurance Co | 400 S Kansas Ave STE 100 | +18008760199 |
| Phil Ritchey – Dynamic Insurance Group | 5947 SW 29th St | +17852158599 |
| US Alliance Corporation | 1303 SW 1st American Pl | +17852280200 |
| Family Tree Insurance Solutions | 3601 SW 29th St Suite 202 | +17853389635 |
| Talley Benefits Insurance Group | 120 SE 6th St | +17852334071 |
| Alexander Philips, Bankers Life Agent | 3745 SW Wanamaker Rd | +17852738200 |
| Shelley Couch, Bankers Life Agent | 3745 SW Wanamaker Rd | +17852738200 |
| Kain Schappaugh, Bankers Life Agent | 3745 SW Wanamaker Rd | +17852738200 |
| Hodam Agency – Goosehead Insurance | 112 SW 6th Ave Ste 202 | +17852301391 |
| Ed Becker Insurance | 1255 SW Plass Ave | +17852343188 |
| Baruc Gandara, Bankers Life Agent | 3745 SW Wanamaker Rd | +17852738200 |
Best Life Cover In Wichita
Wichita, nestled in the heart of Kansas, stands as a vibrant city that balances the charm of a small town with the amenities of a bustling metropolis. Known as the “Air Capital of the World,” Wichita’s storied past in aviation history resonates through its museums and factories. The city offers an array of attractions, from the picturesque Botanica Wichita gardens to the historic Old Town district, filled with unique shops, restaurants, and entertainment venues. The Arkansas River runs through the city, providing scenic views and outdoor activities. Wichita’s diverse cultural scene, friendly locals, and rich heritage make it a compelling destination for visitors and a cherished home for residents.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Eck Agency, Iva Williams | 540 S Broadway | +13163900299 |
| keystone group | 762 S Hunter | +13167446225 |
| NOBUL Group | 5025 E Kellogg Dr Suite-106 | +17206209929 |
| Medicare with Jake/Insured with Jake | 300 W Douglas Ave Suite 150 | +13163695253 |
| Stan Miller Agency Inc | 9415 E Harry St UNIT 106 | +13166871244 |
| J D Thompson Insurance | +13167229070 | |
| EIG Insurance Center | 5119 E Kellogg Dr | +13166182309 |
| Lupus Life Insurance | 1 Villas Dr | +18775749920 |
| Insurance Broker | Medicare Plans | Rocket Insurance | 200 W Douglas Ave | +16202170285 |
| Bankers Life | 3020 N Cypress St Ste 170 | +13166859247 |
| Globe Life Liberty National Division: Nuckolls Agencies | 727 N Waco Ave #180 | +13162028199 |
| HealthMarkets Insurance – Brandy Braya | 1133 S Rock Rd Suite 1 | +13163024996 |
| Jacob Roth, Bankers Life Agent | 3020 N Cypress Dr Ste 170 | +13166859247 |
| Tatyana Huhn, Bankers Life Agent | 3020 N Cypress St Ste 170 | +13166859247 |
Top Life Insurance Companies In Kansas
For the residents of the great state of Kansas, 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.
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