Missouri’s life insurance laws are governed by Title 20 of the Missouri Code of State Regulations.
- Insurers must provide a 10-day free look period or provide a buyer’s guide and policy summary before the insured makes the first premium payment (MO Ann. Stat. 376.706)
- 31-day grace period (MO 376.726)
- Interest begins to accrue on claims that take more than 30 days to settle (MO 374.191)
- 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, Montana’s life insurance laws and Nebraska’s life insurance laws are nearly identical to those of Missouri).
How Much Is A $10,000 Whole Life Policy In Missouri?
The table below shows the rates by age of $10,000 of whole life insurance in Missouri.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.79 | $16.75 | $14.13 | $15.84 |
| 25 | $16.04 | $18.09 | $15.37 | $16.84 |
| 30 | $17.62 | $19.58 | $15.83 | $18.70 |
| 35 | $18.66 | $21.74 | $17.64 | $21.02 |
| 40 | $20.94 | $24.94 | $19.86 | $23.47 |
| 45 | $24.14 | $29.44 | $22.18 | $27.41 |
| 50 | $27.81 | $33.82 | $24.54 | $31.43 |
| 55 | $32.94 | $39.97 | $28.20 | $37.04 |
| 60 | $39.28 | $47.63 | $33.45 | $42.41 |
| 65 | $47.79 | $58.58 | $41.62 | $50.74 |
| 70 | $60.04 | $71.03 | $52.53 | $60.31 |
| 75 | $98.11 | $133.15 | $71.04 | $95.27 |
| 80 | $134.27 | $182.27 | $97.61 | $135.73 |
| 85 | $187.74 | $258.19 | $132.56 | $192.92 |
You Won't Find A Lower Rate
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Best Life Assurance In Independence
Independence, a city with a rich historical tapestry and vibrant cultural life, stands out as a beacon of heritage and modern living. Nestled in the heart of the United States, Independence boasts a unique blend of historical landmarks, including the famed Truman Home and Museum, dedicated to the 33rd President of the United States, Harry S. Truman. This city is not just about the past; it’s a place where history meets contemporary life. With its lush parks, diverse dining scene, and bustling shopping districts, Independence offers a fulfilling experience for residents and visitors alike. Whether you’re exploring its historic trails or enjoying its lively community events, Independence is a city that warmly invites you to be a part of its ongoing story.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Schenck Insurance (formerly Southern Kansas Agency) | 2801 W Main St # A | +16203312620 |
Best Coverage In Columbia
Columbia, a vibrant city marked by its rich history and promising future, stands as the capital of South Carolina. Known for its beautiful parks, extensive walking trails, and the Congaree River offering scenic views and outdoor activities, Columbia wonderfully blends natural beauty with its urban landscape. This city is also home to the University of South Carolina, adding to its energetic and youthful ambience. Cultural landmarks, such as the Columbia Museum of Art and the historic homes in its downtown area, showcase the city’s dedication to preserving its heritage while embracing growth. Whether you’re seeking outdoor adventure, educational pursuits, or a deep dive into the South’s heartwarming community and cuisine, Columbia provides an inviting atmosphere for all who visit or call it home.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Thomas Pruden, Bankers Life Agent | 1000 W Nifong Blvd Ste 8-200 | +15734493979 |
| Convergence Insurance | 30 E Southampton Dr | +15732266050 |
| Cody Bryant, Bankers Life Agent | 1000 W Nifong Blvd Ste 8-200 | +15734493979 |
| Collin McCarty Insurance and Investment | 106 Corporate Lake Dr | +15732562960 |
| AssuredPartners | 3928 S Providence Rd | +15738743102 |
| Shelter Insurance – Valerie Ninichuck | 1729 W Broadway Ste 8B | +15736154090 |
| Shelter Insurance – Scott Priesmeyer | 1715 W Worley St Ste A2 STE A | +15734478629 |
| Shelter Insurance – Krista Kippenberger | 1729 W Broadway Ste 8A | +15733062479 |
| Bry Reine Agency LLC American Family Insurance | 2909 Falling Leaf Ln suite c | +15734423368 |
| Spencer Hockman & Associates LLC American Family Insurance | 2807 W Broadway #101 | +15734454680 |
| Wally Pfeffer – Mutual of Omaha | 910 N College Ave Ste 5 | +15734490359 |
You Won't Find A Lower Rate
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You never know what battles people may be fighting.
Best Policies In Springfield
Springfield is a quintessentially American city, steeped in rich history and vibrant culture. Known for its picturesque parks, intriguing museums, and a friendly, welcoming community, Springfield offers a blend of urban convenience and small-town charm. This city is a hub for both business and leisure, with a diverse economy and a plethora of activities for families, professionals, and tourists alike. Whether you’re exploring its historical landmarks, enjoying its diverse culinary scene, or participating in its numerous festivals, Springfield promises an unforgettable experience for all who visit.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Scott Loveland Insurance | 2332 W Kingsley St UNIT A | +14178828055 |
| Shelter Insurance – Travis Mitchell | 1675 E Seminole St Ste G500 | +14178834756 |
| Leslie Dawson – HealthMarkets Insurance | 3003 E Chestnut Expressway #700 | +17605677363 |
| Cody Acklin, Bankers Life Agent | 1341 W Battlefield Rd Ste 230 | +14178648151 |
| Rowen Myers, Bankers Life Agent | 1341 W Battlefield Rd Ste 230 | +14178648151 |
| Joshua Beeson, Bankers Life Agent | 2118 W Chesterfield St D101 | +14178648151 |
| B.P. Consulting Services | 400 South Ave Suite 240 | +14176841462 |
| Taylor Bagley, Bankers Life Agent | 1341 W Battlefield Rd Ste 230 | +14178648151 |
| Thomas Hottinger, Bankers Life Agent | 2118 W Chesterfield St D101 | +14178648151 |
Best Life Cover In Saint Louis
Nestled along the Mississippi River, Saint Louis is a vibrant city known for its iconic Gateway Arch, symbolizing the westward expansion of the United States. This diverse metropolis in Missouri melds rich historical tapestry with modern innovation. From the bustling streets of the Grand Center, filled with arts and entertainment, to the serene landscapes of Forest Park, larger than New York City’s Central Park, there’s an adventure around every corner. Home to world-class museums, a thriving culinary scene, and passionate sports fandom, Saint Louis embodies a unique blend of Midwestern charm and cosmopolitan flair, making it a must-visit destination for travelers seeking a blend of culture, history, and entertainment.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Central States Insurance Brokers LLC | 6978 Chippewa St # 1 | +13148333399 |
| Lp Miceli Inc | 3470 Hampton Ave s106 | +13148326667 |
| Van Dusen Insurance | 224 E Felton Ave | +16187670570 |
| HealthCare Solutions Team Medicare and Life Insurance | Jim Wlliams, 12122 Tesson Ferry Rd #203 | +13143244158 |
| Founders Life & Health | 7253 Watson Rd | +18006512577 |
| Worry Free Life Insurance | 1221 Locust St | +13149163650 |
| Epps The Insurance Team | 2211 Gravois Ave | +13142616065 |
| Yolonda Fultz Legacy Brokers | 4332 Strodtman Pl | +13143089654 |
Top Life Insurance Companies In Missouri
For the residents of the great state of Missouri, 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
