Best Life Insurance In Nebraska
Explore Nebraska's top life insurance options, understand different policies, how they work & related local laws.
Nebraska’s life insurance laws are governed by Chapter 44 of the Nebraska Revised Statutes.
- 10-day free look period (NE Rev. St. 44-502.05)
- One-month grace period for all payments after the first one (NE 44-502)
- Claims that take longer than 30 days to settle are subject to interest (NE 344-3-143)
- 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, Nevada’s life insurance laws and New Hampshire’s life insurance laws are nearly identical to those of Nebraska).
How Much Is A $10,000 Whole Life Policy In Nebraska?
The table below shows the rates by age of $10,000 of whole life insurance in Nebraska.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.09 | $16.50 | $13.88 | $16.19 |
| 25 | $15.71 | $18.09 | $15.10 | $17.43 |
| 30 | $17.26 | $20.08 | $16.50 | $19.43 |
| 35 | $18.75 | $21.84 | $17.97 | $21.07 |
| 40 | $20.87 | $25.34 | $19.55 | $23.62 |
| 45 | $24.15 | $28.53 | $22.56 | $27.43 |
| 50 | $27.65 | $33.45 | $24.98 | $31.87 |
| 55 | $32.06 | $40.33 | $27.84 | $36.94 |
| 60 | $38.83 | $47.54 | $33.40 | $42.16 |
| 65 | $47.93 | $57.67 | $41.68 | $50.36 |
| 70 | $60.14 | $71.25 | $52.46 | $60.29 |
| 75 | $97.64 | $132.90 | $71.80 | $94.72 |
| 80 | $134.19 | $181.86 | $98.33 | $135.38 |
| 85 | $187.71 | $258.30 | $132.51 | $192.38 |
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Best Life Assurance In Bellevue
Bellevue, nestled between Lake Washington and Lake Sammamish in Washington State, is a captivating blend of urban sophistication and natural beauty. Known for its vibrant economy, Bellevue is home to an array of businesses, from innovative tech startups to established corporate headquarters. The city’s downtown skyline, marked by sleek, modern architecture, reflects its economic vitality. Residents and visitors alike enjoy Bellevue’s lush parks, pristine waterfronts, and a diverse array of shopping, dining, and cultural experiences. Renowned for its quality of life, Bellevue offers a unique mix of urban amenities and outdoor activities, making it a desirable place for families, professionals, and adventurers.
Best Coverage In Grand Island
Grand Island is a vibrant city located in central Nebraska. Known for its rich agricultural heritage and beautiful scenic landscapes, Grand Island serves as a hub of economic and cultural activities in the region. Home to the Nebraska State Fair, the city attracts visitors with its blend of historical attractions, modern entertainment options, and outdoor adventures. Grand Island’s welcoming community, diverse population, and commitment to preserving its unique history while promoting growth make it an inviting place for families, professionals, and tourists alike. Whether exploring its parks and recreational areas or participating in the annual events that celebrate the city’s heritage and unity, Grand Island offers a dynamic and enriching experience for all who visit or call it home.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Anchor Insurance Agencies | 1811 W 2nd St #111 | +13084554893 |
| FNIC Trusted insurance advisors | 810 Allen Dr | +13083828000 |
| Edgewater Insurance + Real Estate | 3610 W Capital Ave | +13083811761 |
| Insurance Connection, Inc. | 3421 W State St STE 4 | +13084685374 |
| Ryder Rosacker McCue & Huston Insurance Agency | 509 W Koenig St | +13083822330 |
| Pathway Insurance Agency | 3333 W State St | +13083823150 |
| Kyle Sawyers | 2118 Kent Ave | +13083825707 |
| Jones Insurance Inc | 622 W 2nd St | +13083828400 |
| Lisa Willman – State Farm Insurance Agent | 3310 W Capital Ave | +13083841190 |
| Shelter Insurance – Valerie Scott | 2508 N Webb Rd | +13083818300 |
| Matt Jurgena American Family Insurance | 204 N Walnut St | +13083899124 |
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Best Policies In Kearney
Nestled in the heart of Nebraska, Kearney emerges as a vibrant city that beautifully bridges its rich historical roots with modern-day living. Famed for being the archway to the West, this city offers a unique blend of culture, education, and recreational pursuits. Home to the iconic Great Platte River Road Archway Monument, which stands as a testament to the pioneering spirit, Kearney captivates with its blend of history and innovation. The city is also an educational hub, hosting the University of Nebraska at Kearney, which brings a youthful vibrancy and academic excellence. From its picturesque parks and trails to its thriving arts scene, Kearney provides a welcoming atmosphere for residents and visitors alike. Whether you’re drawn to explore its historical landmarks, engage with the community at local events, or bask in the natural beauty that surrounds, Kearney offers a slice of American heartland life that’s hard to resist.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Affilated Brokers Insurance | 2620 2nd Ave | +13082342436 |
| Anchor Insurance Agencies | 2202 Central Ave UNIT 8 | +13084554583 |
| Derby Insurance Services | 1004 Central Ave | +13084551435 |
| Barney Insurance – Kearney | 5508 Avenue N Pl | +13082372222 |
| Alan Cover – Aflac Insurance Agent | 2803 W 48th St | +13082367751 |
| New York Life | 4009 6th Ave Suite #12 | +13082707100 |
| Bridget Volquardsen Insurance, Independent Agent | 1203 15th Ave | +13084409480 |
| Midwest Insurance Drop | 2224 Central Ave | +19202038136 |
| Whalen Insurance – Farmers Union Midwest Agency | 409 E 25th St STE 5 | +13084553535 |
| Shelter Insurance – Joshua Arends | 3905 2nd Ave # 4 | +13082370758 |
| Jerry Thompson Agency, INC. American Family Insurance | 202 W 30th St | +13084559053 |
| Hinrichs Insurance – Farmers Union Midwest Agency | 409 E 25th St STE 5 | +13082402277 |
| John Rickard, Financial Professional – New York Life | 4009 6th Ave Suite #12 | +13083907426 |
| Plains Insurance Brokers | 620 E 25th St #8 | +13083003031 |
| HealthMarkets Insurance – Tracy Beezley | 4105 2nd Ave # 3 | +13084400580 |
| Triplett Insurance Options | 816 E 25th St #1 | +13086274781 |
Best Life Cover In Lincoln
Lincoln, situated in the heart of England, is a city steeped in rich history and cultural heritage. Known for its impressive Gothic cathedral, which was once the world’s tallest building, and the well-preserved Lincoln Castle, home to one of the only four original copies of the Magna Carta, Lincoln offers a captivating glimpse into England’s medieval past. The city seamlessly blends its historic architecture with a vibrant contemporary buzz, offering a plethora of shopping experiences, local cuisine, and lively entertainment. Lincoln’s cobbled streets, picturesque views, and the tranquil Brayford Waterfront make it a must-visit destination for those looking to explore England’s enchanting history and modern charm.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Branched Oak Insurance | 151 N 8th St STE 500 | +14023185221 |
| Noel Gines, Bankers Life Agent and Bankers Life Securities Financial Representative | 1001 S 70th St #224 | +15312181832 |
| Dale Ellwanger, Bankers Life Agent and Bankers Life Securities Financial Representative | 1001 S 70th St #224 | +15312181832 |
| Bradley G Brodersen, Financial Professional – New York Life | 1221 N St #800 | +14024138315 |
| CAL-ING INSURANCE SERVICES | 2701 O St Ste 2 | +14023140683 |
| Good Life Insurance | 285 S 68th St Pl #319 | +14024406475 |
Best Life Insurance In Omaha
Omaha, Nebraska is a vibrant city nestled along the Missouri River. It’s a place where rich history meets modern innovation, and the heartbeat of the Midwest can truly be felt. From the cobblestone streets of the Old Market District, offering unique shops, restaurants, and galleries, to the world-renowned Henry Doorly Zoo and Aquarium, there’s something for everyone in Omaha. The city is also a hub for business, with a robust economy that’s home to five Fortune 500 companies. With its mix of cultural attractions, like the Joslyn Art Museum and the Omaha Children’s Museum, and its deep-rooted connection to the pioneers of the West, Omaha offers a compelling blend of past and present, making it an intriguing destination for visitors and a cherished home for residents.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Consultative Insurance Partners | 3850 S 149th St Ste.102 | +14022058388 |
| PJ Ramaekers & Associates Inc | 7915 L St | +14023313337 |
| Ed Thompson Insurance | 12020 Shamrock Plaza Suite 200 | +14025049669 |
| Prudential|Gene Oleson|Life Insurance & Financial Services | 15750 W Dodge Rd | +16053424225 |
| Monclair Insurance Group | 2809 S 125th Ave | +14029329293 |
| Insurance Resources | 15133 Atlas Plaza | +14022010256 |
| Pioneer Interstate Insurance | 5406 NW Radial Hwy | +14024931321 |
| Paisano Insurance | 4806 S 24th St | +14028137930 |
| Dalton Heim, Bankers Life Agent and Bankers Life Advisory Services Investment Advisor | 12020 Shamrock Plaza Suite 115 | +14024934330 |
| Long Pine Insurance | 4151 Cuming St | +14027185658 |
| Nation Life Insurance | 2120 S 72nd St | +14023832766 |
| Doug Hoops | 6464 Center St Suite 210 | +14027203327 |
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Top Life Insurance Companies In Nebraska
For the residents of the great state of Nebraska, 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
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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.
