Best Life Insurance In Oklahoma
Oklahoma’s life insurance laws are governed by Title 36 of the Oklahoma Statutes.
- 10-day free look period (36 OK Stat. Ann. 4003.1)
- 30-day grace period (36 OK 4003)
- Claims that take longer than 30 days to settle are subject to interest (36 OK 4030.1)
- 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, Oregon’s life insurance laws and Pennsylvania’s life insurance laws are nearly identical to those of Oklahoma).
How Much Is A $10,000 Whole Life Policy In Oklahoma?
The table below shows the rates by age of $10,000 of whole life insurance in Oklahoma.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.20 | $17.26 | $14.60 | $16.16 |
| 25 | $15.69 | $18.37 | $14.78 | $17.79 |
| 30 | $17.81 | $20.03 | $16.58 | $18.88 |
| 35 | $18.41 | $22.48 | $17.65 | $20.79 |
| 40 | $20.90 | $24.74 | $20.11 | $23.33 |
| 45 | $24.21 | $28.50 | $22.57 | $27.55 |
| 50 | $27.36 | $33.73 | $24.42 | $31.92 |
| 55 | $32.14 | $40.22 | $28.42 | $36.81 |
| 60 | $39.09 | $47.50 | $32.72 | $42.31 |
| 65 | $48.64 | $58.21 | $41.71 | $50.37 |
| 70 | $60.73 | $70.80 | $52.57 | $59.99 |
| 75 | $97.62 | $133.19 | $71.36 | $94.70 |
| 80 | $135.05 | $182.07 | $97.54 | $135.39 |
| 85 | $187.92 | $257.58 | $132.24 | $192.93 |
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Best Life Assurance In Edmond
Edmond is a vibrant city located in the heart of Oklahoma. Known for its picturesque neighborhoods, excellent public schools, and an abundance of parks and recreational facilities, Edmond provides a high quality of life for its residents. The city boasts a rich historical heritage, evident in its well-preserved downtown area where shops, cafes, and galleries line quaint streets. Edmond also serves as a cultural hub, offering numerous events, festivals, and arts performances throughout the year. With its strong community spirit, Edmond presents a perfect blend of suburban tranquility and urban amenities, making it an ideal place for families, professionals, and retirees alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Brown & Brown-Central Oklahoma | 3409 S Broadway # 800 | +14056076314 |
| Weller Insurance Services | 1701 Signal Ridge Dr Suite 150 | +14057212021 |
| Tilghman Insurance Service- TWFG | 2500 S Broadway #200 | +14057571933 |
| Sherlock Insurance Group | 937 NW 164th St #3 | +14053018150 |
| Lee Selby Insurance Co | 5700 N Sooner Rd | +14059007020 |
| CyKal Insurance Agency, LLC | 922 S Blvd Ste 300 | +14057786200 |
| The Rutledge Insurance Agency | 3432 NW 178th St Ste B | +14054379170 |
| Amerisurance Agency Inc | 8 E 1st St | +14052856163 |
| Westfield Group Insurance | 2000 E 15th St F | +14054511353 |
| Horn Insurance Agency, LLC – Mark & Gennifer Horn | 829 E 33rd St | +14054715228 |
| Lifetime Insurance | 3325 French Park Dr #16 | +14052165663 |
| Farmers Insurance – John Hunzicker Agency | 214 S Santa Fe Ave | +14052671910 |
| Andrew Davis Insurance Agency | 2836 N Kelly Ave Suite 110 | +14054719403 |
| Gillispie Insurance | 4232 Native Dancer Dr | +14052269002 |
| TLC Insurance Agency | 1300 E 15th St | +14059064335 |
Best Coverage In Norman
Norman, located in the heart of Oklahoma, is a vibrant and culturally rich city renowned for its educational institutions, particularly the University of Oklahoma. This bustling city blends the charm of a small town with the conveniences and excitement of urban life. Home to numerous museums, theaters, and festivals, Norman offers a diverse cultural scene that caters to all ages. With its picturesque parks, recreational activities, and the tranquil Lake Thunderbird, outdoor enthusiasts will find plenty to explore. Norman’s strong sense of community, coupled with its thriving economy and educational opportunities, makes it a prime destination for families, students, and professionals alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Overman Insurance Agency | 2761 Washington Dr suite 101-b | +18559492020 |
| Mike j insurance | 1514 E Lindsey St | +14057662232 |
| Southern Pillars Insurance Group | 2761 Washington Dr | +14055001600 |
| Liberty Mutual Insurance | 2236 24th Ave NW | +14055157948 |
| J Charles Insurance LLC | 2120A McKown Dr | +14059284441 |
| J. Charles Insurance | 2276 36th Ave NW Suite 120 | +14059284441 |
| Jay Hixson Insurance, a Tatum Insurance Partner | 1701 36th Ave NW | +14052532030 |
| Lancaster Insurance Group | 2522 S Berry Rd | +19185208552 |
| Tatum Insurance LLC | 1701 36th Ave NW | +14052532030 |
| Valley Insurance | 110 N Mercedes Dr #300 | +14055739837 |
| Shelter Insurance – Ricky Despain | 3750 W Main St 6C 6C | +14053667402 |
| Irving Tovar Farmers Insurance Agency | 4300 Adams Rd | +14052832678 |
| Schuldt Insurance Agency | 717 Wall St | +14059990298 |
| Reed Downey Life and Health Insurance | 9924 Casa Linda | +14056912421 |
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Best Policies In Tulsa
Nestled in the heart of northeastern Oklahoma, Tulsa stands as a vibrant city blending rich cultural heritage with modern urban development. Known for its deep-rooted history in the oil industry, Tulsa has evolved into a bustling metropolis offering a diverse mix of entertainment, dining, and arts. Iconic landmarks like the Philbrook Museum of Art and the historic Greenwood District, known as the Black Wall Street, highlight the city’s commitment to preserving its unique history while fostering growth and innovation. With its scenic river parks, renowned art deco architecture, and a thriving music scene, Tulsa invites visitors to experience its warm hospitality and explore its myriad attractions, making it a standout destination in the American Midwest.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Rick Miller Agency | 4312 S Peoria Ave | +19185230007 |
| Insurance Crew LLC | 420 S Main St | +19187940777 |
| Sansone Insurance Agency | 5800 E Skelly Dr Ste 560 | +19186159746 |
| Prudential | Clark James | Life Insurance & Financial Services | 5407 S Lewis Ave Suite 100 | +19184921921 |
| Primerica | 525 S Main St #100 | +19186414073 |
| Prudential | Chuck Watson | Life Insurance & Financial Services | 5514 S Lewis Ct Suite 104 | +19187949267 |
| Affordable Life and Health LLC | 3105 E Skelly Dr STE 303 | +19186953411 |
| Globe Life American Income Division: Young Organization | 8321 E 61st St Suite 221 | +19188726632 |
| Legacy From The Heart | 5553 S Peoria Ave Suite #106 | +19188094661 |
| Kelsey Moreno, Bankers Life Agent | 7633 E 63rd Pl Ste 100 | +19182542800 |
| Alan Fricke Agency | 1341 E 45th Pl | +19182124612 |
Top Life Insurance Companies In Oklahoma
For the residents of the great state of Oklahoma, 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.
