Wisconsin’s life insurance laws are governed by Wisconsin Statutes and Annotations, Titles 600 through 655.
- 30-day free look period (WI ADC Ins. 2.14)
- 31-day grace period (WI 632.44)
- If the claim takes longer than 30 days to settle, the insurance company is required to pay accrued interest on the proceeds (WI 628.46)
- Guarantees up to $300,000 for lost death benefits and $300,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Wyoming’s life insurance laws and Alabama’s life insurance laws are nearly identical to those of Wisconsin).
How Much Is A $10,000 Whole Life Policy In Wisconsin?
The table below shows the rates by age of $10,000 of whole life insurance in Wisconsin.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.38 | $16.95 | $14.69 | $15.65 |
| 25 | $16.01 | $18.52 | $15.10 | $17.44 |
| 30 | $17.74 | $20.00 | $16.56 | $18.93 |
| 35 | $18.57 | $22.36 | $17.70 | $20.73 |
| 40 | $21.01 | $24.64 | $19.34 | $23.73 |
| 45 | $23.64 | $29.44 | $22.85 | $27.36 |
| 50 | $27.76 | $33.48 | $24.91 | $31.57 |
| 55 | $32.64 | $39.66 | $28.26 | $36.98 |
| 60 | $38.96 | $47.06 | $33.49 | $42.27 |
| 65 | $47.88 | $58.37 | $41.56 | $50.18 |
| 70 | $60.54 | $71.69 | $52.77 | $60.75 |
| 75 | $97.55 | $132.80 | $71.46 | $94.69 |
| 80 | $134.52 | $182.65 | $97.69 | $136.12 |
| 85 | $187.58 | $258.39 | $132.12 | $192.80 |
You Won't Find A Lower Rate
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Best Life Assurance In Green Bay
Nestled at the mouth of the Fox River on the shores of Lake Michigan, Green Bay holds the title of the oldest settlement in Wisconsin. Recognized widely as the proud home of the NFL’s Green Bay Packers, this city seamlessly marries its rich history with a vibrant, contemporary community spirit. Beyond its hallowed Lambeau Field, Green Bay enchants visitors and residents alike with numerous parks, the scenic beauty of the Bay, and an array of cultural, educational, and recreational activities. Not merely a sports town, Green Bay boasts a lively arts scene, captivating museums, and a thriving local economy, making it an essential destination for history buffs, sports enthusiasts, and nature lovers.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Vitality Insurance Green Bay | 1812 Main St | +19203653507 |
| Tristin Zeman Agency Inc American Family Insurance | 550 N Military Ave # 4B | +19204996611 |
| Simple Insurance LLC | 1476 University Ave | +19206596528 |
| Desma Insurance Consulting LLC | 2571 Telluride Trail Unit F | +19205622103 |
| Prestige Insurance Agency | 2127 S Oneida St | +19205570492 |
| Northern Advantage Insurance- Aaron Walender | 108 Packerland Dr ste b | +19208881100 |
| Fox Valley Insurance Group; formerly Badger State Insurance Group | 1138 W Mason St | +19204991944 |
| Next Stage Assurance | 2400 Cedar Ridge | +12624888571 |
| Informed Insurance Solutions | 2050 Riverside Dr | +19203518734 |
| Green Bay Insurance Center: Schiegg Tony | 417 S Monroe Ave | +19204379281 |
| Primerica | 1066 Mather St | +19207130342 |
| Robert Klatt American Family Insurance | 3257 Main St | +19204681527 |
| Bankers Life | 2100 Riverside Dr Suite 102 | +19209832960 |
| Benjamin Luedke, Bankers Life Agent | 2100 Riverside Dr Suite 102 | +19209832960 |
| Joshua Watermolen, Bankers Life Agent | 2100 Riverside Dr Suite 102 | +19209832960 |
Best Coverage In Kenosha
Kenosha, nestled along the southwestern shore of Lake Michigan, is a vibrant city in Wisconsin known for its charming lakefront, cultural events, and rich American history. It serves as a bridge between Milwaukee and Chicago, offering a blend of urban experiences and natural beauty. Visitors and residents alike enjoy the city’s bustling harbor, picturesque lighthouses, and diverse museums, including the renowned Kenosha Public Museum. With its welcoming community, lively downtown area, and array of parks and recreational activities, Kenosha stands out as a destination where history, culture, and outdoor adventure converge.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| M3 Insurance | 5320 Green Bay Rd | +12626527963 |
| Scott Cook Insurance Agency Inc | 2117 22nd Ave | +12626563200 |
| Viggiano Insurance Agency | 3203 Washington Rd suite e | +12626059880 |
| RK Agencies, Inc. – Insurance Agency | 3214 52nd St | +12626546669 |
| Bill Sweetman Agency | 7514 30th Ave | +12626578072 |
| Compass Insurance Group | 6121 Green Bay Rd #270 | +12627645422 |
| Steve Fifer Agency LLC. | 8119 22nd Ave | +12624557474 |
| Dan Berkiel – State Farm Insurance Agent | 7435 117th Ave f | +12628573500 |
| Zach Pittsley – State Farm Insurance Agent | 3801 60th St | +12625518600 |
| Patti Luce – COUNTRY Financial Agent | 5027 Green Bay Rd Ste 114 | +12626526135 |
| David Anderson American Family Insurance | 7601 Pershing Blvd #2 | +12626948700 |
| Heidi Thomas – COUNTRY Financial Agent | 5027 Green Bay Rd suite 102 | +12626122047 |
| Tommy Murray – COUNTRY Financial Agent | 5017 Green Bay Rd Ste 142 | +12626122342 |
You Won't Find A Lower Rate
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You never know what battles people may be fighting.
Best Policies In Madison
Madison, the vibrant capital of Wisconsin, is nestled between the picturesque shores of Lake Mendota and Lake Monona. This dynamic city is not only known for its beautiful landscapes and recreational activities but also as a hub for education, culture, and progressive politics, thanks largely to the influence of the University of Wisconsin-Madison. With a rich tapestry of arts, extensive biking trails, diverse culinary scene, and lively markets, Madison effortlessly blends its natural beauty with a bustling urban life, making it an inviting place for residents and visitors alike. Whether it’s exploring the iconic State Capitol, enjoying the serene Olbrich Botanical Gardens, or partaking in the myriad of festivals throughout the year, Madison offers a unique balance of activities and relaxation for everyone.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Tyler Eilts, Bankers Life Agent | 2424 Rimrock Rd Ste 220 | +16082463108 |
| Kristy Moua, Bankers Life Agent | 2424 Rimrock Rd Ste 220 | +16082463108 |
| Better Life Insurance | 5133 W Terrace Dr | +16084244453 |
| Melissa Zuhlke, Bankers Life Agent | 2424 Rimrock Rd Ste 220 | +16082463108 |
| Andria Gaulrapp, Bankers Life Agent | 2424 Rimrock Rd Ste 220 | +16082463108 |
| Liberty Insurance Service WI | 1406 Parkside Dr | +16082914233 |
| Marcus Eddins, Bankers Life Agent | 2424 Rimrock Rd Ste 220 | +16082463108 |
| McClone | 6200 Mineral Point Rd | +16082382686 |
| TruStage Insurance Agency | 5910 Mineral Point Rd | +18888880375 |
| Cliff Insurance Agency, Inc | 2009 W Beltline Hwy Ste 100 | +16082038585 |
| Prairie Land Insurance Agency Inc | 2045 Atwood Ave Suite 113A | +16082513009 |
| AssuredPartners | 2501 W Beltline Hwy Suite 201 | +16084413035 |
| Holly Frank | 2921 Landmark Pl Suite 420 | +16088193673 |
| New York Life Insurance | 999 Fourier Dr # 300 | +16088314416 |
Best Life Cover In Milwaukee
Milwaukee, situated on the western shore of Lake Michigan, stands as a vibrant urban tapestry, weaving together rich historical roots with contemporary cultural flair. Known for its legendary brewing legacy, the city has evolved beyond its beer-centric heritage to become a hub of diverse culinary experiences, arts, and music, including the renowned Summerfest, billed as the world’s largest music festival. Milwaukee’s architectural landscape showcases an eclectic mix, from the grandeur of the Milwaukee Art Museum with its striking Calatrava-designed wings to the historic Third Ward. This city, with its friendly Midwestern charm, offers a medley of activities that cater to nature enthusiasts, sports fans, and culture seekers alike, making it a unique destination that celebrates the spirit of American innovation and community.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Logan Kassner – Insurance Advising & Risk Management | 777 N Jefferson St | +19202554541 |
| Willis Of Wisconsin Inc. | 2323 N Mayfair Rd # 600 | +14142719800 |
| Brown & Brown Milwaukee, formerly Hays Companies | 1200 N Mayfair Rd Ste 100 | +14144430000 |
| FHK Insurance: Johnson Michael | 6790 N Green Bay Ave | +14142287555 |
| American Advantage Insurance Group | 788 N Jefferson St # 720 | +14142256240 |
| Luepke Insurance Agency | 1223 E Howard Ave | +14144821040 |
| APECS Insurance Agency | 3950 N Holton St Ste 210 | +14143321152 |
| Rich Tadych | 3662 S Howell Ave | +14147446750 |
| WALLACE INSURANCE AGENCY | 6815 W Capitol Dr | +14145394624 |
| Maria Lara Insurance Agency LLC | 234 W Florida St #315 | +12629572186 |
| Kathya Lundy at Comparion Insurance Agency | 11800 W Park Pl | +14142904539 |
| Mark Korpela at Comparion Insurance Agency | 11800 W Park Pl | +14142904522 |
| Jeremy Hendrix at Comparion Insurance Agency | 11800 W Park Pl | +14142904528 |
| Northwestern Mutual | 731 N Jackson St UNIT 650 | +14142775055 |
| Elizabeth Rodriguez, Bankers Life Agent | 2448 S 102nd St #170 | +12622516600 |
| William Neeb, Bankers Life Agent | 2448 S 102nd St #170 | +12622516600 |
Best Life Insurance In Racine
Located on the shores of Lake Michigan, Racine is a charming city in southeastern Wisconsin, renowned for its stunning architecture, particularly the works of Frank Lloyd Wright, and its vibrant arts scene. This lakeside city offers a picturesque marina, beautiful beaches, and numerous parks, making it a haven for outdoor enthusiasts. Racine is also celebrated for its unique culinary tradition, including the invention of the beloved Kringle, a Danish pastry that has become Wisconsin’s official state pastry. With its rich heritage, strong community spirit, and diverse cultural offerings, Racine is a captivating destination that blends natural beauty with urban convenience.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Insurance Agency Wisconsin | 1143 Warwick Wy | +12622884696 |
| Enduring Insurance | 1442 N Memorial Dr | +12626838339 |
| Premier Insurance Services | 2430 Lathrop Ave | +12628846570 |
| CRB Insurance | 500 Wisconsin Ave | +12628840900 |
| Marz Insurance Services, LLC | 3716 Durand Ave | +12624560321 |
| Robertson Ryan Insurance | 6015 Durand Ave # 300 | +12628860130 |
| Compass Insurance Group | 6021 Durand Ave #600 | +12624560566 |
| KABELIS INSURANCE | 3829 N Bay Dr | +12627703039 |
| Contempo Financial, LLC | 610 Main St #410 | +12627250636 |
| Martinson Inc: Burks Lisa | 2412 Lathrop Ave | +12625541111 |
| Modern Woodmen of America | 5801 Washington Ave | +12628809807 |
| David W Pucci Agency Inc American Family Insurance | 4000 Spring St Ste 2 | +12626334701 |
| Michael Harlan American Family Insurance | 310 5th St #101a | +12626374660 |
| Diane Davis – State Farm Insurance Agent | 5200 Washington Ave # 100 | +12626332444 |
You Won't Find A Lower Rate
Choose kindness.
You never know what battles people may be fighting.
Top Life Insurance Companies In Wisconsin
For the residents of the great state of Wisconsin, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| 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
| 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