Wyoming’s life insurance laws are governed by Title 26 of the Wyoming Statutes.
- 30-day free look period (WY Admin Code Ins Gen Ch 12 §4)
- 31-day grace period (WY 26-17-111)
- If the claim takes longer than 45 days to settle, the insurer must pay interest beginning from the date of death (WY 26-16-112)
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Alabama’s life insurance laws and Alaska’s life insurance laws are nearly identical to those of Wyoming).
How Much Is A $10,000 Whole Life Policy In Wyoming?
The table below shows the rates by age of $10,000 of whole life insurance in Wyoming.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $15.39 | $16.57 | $14.04 | $16.21 |
| 25 | $16.07 | $17.72 | $15.57 | $17.49 |
| 30 | $17.68 | $20.43 | $16.36 | $18.77 |
| 35 | $18.59 | $22.30 | $17.98 | $20.71 |
| 40 | $20.95 | $25.45 | $19.76 | $23.79 |
| 45 | $23.71 | $29.06 | $22.46 | $27.39 |
| 50 | $27.61 | $34.19 | $24.45 | $32.00 |
| 55 | $32.56 | $39.98 | $28.17 | $36.76 |
| 60 | $39.31 | $47.77 | $33.46 | $42.68 |
| 65 | $48.74 | $57.76 | $41.64 | $50.51 |
| 70 | $60.37 | $70.85 | $52.81 | $60.51 |
| 75 | $97.86 | $133.37 | $71.66 | $95.20 |
| 80 | $135.07 | $181.80 | $98.29 | $135.37 |
| 85 | $188.17 | $257.73 | $132.33 | $192.96 |
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Best Life Assurance In Casper
Casper, Wyoming, nestled in the heart of the Cowboy State, is a city that marries the spirit of the Old West with the amenities of modern life. Surrounded by scenic mountain landscapes, including Casper Mountain, the city serves as a gateway to outdoor adventure, from hiking and fishing to skiing and biking. Rich in history and culture, Casper boasts a vibrant downtown area, museums like the National Historic Trails Interpretive Center, and numerous events that celebrate the area’s heritage and community. With its friendly locals, economic opportunities, and strong educational institutions, Casper embodies the welcoming, pioneering spirit that defines Wyoming.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Mogen Agency | 400 E 1st St Suite 214 | +13072661966 |
| Rudy Insurance Agency | 3211 Energy Ln Ste. 404 | +13072243433 |
| Guardian Life Insurance Co-America | 330 S Center St Ste 344 | +13073374222 |
| The Bon Agency Insurance | 545 E 2nd St | +13072344551 |
| Smartt Insurance Agency | 770 E Collins Dr | +13074724800 |
| Jesse Florquist – State Farm Insurance Agent | 4040 S Poplar St | +13073371411 |
| Judy D Baker, LUTCF Agent – New York Life Insurance Company | 777 Overland Trail STE 105 | +13072771530 |
| Michael Erickson Farmers Insurance | 1432 E 2nd St | +13073332624 |
| Wyoming Financial Insurance | 400 E 1st St # 105 | +13074733000 |
| Insurance-Simple Solutions | 80 Magnolia | +13072592775 |
| Dan Christensen, Registered Representative – Footprints Financial | 1973 E A St | +13072655173 |
| Farmers Insurance – Bradley Hamm | 5840 E 2nd St Ste 100 | +13072650275 |
Best Coverage In Cheyenne
Cheyenne, the capital of Wyoming, serves as the heart of the Cowboy State with its rich tapestry of Western history and vibrant culture. Nestled in the southeast corner of the state, it stands as a gateway to the rugged beauty of the broader Rocky Mountain region. Known for hosting the world’s largest outdoor rodeo, Cheyenne Frontier Days, the city attracts visitors from across the globe with its unique blend of Old West charm and modern-day amenities. From the grandeur of the Wyoming State Capitol Building to the trails and parks that dot its landscape, Cheyenne offers a diverse array of attractions for history buffs, outdoor enthusiasts, and those simply seeking a taste of Wyoming’s hospitality and serene beauty.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Andrea Insurance Agency | 2232 Dell Range Blvd Suite 300 | +13072631400 |
| Farm Bureau Insurance of Cheyenne | 6248 Yellowstone Rd | +13076329008 |
| Legacy | 1903 S Greeley Hwy #311 | +18885255501 |
| Salazar Agency – Farmers Insurance | 4515 E Lincolnway Ste E | +13076342715 |
| Farm Bureau Financial Services | 3001 Henderson Dr P | +13076321194 |
| Knifong Insurance Agency Inc. | 2005 Warren Ave | +13077723333 |
| Oak Insurance Group | 1620 Central Ave # 202 | +13072226100 |
| Anderson Insurance Group | 1615 House Ave | +13074264670 |
| Rocky Mountain Capital Agency | 500 W 27th St | +13076352491 |
| Tom Segrave – State Farm Insurance Agent | 453 Vandehei Ave #150 | +13076329103 |
| Prudential | Clayton Gray | Life Insurance & Financial Services | 1723 Thomes Ave | +13076352744 |
| American National Insurance Company- Phil Maggard | 5420 Yellowstone Rd STE 1 | +13076326722 |
| Burns Insurance | 237 Storey Blvd | +13076345757 |
| Mike Fullmer – American National Insurance Agent | 7338 Stockman St | +13075146453 |
| Farmers Insurance – Steven Salazar | 4515 E Lincolnway Ste E | +13076342715 |
You Won't Find A Lower Rate
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Best Policies In Gillette
Gillette, Wyoming, often referred to as the “Energy Capital of the Nation,” is nestled in the heart of the Powder River Basin. Renowned for its rich coal, oil, and methane gas production, Gillette plays a pivotal role in fueling the United States’ energy needs. This vibrant city combines the charm of small-town living with the benefits of a thriving economy, offering a high quality of life for its residents. Surrounded by the natural beauty of rolling plains and the nearby Big Horn Mountains, outdoor enthusiasts will find abundant opportunities for hiking, hunting, and fishing. Gillette’s commitment to community development is evident in its excellent schools, parks, and rapid growth, making it a dynamic and inviting place to live, work, and play.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Cindy Dawson Agency | 401 E 2nd St | +13076823197 |
| Farmers Union Insurance: Eric R. Scalzo Insurance Agency | 609 E 2nd St | +13076825788 |
| Farmers Union Insurance: Elizabeth Jones Agency | 1001 S Douglas Hwy #184 | +13076826520 |
| Tegeler & Associates | 1001 S Douglas Hwy #270 | +13076825130 |
| Natalie Daly – State Farm Insurance Agent | 310 East Lakeway Road | +13076871700 |
| Jon Craft Insurance Agency | 1001 S Douglas Hwy #184 | +13076826520 |
| Farm Bureau Financial Services- Agent Becky Pearson | 1309 W 2nd St | +13076824454 |
| Farmers Insurance – Amber Eliason | 1001 S Douglas Hwy B7 | +13076856600 |
| Dee Dee Lore: Allstate Insurance | 1001 S Douglas Hwy #130 | +13076861133 |
| Christy Schomer Agency- American National | 320 S Gillette Ave STE E | +13076708333 |
| HUB International | 601 W Four-J Ct Unit A | +13076829397 |
| Farmers Insurance – P B Howell | 401 E 2nd St | +13076823197 |
| Farmers Insurance – Lyle Austin | 201 W Lakeway Rd #1000 | +13076865002 |
Best Life Cover In Laramie
Laramie, situated in southeastern Wyoming, serves as a captivating blend of picturesque landscapes, rich history, and vibrant university life. Nestled between the Snowy Range and the Laramie Range, this city is a gateway to outdoor adventures, offering unlimited access to hiking, biking, and winter sports. As the home of the University of Wyoming, Laramie brims with youthful energy and intellectual pursuits, hosting various cultural and sporting events that unite the community. The city’s historical roots are deeply intertwined with the development of the American West, featuring landmarks and museums that recount tales of the frontier era. Laramie’s welcoming atmosphere, combined with its scenic beauty and historical depth, makes it a remarkable destination for visitors and a cherished home for residents.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| RR WILLIAMS @ ASSOCIATES | 31 Black Elk Trail | +13077458487 |
| Albany Insurance Agency | 409 E Bradley St Unit 2 | +13077550563 |
| Keadle Danette | 566 N 3rd St #100 | +13077457447 |
| Mountain West Farm Bureau Mutual Insurance Company | 931 Boulder Dr | +13073431959 |
| Insurance Unlimited | 568 N 3rd St #100 | +13077457447 |
| Burns Insurance | 1465 N 4th St #115 | +13077450400 |
| Insurance Solutions by Laramie Investment Company, Inc. | 104 S 5th St | +13077422103 |
| Scott McFarland – State Farm Insurance Agent | 1262 N 22nd St Unit A | +13077425246 |
| Galand Thaxton – State Farm Insurance Agent | 411 S 4th St | +13077428176 |
| Betty Buckman: Allstate Insurance | 755 N 4th St | +13077453202 |
| Todd Pearson – Mutual of Omaha Advisor | 409 E Bradley St Unit 2 | +13077550563 |
| Farmers Insurance – Paul Tafoya | 866 N 4th St Ste. 1 | +13077455488 |
| Farmers Insurance – Christian Haglund | 1660 N 4th St Ste R | +13077458667 |
Best Life Insurance In Rock Springs
Rock Springs, nestled in the heart of Wyoming, is a vibrant city known for its rich cultural tapestry and historical significance in the mining industry. Often hailed as the “City of 56 Nationalities” due to its diverse immigrant population in the early 20th century, Rock Springs boasts a unique blend of cultural heritage and community spirit. The city serves as a gateway to natural wonders, with the Killpecker Sand Dunes and Flaming Gorge National Recreation Area nearby, offering outdoor enthusiasts a plethora of activities from hiking and fishing to wildlife viewing. Rock Springs is not just a hub for history and outdoor adventures; it is also a thriving community with a strong educational system, robust economy, and a commitment to preserving its colorful past while embracing the future.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Wyoming Financial Insurance Casper | 1455 Dewar Dr #37 | +13073623743 |
| Zebre’s Insurance Inc | 402 Broadway St | +13072262237 |
| Bob Elmer Insurance Group Inc | 1453 Dewar Dr | +13073623743 |
| Blue Cross Blue Shield of Wyoming – Rock Springs Member Center | 1471 Dewar Dr #144 | +13073623501 |
| Victor Hiler – State Farm Insurance Agent | 100 Village Cir | +13073621933 |
| Smartt Insurance | Christensen Insurance | 2201 Foothill Blvd ste e | +13073823671 |
| Amber Kramer – State Farm Insurance Agent | 906 Dewar Dr | +13073826211 |
| Tegeler & Associates | 1125 Pilot Butte Ave | +13073625655 |
| Wood Wealth Group – Independent Insurance Agent – Kevin Harrison DBA East Coast Insurance Providers | 1215 Elk St Suite A | +13072120651 |
| Quote Hub Insurance | 538 Pilot Butte Ave Suite 7 | +13072268898 |
| Charles R. Lee New York LIfe | 417 Broadway St | +13073624043 |
| Farm Bureau Financial Services – Alex Bear, Agent, Financial Advisor | 2632 Foothill Blvd Ste 102 | +13072093370 |
| Farmers Insurance – Jamie Moore | 2001 Dewar Dr Ste 180 | +13073623652 |
You Won't Find A Lower Rate
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You never know what battles people may be fighting.
Top Life Insurance Companies In Wyoming
For the residents of the great state of Wyoming, 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
