Best Life Insurance In Wyoming


  • Rikin Shah
  • Jun 20, 2024
wyoming cost of a funeral

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.

Age20
Male$15.39
Male (Smoker)$16.57
Female$14.04
Female (Smoker)$16.21
Age25
Male$16.07
Male (Smoker)$17.72
Female$15.57
Female (Smoker)$17.49
Age30
Male$17.68
Male (Smoker)$20.43
Female$16.36
Female (Smoker)$18.77
Age35
Male$18.59
Male (Smoker)$22.30
Female$17.98
Female (Smoker)$20.71
Age40
Male$20.95
Male (Smoker)$25.45
Female$19.76
Female (Smoker)$23.79
Age45
Male$23.71
Male (Smoker)$29.06
Female$22.46
Female (Smoker)$27.39
Age50
Male$27.61
Male (Smoker)$34.19
Female$24.45
Female (Smoker)$32.00
Age55
Male$32.56
Male (Smoker)$39.98
Female$28.17
Female (Smoker)$36.76
Age60
Male$39.31
Male (Smoker)$47.77
Female$33.46
Female (Smoker)$42.68
Age65
Male$48.74
Male (Smoker)$57.76
Female$41.64
Female (Smoker)$50.51
Age70
Male$60.37
Male (Smoker)$70.85
Female$52.81
Female (Smoker)$60.51
Age75
Male$97.86
Male (Smoker)$133.37
Female$71.66
Female (Smoker)$95.20
Age80
Male$135.07
Male (Smoker)$181.80
Female$98.29
Female (Smoker)$135.37
Age85
Male$188.17
Male (Smoker)$257.73
Female$132.33
Female (Smoker)$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.

Mogen AgencyRudy Insurance Agency
400 E 1st St Suite 2143211 Energy Ln Ste. 404
+13072661966+13072243433
400 E 1st St Suite 214330 S Center St Ste 344
+13072661966+13073374222
400 E 1st St Suite 214545 E 2nd St
+13072661966+13072344551
400 E 1st St Suite 214770 E Collins Dr
+13072661966+13074724800
400 E 1st St Suite 2144040 S Poplar St
+13072661966+13073371411
400 E 1st St Suite 214777 Overland Trail STE 105
+13072661966+13072771530
400 E 1st St Suite 2141432 E 2nd St
+13072661966+13073332624
400 E 1st St Suite 214400 E 1st St # 105
+13072661966+13074733000
400 E 1st St Suite 21480 Magnolia
+13072661966+13072592775
400 E 1st St Suite 2141973 E A St
+13072661966+13072655173
400 E 1st St Suite 2145840 E 2nd St Ste 100
+13072661966+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.

Andrea Insurance AgencyFarm Bureau Insurance of Cheyenne
2232 Dell Range Blvd Suite 3006248 Yellowstone Rd
+13072631400+13076329008
Andrea Insurance AgencyLegacy
2232 Dell Range Blvd Suite 3001903 S Greeley Hwy #311
+13072631400+18885255501
2232 Dell Range Blvd Suite 3004515 E Lincolnway Ste E
+13072631400+13076342715
Andrea Insurance AgencyFarm Bureau Financial Services
2232 Dell Range Blvd Suite 3003001 Henderson Dr P
+13072631400+13076321194
Andrea Insurance AgencyKnifong Insurance Agency Inc.
2232 Dell Range Blvd Suite 3002005 Warren Ave
+13072631400+13077723333
Andrea Insurance AgencyOak Insurance Group
2232 Dell Range Blvd Suite 3001620 Central Ave # 202
+13072631400+13072226100
Andrea Insurance AgencyAnderson Insurance Group
2232 Dell Range Blvd Suite 3001615 House Ave
+13072631400+13074264670
Andrea Insurance AgencyRocky Mountain Capital Agency
2232 Dell Range Blvd Suite 300500 W 27th St
+13072631400+13076352491
2232 Dell Range Blvd Suite 300453 Vandehei Ave #150
+13072631400+13076329103
2232 Dell Range Blvd Suite 3001723 Thomes Ave
+13072631400+13076352744
2232 Dell Range Blvd Suite 3005420 Yellowstone Rd STE 1
+13072631400+13076326722
Andrea Insurance AgencyBurns Insurance
2232 Dell Range Blvd Suite 300237 Storey Blvd
+13072631400+13076345757
2232 Dell Range Blvd Suite 3007338 Stockman St
+13072631400+13075146453
2232 Dell Range Blvd Suite 3004515 E Lincolnway Ste E
+13072631400+13076342715

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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.

Cindy Dawson AgencyFarmers Union Insurance: Eric R. Scalzo Insurance Agency
401 E 2nd St609 E 2nd St
+13076823197+13076825788
Cindy Dawson AgencyFarmers Union Insurance: Elizabeth Jones Agency
401 E 2nd St1001 S Douglas Hwy #184
+13076823197+13076826520
Cindy Dawson AgencyTegeler & Associates
401 E 2nd St1001 S Douglas Hwy #270
+13076823197+13076825130
401 E 2nd St310 East Lakeway Road
+13076823197+13076871700
Cindy Dawson AgencyJon Craft Insurance Agency
401 E 2nd St1001 S Douglas Hwy #184
+13076823197+13076826520
401 E 2nd St1309 W 2nd St
+13076823197+13076824454
401 E 2nd St1001 S Douglas Hwy B7
+13076823197+13076856600
401 E 2nd St1001 S Douglas Hwy #130
+13076823197+13076861133
401 E 2nd St320 S Gillette Ave STE E
+13076823197+13076708333
Cindy Dawson AgencyHUB International
401 E 2nd St601 W Four-J Ct Unit A
+13076823197+13076829397
401 E 2nd St401 E 2nd St
+13076823197+13076823197
401 E 2nd St201 W Lakeway Rd #1000
+13076823197+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.

RR WILLIAMS @ ASSOCIATESAlbany Insurance Agency
31 Black Elk Trail409 E Bradley St Unit 2
+13077458487+13077550563
RR WILLIAMS @ ASSOCIATESKeadle Danette
31 Black Elk Trail566 N 3rd St #100
+13077458487+13077457447
31 Black Elk Trail931 Boulder Dr
+13077458487+13073431959
RR WILLIAMS @ ASSOCIATESInsurance Unlimited
31 Black Elk Trail568 N 3rd St #100
+13077458487+13077457447
RR WILLIAMS @ ASSOCIATESBurns Insurance
31 Black Elk Trail1465 N 4th St #115
+13077458487+13077450400
31 Black Elk Trail104 S 5th St
+13077458487+13077422103
31 Black Elk Trail1262 N 22nd St Unit A
+13077458487+13077425246
31 Black Elk Trail411 S 4th St
+13077458487+13077428176
RR WILLIAMS @ ASSOCIATESBetty Buckman: Allstate Insurance
31 Black Elk Trail755 N 4th St
+13077458487+13077453202
31 Black Elk Trail409 E Bradley St Unit 2
+13077458487+13077550563
RR WILLIAMS @ ASSOCIATESFarmers Insurance – Paul Tafoya
31 Black Elk Trail866 N 4th St Ste. 1
+13077458487+13077455488
31 Black Elk Trail1660 N 4th St Ste R
+13077458487+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.

Wyoming Financial Insurance CasperZebre’s Insurance Inc
1455 Dewar Dr #37402 Broadway St
+13073623743+13072262237
Wyoming Financial Insurance CasperBob Elmer Insurance Group Inc
1455 Dewar Dr #371453 Dewar Dr
+13073623743+13073623743
1455 Dewar Dr #371471 Dewar Dr #144
+13073623743+13073623501
Wyoming Financial Insurance CasperVictor Hiler – State Farm Insurance Agent
1455 Dewar Dr #37100 Village Cir
+13073623743+13073621933
Wyoming Financial Insurance CasperSmartt Insurance | Christensen Insurance
1455 Dewar Dr #372201 Foothill Blvd ste e
+13073623743+13073823671
Wyoming Financial Insurance CasperAmber Kramer – State Farm Insurance Agent
1455 Dewar Dr #37906 Dewar Dr
+13073623743+13073826211
Wyoming Financial Insurance CasperTegeler & Associates
1455 Dewar Dr #371125 Pilot Butte Ave
+13073623743+13073625655
1455 Dewar Dr #371215 Elk St Suite A
+13073623743+13072120651
Wyoming Financial Insurance CasperQuote Hub Insurance
1455 Dewar Dr #37538 Pilot Butte Ave Suite 7
+13073623743+13072268898
Wyoming Financial Insurance CasperCharles R. Lee New York LIfe
1455 Dewar Dr #37417 Broadway St
+13073623743+13073624043
1455 Dewar Dr #372632 Foothill Blvd Ste 102
+13073623743+13072093370
Wyoming Financial Insurance CasperFarmers Insurance – Jamie Moore
1455 Dewar Dr #372001 Dewar Dr Ste 180
+13073623743+13073623652

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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 TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • 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 TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • 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.