Kentucky Life Insurance [2024]

We offer Kentucky residents life insurance from several of the best KY life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so expect your Kentucky life insurance rates to differ.

However, this guide should help you understand the differences in Kentucky life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Kentucky.

How to Get Kentucky Life Insurance Quotes

We offer Kentucky residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies and then approved by the State Insurance Department.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states. These exclusions can be viewed by clicking on the life insurance companies in the list below.

Kentucky life insurance also offers residents a 10-30-day free look period and a 30-day grace period.

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What are the life insurance rates in Kentucky?

Let’s take a look at what the best life insurance companies charge. This will give you an idea of what to expect with Kentucky life insurance rates. In the first chart below, you’ll notice the average annual rates for non-smokers based on age, marital status, and gender. 

Now, take a look at the average annual rates for smokers based on age, marital status, and gender. As you can see, the Kentucky life insurance quotes are much higher, presumably because of the higher mortality risk.

You can also see how many life insurance companies there are in Kentucky versus the other southern states.

According to the chart, there are six Kentucky life insurance companies that specifically do business within the state. However, that doesn’t mean less Kentucky life insurance policy options for you. 

What is the Kentucky Guaranty Association?

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all insurance companies licensed to sell life insurance, health insurance and annuities in the state. If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Kentucky, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for anyone life. In other words, multiple policies on any one person are limited to this amount.

What are the necessary Kentucky life insurance contacts?

Here is a list of all the necessary state contacts for residents with Kentucky life insurance claims and other related matters.

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Guaranty Association

If you need information about a Kentucky life insurance or health insurance guaranty, contact the Kentucky Life & Health Insurance Guaranty Association at 1-502-895-5915 or visit the website.

Insurance Department

For the latest updates and information about insurance in Kentucky, call the Kentucky Department of Insurance phone number at 1-877-587-7222 or visit the website and click on the Kentucky Department of Insurance Contact Us page. Here, you’ll find the answers to all your questions about Kentucky employee life insurance and Kentucky state health insurance.

State employees can also obtain up-to-date information about their KY state employee life insurance and lookup an agent or provider’s Kentucky insurance renewal compliance information here as well.

Legal Info

QuickQuote is licensed to sell life insurance in Kentucky under Agency License Number 509351.

The licensed company principal is Tim Bain, Agent License Number 523129.

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What are Kentucky life insurance companies?

American General Life Insurance Company

Banner Life Insurance Company

Fidelity Life Association

Haven Life / MassMutual

John Hancock Life Insurance Company

Lincoln National Life Insurance Company

Metlife Life Insurance Company

North American Company for Life & Health Insurance

Pacific Life & Annuity Company

Principal Life Insurance Company

Protective Life Insurance Company

Pruco Life Insurance Company (Prudential)

Sagicor Life Insurance Company

The Savings Bank Life Insurance Company of Massachusetts (SBLI)

Transamerica Life Insurance Company

United of Omaha Life Insurance Company

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