Missouri Life Insurance [2024]
Missouri life insurance offers residents a 30-day grace period, a guarantee of death benefits up to $300,000, and a timely payment of death claims. Get affordable MO life insurance quotes to protect your loved ones.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...
Certified Financial Planner
UPDATED: Nov 10, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
UPDATED: Nov 10, 2023
It’s all about you. We want to help you make the right life insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.
Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
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- Missouri life insurance offers residents a 30-day grace period
- Guarantee of death benefits up to $300,000
- Timely payment of death claims
Missouri residents are fortunate to qualify for life insurance from several of the best MO life insurance companies. Life insurance is very similar from state to state, with a few exceptions, so your Missouri life insurance rates may vary.
However, this guide should help you understand the differences in Missouri life insurance and find resources in your state. We’ll also show you how to get the best life insurance in Missouri.
Before we dive into this guide, find affordable Missouri life insurance rates by clicking on our FREE quote tool above. Get started now.
Missouri Life Insurance Quotes
Missouri residents have the choice to purchase life insurance policies 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 and 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.
Missouri life insurance also offers residents a 30-day grace period, a guarantee of death benefits up to $300,000, and a timely payment of death claims.
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Life Insurance Rates in Missouri
To give you an idea of Missouri life insurance rates, you can check out the chart below to see what the top companies charge based on age, marital status, and gender for both smokers and non-smokers.
Remember that your Missouri life insurance quotes may be different, especially depending on which type of Missouri life insurance policy you choose.
In the following chart, you can also see how many Missouri life insurance companies there are compared to other midwestern states.
As you can see in the above chart, Missouri is home to 28 life insurance companies that operate specifically in the state, which means you have plenty of options. Get access to the best Missouri life insurance with our free comparison tool on this page to save money.
Missouri Guaranty Association
State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association comprises 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 Missouri, a life insurance policy is protected up to $300,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.
Missouri Life Insurance Contacts
Here is a list of all the necessary state contacts for residents with Missouri life insurance claims and other related matters.
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Guaranty Association
Contact the Missouri Life & Health Insurance Guaranty Association at 1-573-634-8455 or visit the website if you need information about a Missouri life insurance or health insurance guaranty.
Insurance Department
For the latest updates about Missouri state insurance, contact the Missouri Department of Insurance by phone at 1-800-726-7390. Here, you can find the most current information regarding Missouri life insurance laws, including Missouri life insurance beneficiary laws.
You can also access the Missouri life insurance lookup, the Missouri life insurance policy locator, or find a life insurance policy provider in Missouri. Home and life insurance companies will provide contact information via this state page for you to reach out with further questions.
Legal Info
QuickQuote is licensed to sell life insurance in Missouri under Agency License Number 8006188.
The licensed company principal is Tim Bain, Agent License Number 0125105.
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Missouri Life Insurance Companies
American General 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
Don’t wait — Use our free quote tool to get affordable life insurance rates in Missouri. Get started now.
Frequently Asked Questions
What is life insurance?
Life insurance is a contract between an individual and an insurance company, where the insurance company agrees to pay a designated sum of money to the beneficiary upon the insured person’s death. It provides financial protection to the policyholder’s loved ones in the event of their passing.
Do I need life insurance in Missouri?
Life insurance is not mandatory in Missouri, but it is highly recommended for individuals who have dependents or financial obligations. It can help provide financial security to your loved ones, cover funeral expenses, pay off debts, and replace lost income.
How much life insurance coverage do I need?
The appropriate amount of life insurance coverage varies depending on your individual circumstances, such as your income, debts, future expenses, and the financial needs of your beneficiaries. It’s recommended to evaluate your financial situation and consult with a licensed insurance agent to determine the suitable coverage amount.
Can I get life insurance with pre-existing conditions in Missouri?
Yes, it is possible to obtain life insurance with pre-existing conditions in Missouri. However, the availability and cost of coverage may depend on the specific condition, its severity, and other factors. It’s advisable to work with an experienced insurance agent who can guide you through the process and help you find suitable options.
How do life insurance premiums work in Missouri?
Life insurance premiums in Missouri are determined based on several factors, including the insured person’s age, health condition, lifestyle choices, coverage amount, and the type of policy. Premiums are typically paid monthly, quarterly, semi-annually, or annually. It’s important to review the policy details and premium payment terms before making a purchase.
Your life insurance quotes are always free.
Secured with SHA-256 Encryption
Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florida. ...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.
