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Find the Best Life Insurance Quotes in Kansas City

Purchasing a life insurance policy gives your loved ones security after you pass away, covering necessary expenses and protecting them from financial hardship. We researched the best life insurance in Kansas City to help with your financial planning.

Compare Top Life Insurance Companies

Authorized Partner
Haven Life
Overall satisfaction rating
  • Term life insurance up to 30 years
  • Coverage up to $3 million
  • Level premiums and accelerated death benefit
  • Available in Kansas City and nationwide
Learn More Read More
Fabric
  • Term life insurance up to 20 years
  • Coverage from $100,000 to $5 million
  • Offers accidental death insurance and free online wills
  • Available in Kansas City and nationwide
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Ladder
  • Term life insurance up to 30 years
  • Coverage up to $8 million
  • Apply in minutes and get an instant decision
  • Available in Kansas City and nationwide
Read More
Policygenius
Overall satisfaction rating
  • Free coverage assessment tool
  • Helped over 4.5 million customers
  • Handles your paperwork at no extra cost
  • Available in Missouri & Kansas

Apply in 5 minutes!

Location
Serves residents in
Kansas City, MO & KS
(855) 695-2255
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EverQuote
  • Get matched with insurers that fit your needs & budget
  • Fast, free comparision of quotes
  • Largest online marketplace for insurance shopping
  • Available in Missouri & Kansas
Location
Serves residents in
Kansas City, MO & KS
(855) 522-3444
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Kansas City Life Insurance Company
  • Offers a variety of solutions
  • Excellent customer service and facilities
  • Maintains great financial strength ratings
  • Founded in KC in 1895
Location
3520 Broadway Blvd.
Kansas City, MO 64111
(816) 753-7000
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State Farm
  • Free quotes available for life insurance policies
  • Offers three versions of life insurance to meet all needs
  • Exceptional, personal customer service
  • Option to bundle other insurance for discounts
Location
1100 Walnut St., Ste.130
Kansas City, MO 64106
(816) 221-9066
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New York Life Insurance Company
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • greaterkansascity.nyloffices.com
Location
7500 College Blvd.
Overland Park, KS 66210
(913) 451-9100
Liberty National Life Insurance Company
  • M-F: 7:30am - 5pm
  • Closed Sat and Sun
  • agency.libertynational.com/markwofford
Location
10540 Barkley, Ste. 218
Overland Park, KS 66212
(913) 701-6320
American Income Life
  • M-F: 8am - 3pm
  • Closed Sat & Sun
  • agency.ailife.com/hunt-correa
Location
6501 E Commerce Ave., Ste. 170
Kansas City, MO 64120
(816) 942-3230
American Family Insurance
  • M-F: 8:30am - 5pm
  • Closed Sat & Sun
  • agent.amfam.com/robert-redmond/mo/kansas-city/6315-brookside-plz
Location
6315 Brookside Plaza, Ste. 104
Kansas City, MO 64113
(816) 361-8600
Farmers Insurance
  • M-F: 9am - 6pm
  • Closed Sat & Sun
  • agents.farmers.com/mo/kansas-city/clinton-cockrill
Location
1103 Westport Rd.
Kansas City, MO 64111
(816) 569-2450
Sun Life Financial
  • M-F: 8am - 5pm
  • Closed Sat & Sun
  • sunlife.com
Location
2323 Grand Blvd.
Kansas City, MO 64108
(816) 474-2345

How to choose life insurance in Kansas City

Kansas City Skyline

A life insurance policy provides a predetermined amount of money to your beneficiaries to help support them after your passing. Life insurance can also serve as an inheritance for your loved ones or act as a charitable contribution in your name.

Life insurance is often purchased by people in Kansas City who support other family members and want to ensure their family is provided for after the insured person has passed away.

Life insurance can help your family cover:

  • Funeral and medical bills
  • Debt and essential expenses (mortgage payments or college funds)
  • Federal estate taxes (neither Missouri nor Kansas has a state estate tax)

There are two main types of life insurance available in Kansas City: term life and whole life. There are a variety of factors that determine which is best for you, including the length of the policy and the amount you’re able to pay in premiums.

Term life insurance

Term life insurance provides coverage for a length of time agreed on in the contract. It only protects your dependents if you die within your policy term; once the policy term ends, all premiums and benefits end. Most policies maintain the same payout and premium throughout the term.

With this insurance, you should add up your costs and choose a term that best fits your needs. For example, if you have two children who will be attending college, you’ll want to ensure your policy will last long enough to cover those costs.

Whole life insurance

Unlike term life insurance, whole life insurance has an investment component (tax-deferred cash value) that grows while your policy is in place. With this policy, you can borrow against the account or surrender it for payout.

These are often more expensive but guarantee a return on investment. Whole life insurance is usually a better idea for those who purchase life insurance early in life because of the length of time it takes to build a cash value and the potential for lower premiums.

Here’s a further breakdown:

Term Whole
Coverage Purchased for a specific time period (typically 5-, 10-, 15-, or 30-year terms) Covers you for your entire life
Payout type Death benefit/payout if death occurs during term Death benefit and cash value accumulation
Cost Lower premium Varies, but usually has higher premiums
Pros Flexible & affordable Benefits never expire
Cons Could outlive policy/could need to renew policy when in poor health, leading to a higher cost More expensive

Another option is universal life insurance—a type of whole life insurance that is more flexible and has lower premiums. With this policy, a portion of your monthly premium goes toward the death benefit, and the rest is invested. Universal life insurance can be riskier because the return on investment depends on the market.

To decide which plan is best for you, talk to a financial planner or an insurance agent who can assess your needs and help you with a strategic plan that will provide your family with financial security.

Because of the importance and high values of life insurance policies, it’s important to work with reputable companies. Large firms such as State Farm, MetLife and Prudential Financial are financially stable companies with an extensive array of life insurance options.

You should look at the company’s reviews and financial strength as well as the Missouri Department of Insurance’s Consumer Complaint Report before choosing a company. A.M. Best is one of the leading companies to rate financial strength—Northwestern Mutual, Guardian Life and MassMutual are just a few companies that maintain an A++ rating with A.M. Best.

The cost of life insurance in Kansas City

Insurance companies look at many factors when determining the price of a life insurance policy, including the insured person’s:

  • Age
  • Gender
  • Health
  • Personal/family medical history
  • Occupation

The type of insurance, length of term and benefit amount will also impact the cost of your life insurance premiums.

While price can be a deciding factor, opting for less coverage at a lower cost may not best fit your needs. Life insurance is a long-term solution, not a short-term investment, so look at your overall financial situation to decide what coverage is right for you and your family. You can save money by determining how much coverage you need and then comparing offers from different life insurance companies.

Life Insurance Reviews

Authorized Partner

Haven Life

Haven Life is a tech-oriented, online life insurance provider of policies issued by MassMutual. Its flagship policy, Haven Term, offers coverage up to $3 million and includes the Haven Life Plus rider, with free benefits like a digital will. Haven Simple requires no medical exam and is available with coverage up to $500,000. Both types have level premiums and an accelerated death benefit. Customers can decrease their coverage amount or cancel their policy anytime. Refer friends or family for Haven Term and receive a $50 Amazon gift card.

Haven Life Learn More

Fabric

Fabric provides term life insurance policies issued by Vantis Life. Choose a term length of 10, 15 or 20 years and a coverage amount from $100,000 to $5 million. Apply online in about 10 minutes. Some applicants can get coverage immediately, with no medical exam required. Decrease your coverage amount or cancel your policy anytime. You can also convert your term life insurance into whole life insurance. Fabric offers free online wills and financial organization tools. Accidental death insurance is available.

Fabric

Ladder

Ladder offers term life insurance policies issued by Fidelity Security Life Insurance Company, based in Kansas City. The company designs its policies so customers can “ladder” coverage, or increase or decrease it, at any time. Apply for a policy in minutes and get an instant decision. Ladder charges no cancellation fees. Kansas City customers can earn $50 for each person they refer who qualifies for an offer from Ladder.

Ladder

Policygenius

Policygenius is an independent insurance broker that walks customers through the life insurance purchasing process. The company’s online tool allows you to compare coverage and quotes from more than a dozen companies side by side. Policygenius is dedicated to transparency and lists the pros and cons of each insurer.

Policygenius

EverQuote

EverQuote is a fast, free online service that comes with no obligations. The company allows you to fill out an online quote request to receive rates from a variety of companies. The company also has experts who help you choose a policy. Kansas City customers rate the company highly for its straightforward application process.

EverQuote

Kansas City Life Insurance Company

Kansas City Life was founded in 1895 and has expanded to 48 states. The company offers a wide variety of life insurance solutions and has an A rating from A.M. Best. Kansas City customers say the company has excellent service and that they appreciate its convenient location in the heart of Downtown KC.

Kansas City Life Insurance Company

State Farm

Tony Guy is a local agent for State Farm Insurance, one of the most trusted names in the life insurance industry. State Farm offers discounts for bundling different types of insurance policies and has a wide variety of life insurance policies for customers. Kansas City reviewers praise this branch for its excellent customer service.

State Farm