Term life
Level premiums for 10, 15, 20 or 30 years. The workhorse policy for mortgage and child-rearing years.
Personal lines
Life insurance
Term, whole life and final expense policies sized with a real needs calculation instead of a round number.
Sample: $38/mo14 carriers shoppedNo agency fee
Overview
What life insurance is really for
Most people either have no life insurance or have whatever their employer gave them, which usually disappears the day they change jobs. The right number is not a rule of thumb, it is your mortgage balance, your remaining income years, your childcare costs and your education goals, minus what you already have.
Run our needs calculator first, then let us shop it. Term life for a healthy 35-year-old is one of the few things in this business that is genuinely inexpensive.
What the policy includes
The coverages we build into every quote, plus the endorsements that matter in this metro.
Whole life
Permanent coverage with a guaranteed death benefit and cash value growth. Slower to build, useful for estate and legacy planning.
Final expense
Smaller permanent policies, typically $10,000 to $25,000, designed to cover funeral and settlement costs without a medical exam.
Riders worth knowing
Waiver of premium, accelerated death benefit for terminal illness, and child term riders.
Conversion options
Most term policies can convert to permanent coverage without a new medical exam. The conversion window varies by carrier.
Business applications
Key person coverage and buy-sell funding for partnerships, quoted through the same carriers.
How we place it
Four steps from your current policy to a better-fitting one.
- 1
Run the needs calculation
Income replacement, debts, education and final expenses, minus existing coverage and savings.
- 2
Choose term length
Match it to the years your family depends on your income, usually until the mortgage ends or the youngest child finishes school.
- 3
Apply and underwrite
Many carriers now offer accelerated underwriting with no exam for healthy applicants under certain face amounts.
- 4
Review every few years
New baby, new mortgage, new business. Coverage should move with the obligation.
Why clients choose us for this
- A calculated number, not a guess
- Accelerated underwriting available at several carriers, often with no medical exam
- Independent shopping across life carriers with different health-class rules
- Straight answers about when whole life is and is not worth it
What moves the price
- Age at application
- Premiums rise every year you wait. This is the one factor entirely within your control.
- Health class
- Blood pressure, cholesterol, build and family history determine your rate class, and carriers grade these differently.
- Tobacco use
- The single largest premium multiplier in life underwriting.
- Face amount and term length
- More coverage for longer costs more, but rarely in a straight line. Sometimes $500,000 costs barely more than $400,000.
- Occupation and hobbies
- Aviation, climbing and certain trades are rated by some carriers and ignored by others.
Often written alongside
Coverages that overlap with this one, or fill the gap it leaves.
All coverage
Home insuranceDwelling, contents and liability coverage built around Kansas City's hail, wind and older housing stock.
Business owners policyProperty, general liability and business income bundled for Kansas City shops, offices, studios and contractors.
Auto insuranceLiability, collision and uninsured motorist coverage written for how Missouri and Kansas drivers actually commute.Life insurance questions
If your question is not here, call the office. You will reach a licensed agent in Kansas City, not a queue.
Our calculator adds income replacement, remaining mortgage and debts, childcare and education costs and final expenses, then subtracts existing coverage and liquid savings. It takes about two minutes and the result is yours to keep.
Usually not. Group coverage is typically one or two times salary, it ends when the job ends, and it is rarely portable at a good rate. Treat it as a supplement.
For most households with a mortgage and young children, term covers the largest need at the lowest cost. Whole life earns its place in estate planning, business succession and lifelong dependent care.
Often not. Several carriers offer accelerated underwriting up to substantial face amounts for healthy applicants, with a decision in days rather than weeks.
Get this quoted properly
Send us your current declarations page and we will shop fourteen carriers, then tell you plainly whether moving is worth it.
No fee for our work. No obligation to switch. Usually a same-day written comparison.