Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Oct 30, 2020

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

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

Before we dive into this guide, find affordable Iowa life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Iowa Life Insurance Quotes

We offer Iowa 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 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.

Iowa life insurance also offers residents a 10-day free look period, 30-day grace period, a guaranteed death benefit up to $300,000, and a timely payment of death benefit claims.

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Life Insurance Rates in Iowa

To give you an idea of what Iowa life insurance rates look like, 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. 

Keep in mind that your Iowa life insurance quotes may be different, especially depending on which type of Iowa life insurance policy you choose.

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In this next chart, you can also see how many Iowa life insurance companies there are in comparison to other midwestern states.

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As you can see in the above chart, Iowa is home to 42 life insurance companies that operate specifically in the state, which means plenty of options. Get access to the best Iowa life insurance with our free comparison tool on this page to save money.

Iowa 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 Iowa, 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.

Iowa Life Insurance Contacts

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

Guaranty Association

If you need information about an Iowa life insurance or health insurance guaranty, contact the Iowa Life & Health Insurance Guaranty Association at 1-515-248-5712 or visit the website.

Insurance Department

For the latest updates from the Iowa Insurance Division, you can call 1-877-955-1212 or visit the website. Here, you’ll find all the current Iowa insurance regulations and Iowa insurance commissioner complaints.

You can also access resources such as the Iowa Department of Insurance license lookup. Iowa life insurance license information for any agent or provider throughout the state, including any Iowa life insurance company in Des Moines, Iowa, is also available through the Iowa Department of Insurance.

State employees can also access resources and links to the State of Iowa benefits.

Legal Info

QuickQuote is licensed to sell life insurance in Iowa under Agency License Number 1001001395.

The licensed company principal is Tim Bain, Agent License Number 2890464.

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Iowa 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

Don’t wait — Use our free quote tool to get affordable life insurance rates in Iowa. Get started now.