Missouri Life Insurance [2023]

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.

UPDATED: Feb 28, 2023Fact Checked

Ready to compare quick life insurance quotes?

Your life insurance quotes are always free.

Secured with SHA-256 Encryption

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.

Full Bio →

Written by Tim Bain
Founder & Life Insurance Agent

Benjamin Carr worked as a licensed insurance agent at State Farm and Tennant Special Risk. He sold various lines of coverage and informed his clients about their life, health, property/casualty insurance needs. Assessing risks and helping people find the best coverage to suit their needs is a passion of his. He appreciates that insurance was designed to protect people, particularly during times...

Full Bio →

Reviewed by Benjamin Carr
Former State Farm Insurance Agent

UPDATED: Feb 28, 2023

Advertiser Disclosure

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: Feb 28, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

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.

Read More: The Cost of Life Insurance

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.

Your life insurance quotes are always free.

Secured with SHA-256 Encryption

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.

View as image

In the following chart, you can also see how many Missouri life insurance companies there are compared to other midwestern states.

View as image

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.

Your life insurance quotes are always free.

Secured with SHA-256 Encryption

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.