Life insurance is a form of insurance designed to pay a death benefit to your beneficiaries when you die. Most causes of death are covered, but read your individual policy for specific details. Life insurance does not typically cover preexisting conditions, criminal activity, suicide, death while under the influence of drugs or alcohol, or death while performing certain high risk activities.

You need life insurance to protect your loved ones and their financial future. No one enjoys thinking about what will happen to their loved ones when the unthinkable happens, but you can help make sure their financial needs are met if you aren’t there to care for them. Adequate life insurance will help provide you with peace of mind in knowing your family and loved ones will not be under financial duress in your absence.

Life insurance policies offer a variety of options, and can be tailored to your needs. Policies can cover a wide range of things, including end of life expenses such as burial or cremation and services, outstanding debt payments, tuition payments, day to day expenses, and more. Read your personal insurance policy carefully to determine what your insurance policy details.

Great question. Because we are an independent insurance agency serving Missouri, Kansas, Nebraska, Iowa, Colorado and Nevada, we aren’t tied to one specific insurance carrier. We are free to examine the ins and outs of your lifestyle and family needs, and match you to the best insurance carrier that is the right fit for you and your loved ones.