Best Life Insurance Companies in Kansas

Recognized as the Best Overall Runner-Up, MassMutual stands out for its strong life insurance offerings. It provides term, whole, and universal coverage at competitive prices, with numerous customization options available through its extensive list of riders. Its agents specialize in MassMutual policies, thanks to comprehensive training, making them valuable resources for clients. The company’s financial stability is evident in its A++ Superior rating from AM Best. Though less visible in Kansas, MassMutual continues to be a respected name in the state.

With its headquarters in the heart of New York City and offices across the state, New York Life is a familiar name to Kansans. The company has been a leader in the life insurance industry since 1845, employing thousands statewide. We recognized New York Life as the best overall for its strong reputation and diverse product lineup. It is a top choice for term life insurance, offering high-value options like the Million Plus Level Term 10 policy, which provides a fixed premium for ten years and coverage of $1 million or more.

New York Life’s term life insurance premiums increase after ten years, but many policies are convertible to permanent life insurance. Their whole life options include a plan that offers payment customization, making it suitable for those with variable incomes or an interest in early payoff. The Secure Wealth Plus policy is available to individuals aged 0 to 60 and can be completed in 10 years. New York Life’s size and financial strength set it apart, making it the Best Overall. It is the third largest life insurance provider in the U.S., the largest mutual insurer, and ranked 72nd on the Fortune 500 list.

With its emphasis on serving seniors, Mutual of Omaha has become a trusted choice. Its popularity stems not only from the memorable “Wild Kingdom” show but also from its agents’ specialized training in addressing senior needs. The company offers two key life insurance options for seniors with health issues. The guaranteed-issue policy requires no medical exams or health questions, making it ideal for serious conditions like cancer or stroke. The simplified-issue policy, on the other hand, skips the exam but asks health questions, providing coverage for minor ailments such as high blood pressure or type 2 diabetes.

Seniors face the highest life insurance premiums, and many put their trust in Mutual of Omaha. With decades of experience in senior insurance, the company offers popular products like Medicare supplements and life insurance. Baby Boomers and their parents have relied on Mutual of Omaha since their younger years. Its reputation is bolstered by strong direct mail campaigns and highly trained agents.

J.D. Power consistently recognizes State Farm for its top-tier life insurance customer satisfaction, a testament to its commitment to policyholders. Boasting the largest network of agents nationwide, the company ensures convenience with local offices for in-person assistance. Trusted for its exceptional service and speedy claims handling, State Farm offers families dependable care when they need it most.

Recognizing that young adults often work within tight budgets, Transamerica specializes in affordable life insurance policies designed to meet their financial needs. Its website prioritizes accessibility, offering a straightforward and informative experience for younger consumers. Transamerica is dedicated to providing life insurance coverage for individuals of all ages and economic backgrounds.

Getting young adults interested in life insurance is difficult, as many put off buying coverage until marriage or parenthood. Transamerica, however, continues to focus on this demographic due to its profitability tied to lower mortality rates. That said, the company ranked poorly for customer service, possibly due to its use of independent agents, whose service quality can vary.

Known for its leadership in Kansas’ life insurance market, MassMutual also stands out financially, providing some of the best rates across the state. Despite the availability of budget competitors, MassMutual remains a top choice for its competitive pricing. While affordability is only one aspect of life insurance, it’s a critical factor for many buyers. The company’s term life insurance policies are particularly noteworthy, with affordable premiums and high coverage amounts, even though their permanent life insurance options, like whole and universal policies, come with higher costs.

Nationwide is widely respected with many local branches providing sales and service across the country. Smokers in Kansas who need life insurance will find their slogan, “Nationwide is on your side,” rings true. Despite slightly higher rates for smokers compared to leading competitors, Nationwide is the preferred option for smokers due to its competitive pricing, available agents, and excellent customer service.