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Find Final Expense Insurance Agents Near You in St Joseph, MO

Browse final expense insurance agents serving St Joseph, Missouri. Updated 2026-07-14.

The top-rated final expense insurance agent in St Joseph, Missouri is Tolly & Associates Inc American Family Insurance, rated 4.9 stars across 100 reviews. Other highly rated options include Makison Insurance & Retirement, Shelter Insurance - Dana Oerman, Adlee Conaway Insurance Agency LLC American Family Insurance. This directory lists 20 final expense insurance agents serving St Joseph.

Showing 20 final expense insurance agents in St Joseph, MOListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Tolly & Associates Inc American Family Insurance2606 N Belt Hwy(816) 232-8400
2Makison Insurance & Retirement2411 N Woodbine Rd(816) 209-6765
3Shelter Insurance - Dana Oerman6412 King Hill Ave(816) 238-1450
4Adlee Conaway Insurance Agency LLC American Family Insurance6402 King Hill Ave(816) 238-5201
5Shelter Insurance3011 S Belt Hwy(816) 354-0260
6Sunshine Cover Insurance Co805 S Belt Hwy(816) 281-5993
7John Joe Insurance Agency, Inc.2320 N Belt Hwy(816) 273-0123
8Matt Thrasher Agency Inc American Family Insurance3026 Frederick Ave(816) 238-1121
9Shelter Insurance - Matthew Judah303 S Belt Hwy(816) 232-4300
10Stephen D Lorenz Agency LLC American Family Insurance1109 N 26th St(816) 901-9200
TA
2606 N Belt Hwy
Tolly & Associates Inc American Family Insurance
Final Expense Insurance Agent · St Joseph, MO

Tolly & Associates Inc American Family Insurance serves the St. Joseph, Missouri, metro area as a final expense insurance agent. This agency helps individuals and families plan for end-of-life expenses by offering policies designed to cover costs like funeral services and medical bills. With a focus on permanent life insurance coverage, the agent works directly with local clients to explain policy details and tailor benefits to their needs. The company handles whole life insurance and simplified issue final expense plans for area residents.

MI
2411 N Woodbine Rd
Makison Insurance & Retirement
Final Expense Insurance Agent · St Joseph, MO

Makison Insurance & Retirement provides final expense insurance services to clients in St Joseph, Missouri, helping families prepare for end-of-life costs with tailored coverage options. The company focuses on simplifying the burial and funeral planning process through manageable policies that meet individual needs. It assists clients in selecting appropriate plans to ensure financial peace of mind for loved ones. Makison Insurance & Retirement services single-family homes, apartments, retail, and restaurants in the local area.

SI
6412 King Hill Ave
Shelter Insurance - Dana Oerman
Final Expense Insurance Agent · St Joseph, MO

Shelter Insurance - Dana Oerman assists homeowners and individuals in St Joseph, MO, who need to plan final expense coverage. It helps families prepare for end-of-life costs with straightforward insurance policies designed for this specific purpose. The agency guides clients through the process of selecting appropriate burial or funeral expense coverage based on their needs. This service area also extends to nearby parts of Buchanan County and the greater St Joseph metro region, including communities like Savannah.

AC
6402 King Hill Ave
Adlee Conaway Insurance Agency LLC American Family Insurance
Final Expense Insurance Agent · St Joseph, MO

Serving St. Joseph, Missouri, and the surrounding communities, Adlee Conaway Insurance Agency LLC American Family Insurance handles final expense insurance needs for local families. The agency helps clients arrange coverage to manage end-of-life costs and provide financial protection for loved ones. Policies typically address expenses such as funeral arrangements and medical bills. To handle a typical job, it starts by reviewing each client’s unique situation and objectives, then carefully explains available policy options to match their specific coverage requirements.

SI
3011 S Belt Hwy
Shelter Insurance
Final Expense Insurance Agent · St Joseph, MO

Shelter Insurance, based in St. Joseph, Missouri, helps clients distinguish between a single-premium final expense policy, paid in one lump sum, and a recurring premium plan that allows smaller monthly or annual payments. These policies cover end-of-life costs such as funeral services and outstanding medical bills. The agent guides families through this selection to ensure manageable expenses at a difficult time. Client support for policy changes and ongoing coverage management occurs strictly on an as-needed basis.

SC
805 S Belt Hwy
Sunshine Cover Insurance Co
Final Expense Insurance Agent · St Joseph, MO

Sunshine Cover Insurance Co in St Joseph, MO assists with prearranging final expense insurance to cover burial costs and outstanding debts. The agency guides clients through selecting appropriate policy amounts that ease financial burdens on surviving family members. It conducts personalized consultations to understand each individual’s needs and budget. This work is particularly valuable during estate planning or when an older relative’s health begins to decline, helping residents secure coverage before rising premiums or declining health make it difficult.

JJ
2320 N Belt Hwy
John Joe Insurance Agency, Inc.
Final Expense Insurance Agent · St Joseph, MO

As winter arrives in St. Joseph, many local families begin reviewing their financial plans to ease the burden on loved ones. John Joe Insurance Agency, Inc. offers final expense insurance tailored to cover end-of-life costs like funerals and outstanding medical bills. These policies provide a straightforward way to manage unexpected expenses. After a brief conversation explaining a client’s needs and budget, the agency schedules a simple, no-obligation in-home or phone review of existing coverage and personal goals.

MT
3026 Frederick Ave
Matt Thrasher Agency Inc American Family Insurance
Final Expense Insurance Agent · St Joseph, MO

Matt Thrasher Agency Inc American Family Insurance provides financial planning services tailored to individuals and families. The company specializes as a final expense insurance agent, helping clients arrange coverage for end-of-life costs and related obligations in St Joseph, MO. Policies are designed to relieve loved ones of administrative and financial burdens during difficult times. The agency can assist small business owners, including those operating out of commercial sectors such as offices, warehouses, and food service establishments.

SI
303 S Belt Hwy
Shelter Insurance - Matthew Judah
Final Expense Insurance Agent · St Joseph, MO

Shelter Insurance - Matthew Judah serves residents of St Joseph, Missouri, by developing final expense insurance solutions tailored to individual needs. This agent also offers commercial coverage for local businesses throughout the surrounding area. Each policy focuses on covering end-of-life costs while providing financial peace of mind for families. Clients receive guidance through the selection process and can expect thoughtful follow-up between regular visits to review any changes in coverage requirements.

SD
1109 N 26th St
Stephen D Lorenz Agency LLC American Family Insurance
Final Expense Insurance Agent · St Joseph, MO
CI
401 N 13th St
Consolidated Insurance Agents, LLC.
Final Expense Insurance Agent · St Joseph, MO
(816) 279-0894
consolidated-insurance.com
TT
1802 Union St
Tilton Thomas & Morgan Inc.
Final Expense Insurance Agent · St Joseph, MO
(816) 233-0266
ttminsurance.com
DB
C, 3715 Beck Rd Ste. B 201
Devoy-Baker Insurance
Final Expense Insurance Agent · St Joseph, MO
(816) 364-4381
devoybaker.com
SJ
3715 Beck Rd b201
Saint Joseph Insurance
Final Expense Insurance Agent · St Joseph, MO
(816) 364-4381
sjiagency.com
RP
1213 N Belt Hwy A
Robert Price, Bankers Life Agent
Final Expense Insurance Agent · St Joseph, MO
(816) 233-3590
agents.bankerslife.com/mo/saint-joseph/1213-n-belt-highway/robert-price
BL
1213 N Belt Hwy A
Bankers Life
Final Expense Insurance Agent · St Joseph, MO
(816) 233-3590
branches.bankerslife.com/mo/saint-joseph/1213-n-belt-highway
HF
1213 N Belt Hwy A
Hanna Fries, Bankers Life Agent
Final Expense Insurance Agent · St Joseph, MO
(816) 233-3590
agents.bankerslife.com/mo/saint-joseph/1213-n-belt-highway/hanna-fries
AG
4221 Mitchell Ave Suite 2C-3
The Accel Group - St. Joseph
Final Expense Insurance Agent · St Joseph, MO
(816) 509-0848
acceladvantage.com
FI
1602 S Riverside Rd Suite B
Farmers Insurance - Brett Holden Agency
Final Expense Insurance Agent · St Joseph, MO
(816) 259-5555
agents.farmers.com/mo/saint-joseph/brett-holden
BF
1213 N Belt Hwy A
Benjamin Frew, Bankers Life Agent
Final Expense Insurance Agent · St Joseph, MO
(816) 396-0086
agents.bankerslife.com/mo/saint-joseph/1213-n-belt-highway/benjamin-frew

What Does a a Final Expense Insurance Agent in St Joseph Cost?

Final expense insurance premiums in Missouri generally range from 30 to 150 dollars per month for policies between 5,000 and 25,000 dollars. Rates depend on your age, gender, and health history. Some carriers offer guaranteed issue policies with no medical exam but higher premiums. This is general information and not insurance advice.

About final expense insurance agents in St Joseph

Final expense insurance agents in St Joseph Missouri help residents secure coverage for funeral and burial costs. Missouri law requires funeral homes to provide a general price list upon request, so having a final expense policy can ease financial burdens. Local agents guide clients through policy options that comply with Missouri insurance regulations.

Frequently Asked Questions

What does a final expense insurance agent in St Joseph do?

A final expense insurance agent in St Joseph helps you compare burial insurance policies from different carriers. They explain coverage amounts, premiums, and underwriting rules. The agent does not sell legal advice but can help you choose a policy that fits your budget.

Are there Missouri laws that affect final expense insurance?

Yes, Missouri requires all life insurance policies to include a free look period of at least 10 days. This means you can cancel a new policy within 10 days for a full refund. Also, Missouri does not have a state inheritance tax, which can simplify estate planning for small policies.

How much does final expense insurance cost in St Joseph Missouri?

Costs vary by age, health, and coverage amount. Typical monthly premiums range from 30 to 100 dollars for a 5,000 to 25,000 dollar policy. Smokers and those with health conditions may pay higher rates. Always compare quotes from multiple agents.

Final Expense Insurance Agents in Other Missouri Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each final expense insurance agent's credentials and current standing with your state Department of Insurance.