The top-rated life insurance agent in Derby, Kansas is Jean Garinger American Family Insurance, rated 4.6 stars across 65 reviews. Other highly rated options include Mark May: Allstate Insurance, Rael Hodgson - State Farm Insurance Agent, Farmers Insurance - Julie Olmsted. This directory lists 17 life insurance agents serving Derby.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Jean Garinger American Family Insurance | 601 N Baltimore Ave | (316) 788-6777 |
| 2 | Mark May: Allstate Insurance | 402 N Baltimore Ave | (316) 867-0108 |
| 3 | Rael Hodgson - State Farm Insurance Agent | 1710 E Madison Ave Ste 100 | (316) 788-7788 |
| 4 | Farmers Insurance - Julie Olmsted | 1121 N College Pk St Ste 300 | (316) 788-7707 |
| 5 | Wheat State Insurance Group Wichita area | 228 N Baltimore Ave | (316) 776-0777 |
| 6 | Shelter Insurance - Lindsay Dearduff | 613 N Rock Rd | (316) 788-9191 |
| 7 | Farm Bureau Financial Services: Michelle Basgall | 1121 N College Pk St Ste 800 | (316) 788-5257 |
| 8 | Spachek Agency LLC American Family Insurance | 622 N Mulberry Rd | (316) 788-1526 |
| 9 | Shelter Insurance - Tim Hicks | 124 S Baltimore Ave #B | (316) 788-4271 |
| 10 | Farmers Insurance - Ronald Wells. | 220 N Baltimore Ave | (316) 788-9229 |
Jean Garinger American Family Insurance serves the Derby, Kansas area and the surrounding Sedgwick County region as a life insurance agent. This local agency helps individuals and families explore various coverage options designed to provide financial protection for their loved ones. The work of a life insurance agent involves guiding clients through policy types such as term and whole life, and assisting with needs assessment. Jean Garinger American Family Insurance specifically handles applications for final expense coverage and policies that can help replace lost income for beneficiaries.
Mark May: Allstate Insurance provides a range of life insurance policies designed to offer financial protection for individuals and families in the Derby, KS, area. The agency assists clients in selecting coverage that aligns with their long-term goals and offers ongoing support for policy maintenance and adjustments as needs change. It helps with new policy applications, addressing policy questions, and making changes to existing plans. The services cover planning for a variety of property types, including single-family homes, apartments, retail, and restaurants.
Serving homeowners, renters, and small business owners in the Derby, KS area, Rael Hodgson - State Farm Insurance Agent offers life insurance policies designed to provide financial protection for families and businesses. These plans can help cover mortgage payments, education costs, or lost income in the event of an unexpected death. The agency also assists clients in comparing term and whole life options to suit their budget and long-term goals. In addition to Derby, it provides coverage to residents and property owners in nearby Haysville, Kansas.
Located in Derby, Kansas, Farmers Insurance - Julie Olmsted specializes in life insurance policies tailored to individual financial planning and family protection. The agency also provides guidance on retirement security and estate coverage for local residents. In its general service work, it assists clients with reviewing policy options and adjusting beneficiaries as circumstances change. When unexpected medical expenses or end-of-life costs arise, the company helps families navigate those urgent financial considerations.
Serving Derby and the surrounding Wichita area, Wheat State Insurance Group handles life insurance agent services for local residents. The company assists individuals and families in evaluating various life insurance options to secure financial protection. It focuses on understanding each client’s current situation and long-term goals. For a typical job, the agent reviews coverage needs, explains available policy choices, and presents a tailored plan designed to align with the client’s priorities and budget.
Shelter Insurance - Lindsay Dearduff in Derby, KS, helps clients choose between a one-time term life policy for temporary coverage needs and a whole life service that builds cash value over time for permanent protection. Both options provide beneficiaries with a tax-free death benefit designed to replace lost income or cover final expenses. Service appointments for reviewing or updating policies are offered on an as-needed basis, allowing clients to schedule meetings when their personal circumstances or coverage requirements change.
Farm Bureau Financial Services: Michelle Basgall provides life insurance coverage to individuals and families in the Derby, Kansas area. As a life insurance agent, the company assists clients in securing financial protection for their beneficiaries through policy planning. Beyond personal coverage, the agency also addresses related specialty needs such as living benefits options. This Derby-based practice serves a range of commercial sectors, including local offices, warehouses, and food service establishments that require business owner life insurance solutions.
As families in Derby consider their long-term financial security during seasonal transitions, Spachek Agency LLC American Family Insurance provides personalized life insurance guidance. Helping clients assess coverage needs for income protection and final expenses, the agency focuses on matching policies to local lifestyles and budgets. Each potential client receives a thorough review of personal circumstances, leading to an initial assessment of current coverage gaps and future financial goals. This process begins with a no-obligation inspection of existing policies and personal priorities to determine the best plan fit.
Shelter Insurance - Tim Hicks in Derby, KS, is known for providing life insurance agent services to local residents and businesses. The agency helps clients evaluate their financial protection needs and select appropriate coverage plans for their families. Life insurance agents in this area work to ensure policyholders have security against unexpected events. A specialty service this agency can offer includes adding final expense coverage to a client's existing life insurance policy for additional peace of mind.
What Does a a Life Insurance Agent in Derby Cost?
A term life insurance policy for a healthy 35 year old in Kansas may cost between $20 and $50 per month for a 20 year term with $250,000 in coverage. Whole life policies typically cost more, often $100 to $300 per month for similar coverage. Costs depend on age, health, policy type, and coverage amount. This is general information, not insurance advice.
About life insurance agents in Derby
Life insurance agents in Derby, Kansas help residents choose policies that protect their families and meet state insurance regulations. Kansas law requires agents to be licensed by the Kansas Insurance Department. Local agents can explain how Kansas community property laws may affect policy ownership and beneficiary designations.
Frequently Asked Questions
What license does a life insurance agent in Derby need?
Agents in Kansas must hold a valid life insurance producer license from the Kansas Insurance Department. They must complete pre-licensing education and pass a state exam. You can verify an agents license on the Kansas Insurance Department website.
How do Kansas laws affect life insurance payouts?
Kansas has a two-year contestability period during which insurers can investigate misstatements on an application. Kansas also has a 30-day free look period for new policies. Beneficiary designations generally override will provisions under Kansas law.
What types of life insurance are common in Derby Kansas?
Term life insurance is popular for temporary coverage needs. Whole life and universal life policies offer permanent coverage with cash value accumulation. Many Derby residents also consider final expense insurance for burial costs.
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