The top-rated life insurance agent in St. Louis, Missouri is Wesley Ranew - State Farm Insurance Agent, rated 5.0 stars across 1,418 reviews. Other highly rated options include Melissa Carlton - State Farm Insurance Agent, Bradford O'Neil - State Farm Insurance Agent, MBhealth Insurance Agency. This directory lists 84 life insurance agents serving St. Louis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Wesley Ranew - State Farm Insurance Agent | 13434 Clayton Rd | (636) 227-2000 |
| 2 | Melissa Carlton - State Farm Insurance Agent | 8330 Watson Rd #101 | (314) 842-2422 |
| 3 | Bradford O'Neil - State Farm Insurance Agent | 7227 Southwest Ave | (314) 300-9100 |
| 4 | MBhealth Insurance Agency | 9700 MacKenzie Rd STE 101 | (314) 544-5400 |
| 5 | POWERS Insurance and Risk Management | 6825 Clayton Ave #200 | (314) 725-1414 |
| 6 | Matt Stark: Allstate Insurance | 8229 Clayton Rd Ste 200b | (314) 862-5990 |
| 7 | Collin Wood - State Farm Insurance Agent | 8780 Big Bend Blvd suite f | (314) 355-7700 |
| 8 | R T Thomas Insurance, LLC | 8131 Delmar Blvd | (314) 725-5535 |
| 9 | Young Agency & Associates LLC American Family Insurance | 2130 Schuetz Rd | (314) 432-1991 |
| 10 | Kreismann Bayer Insurance Agency | 652 N New Ballas Rd | (314) 567-3344 |
Wesley Ranew - State Farm Insurance Agent serves the St. Louis, Missouri metro area, specializing in life insurance policies designed to provide financial protection for families. This local agency assists clients in understanding coverage options that help secure their loved ones’ future. The team offers personalized consultations to evaluate individual needs and budgets. Their work includes servicing term life insurance and whole life insurance policies in the St. Louis community.
Melissa Carlton - State Farm Insurance Agent in St. Louis, MO, provides life insurance policies designed to help protect families and individuals from financial hardship. The agency offers personalized policy reviews and support for claims and policy changes. Annual plan check-ins are available to adjust coverage as clients’ circumstances evolve. Its services extend to local single-family homes, apartments, retail, and restaurants.
In St. Louis, Missouri, Bradford O'Neil of State Farm Insurance Agent provides life insurance as either a finite term product for specific coverage periods or as a permanent policy that lasts the insured's entire lifetime. All policies offer a death benefit that is paid to designated beneficiaries upon the policyholder's passing. Service for these accounts, including policy adjustments and claim assistance, is available on an as-needed basis whenever the client requires guidance or support.
MBhealth Insurance Agency specializes in life insurance options that protect families from financial hardship. It offers personalized policy reviews to help St. Louis residents match coverage with their long-term goals. The agency provides guidance on term, whole, and universal life policies for individuals and businesses. As local agents, they understand Missouri’s insurance regulations and market needs. They assist clients with adjusting beneficiary designations or converting policies after major life changes, such as a recent marriage or the birth of a child.
POWERS Insurance and Risk Management provides life insurance coverage to individuals and families in the St. Louis area, focusing on financial protection and long-term planning. The company also offers specialized policy add-ons for enhanced benefits. These policies are tailored to help clients secure their income and cover final expenses. For commercial clients, the agency serves a range of business sectors, including offices, warehouses, and food service operations.
Matt Stark: Allstate Insurance serves homeowners, local business owners, and families in the St. Louis area who need life insurance protection. It offers term and whole life policies, along with financial planning consultations tailored to individual needs. The agency helps clients secure coverage for mortgage protection, income replacement, and final expenses. Its services extend across St. Louis and into nearby communities such as Clayton and University City.
Collin Wood - State Farm Insurance Agent in St. Louis, Missouri, assists clients in choosing between term life policies, which provide coverage for a set period, and permanent life insurance, which remains in force for the entirety of the policyholder’s life. Coverage amounts are tailored to individual financial situations and future needs. This location serves the greater St. Louis area by helping residents secure financial protection for their families. Service appointments for policy reviews and new coverage inquiries are available on an as-needed basis.
R T Thomas Insurance, LLC serves clients in St. Louis, Missouri, and the surrounding communities. The agency handles life insurance policies designed to provide financial protection for families and individuals. These policies help cover final expenses, replace lost income, or support long-term financial goals. Each situation is assessed carefully by explaining available coverage options and policy terms in plain language. The agency then matches a suitable plan to the client's budget and coverage needs.
At Young Agency & Associates LLC American Family Insurance in St. Louis, Missouri, the practice offers specialty services in whole life and term life insurance policies, providing income replacement and debt coverage for families. The firm also handles general insurance needs such as property and auto coverage alongside life planning consultations. For local clients, agents help navigate the financial implications of a recent marriage, birth, or home purchase during major life changes.
What Does a a Life Insurance Agent in St. Louis Cost?
A typical term life policy in Missouri for a healthy 35 year old may cost 20 to 40 dollars per month for 250 thousand dollars of coverage. Whole life policies often range from 100 to 300 dollars per month for the same amount. Costs vary by age health and policy type. This is general information not insurance advice.
About life insurance agents in St. Louis
Life insurance agents in St. Louis help individuals and families choose policies that provide financial protection. Missouri law requires agents to hold a valid state license and follow the Missouri Insurance Code. Local agents understand regional factors such as St. Louis cost of living and can guide you through options like term life whole life and universal life policies.
Frequently Asked Questions
What license does a life insurance agent need in Missouri?
Agents must pass the Missouri insurance licensing exam and complete continuing education every two years. They must also be appointed by an insurer to sell policies in the state.
How long does it take to get a life insurance policy in St. Louis?
Most policies take 2 to 6 weeks from application to approval. Some term policies with no medical exam can be issued in a few days. Missouri allows a 10 day free look period after you receive the policy.
What is the Missouri life insurance grace period?
Missouri law gives a 30 day grace period for premium payments. If you miss a payment the policy stays in force during this time. After 30 days the policy may lapse unless you pay the overdue premium.
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