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Find Final Expense Insurance Agents in Waterloo, IA
Compare final expense insurance agents in Waterloo. Review contact information and insurance categorys before you decide.
19 agents listed
Updated May 2026
Waterloo, IA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Iowa before hiring.
Showing 19 final expense insurance agents in Waterloo, IA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
VGM Insurance Services
1111 Van Miller Wy, Waterloo, IA 50701
(800) 362-3363
vgminsurance.com
PDCM Insurance
3022 Airport Blvd, Waterloo, IA 50703
(319) 234-8888
pdcm.com
The Sinnott Agency
622 W 4th St, Waterloo, IA 50702
(319) 233-6103
sinnottagency.com
Gallagher Insurance, Risk Management & Consulting
2945 Airport Blvd, Waterloo, IA 50703
(319) 433-1098
assuredpartners.com
Tjernagel Insurance
2920 Falls Ave, Waterloo, IA 50701
(319) 235-6719
tjernagelins.com
Elliott Hartman Agency
611 Ansborough Ave, Waterloo, IA 50701
(319) 233-8459
elliotthartman.com
Shelter Insurance - Jeff Gudenkauf
3680 University Ave Ste B, Waterloo, IA 50701
(319) 235-8090
shelterinsurance.com
Fish-Johnson Insurance Agency
3265 W 4th St, Waterloo, IA 50701
(319) 233-3335
fishjohnsonins.com
Bankers Life
1850 W Ridgeway Ave Ste 3, Waterloo, IA 50701
(319) 277-5173
branches.bankerslife.com
Veridian Insurance
1827 Ansborough Ave, Waterloo, IA 50701
(800) 235-3228
veridiancu.org
Kvale Insurance
1425 W 5th St Ste 2, Waterloo, IA 50702
(319) 833-9428
kvaleinsurance.com
BankIowa Insurance
3222 Kimball Ave ste b, Waterloo, IA 50702
(319) 232-4571
bankiowainsurance.com
Gene Pint & Associates
2913 Falls Ave, Waterloo, IA 50701
(319) 234-8936
americannational.com
Northwestern Mutual - Waterloo
3839 Ansborough Ave, Waterloo, IA 50701
(319) 233-8441
waterloo.nm.com
FSB Premier Wealth Management
131 Tower Park Dr Suite 115, Waterloo, IA 50701
(319) 235-6561
fsbfs.com
New York Life Insurance Company
3116 Brockway Rd, Waterloo, IA 50701
(319) 287-5915
newyorklife.com
Carmella Coleman, Bankers Life Agent
1850 W Ridgeway Ave Ste 3, Waterloo, IA 50701
(319) 327-0397
agents.bankerslife.com
Allen Health Systems
208 W Dale St, Waterloo, IA 50703
(319) 226-2386
New York Life
1416 W 4th St, Waterloo, IA 50702
(319) 233-2204
newyorklife.com
Final expense insurance agents in Waterloo, Iowa help residents secure small whole life policies to cover funeral costs and end-of-life expenses. Iowa law requires funeral homes to provide a general price list, and these policies can help ensure your wishes are honored without burdening your family. Local agents understand the specific needs of Black Hawk County residents and can guide you through the application process.
What Does a Final Expense Insurance Agent in Waterloo Cost?
In Iowa, final expense insurance premiums vary based on age, health, and coverage amount. A healthy 65-year-old might pay between $30 and $70 per month for a $10,000 policy. Older applicants or those with health conditions may pay higher rates. Guaranteed issue policies often cost more for less coverage. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What is final expense insurance and how does it work in Iowa?
Final expense insurance is a small whole life policy typically between $5,000 and $25,000. In Iowa, the policy pays a lump sum death benefit directly to your beneficiary, who can use it for funeral costs, medical bills, or other final expenses. There is no waiting period for many policies, but some may have a graded benefit period for certain health conditions.
Do I need a medical exam to get final expense insurance in Waterloo?
Most final expense policies in Iowa do not require a medical exam. Instead, insurers ask a few health questions on the application. Some policies offer guaranteed acceptance for applicants with serious health issues, though these may have a two-year waiting period before full benefits are paid.
Can I use my final expense policy at any funeral home in Waterloo?
Yes, final expense insurance pays the death benefit to your beneficiary, not to a specific funeral home. Your beneficiary can then choose any funeral home in Waterloo or elsewhere. It is wise to discuss your wishes with your family and compare funeral home prices in advance.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Iowa.