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HomeFinal Expense Insurance AgentsMissouri › Lake St Louis

Find Final Expense Insurance Agents Near You in Lake St Louis, MO

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

The top-rated final expense insurance agent in Lake St Louis, Missouri is Spectrum Insurance Solutions, rated 5.0 stars across 127 reviews. Other highly rated options include Mike McMullen - COUNTRY Financial Agent, Lee Lester - State Farm Insurance Agent, Andrew Hill's Insurance Services. This directory lists 14 final expense insurance agents serving Lake St Louis.

Showing 14 final expense insurance agents in Lake St Louis, MOListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Spectrum Insurance Solutions1194 Lake St Louis Blvd Suite 211(855) 747-2013
2Mike McMullen - COUNTRY Financial Agent206 Centre On The Lk(636) 922-7789
3Lee Lester - State Farm Insurance Agent8641 State Rte N(636) 561-4699
4Andrew Hill's Insurance Services128 Sunglow Dr(314) 518-7471
5Oscar Marroquin: Allstate Insurance181 Civic Center Dr(636) 625-3039
6Dan Day - State Farm Insurance Agent740 Lakeside Plaza(636) 978-8858
7Jennifer Hutcheson & Associates LLC American Family Insurance1000 Lake St Louis Blvd Ste. 206(636) 947-4080
8Shelter Insurance - Hunter Feldewerth930 Bent Oak Ct Ste 109(636) 240-2100
9Spectrum Retirement Solutions3401 Technology Dr Ste. 160(636) 625-3433
10Farmers Insurance - Jeremiah Essmyer950 Bent Oak Ct(636) 283-2072
SI
1194 Lake St Louis Blvd Suite 211
Spectrum Insurance Solutions
Final Expense Insurance Agent · Lake St Louis, MO

Spectrum Insurance Solutions serves the Lake St Louis and greater St Charles County area as a final expense insurance agent. This firm helps families plan for end-of-life costs by specializing in burial and funeral policies. Coverage options are designed to ease the financial burden on loved ones, ensuring that policy proceeds are available quickly for immediate expenses. Clients often work with the agency to select affordable whole life policies that protect their estates. Spectrum Insurance Solutions handles final expense life insurance and straightforward funeral planning policies for local seniors.

MM
206 Centre On The Lk
Mike McMullen - COUNTRY Financial Agent
Final Expense Insurance Agent · Lake St Louis, MO

Mike McMullen - COUNTRY Financial Agent in Lake St Louis, MO provides final expense insurance services, helping clients arrange coverage for end-of-life costs such as funeral and burial expenses. The agency assists individuals in selecting and maintaining policies that meet their personal needs. It regularly reviews existing plans to ensure they remain appropriate over time. Mike McMullen serves single-family homes and apartments in and around the Lake St Louis area, including local retail and restaurant properties.

LL
8641 State Rte N
Lee Lester - State Farm Insurance Agent
Final Expense Insurance Agent · Lake St Louis, MO

Lee Lester - State Farm Insurance Agent in Lake St Louis, MO focuses on clients who require final expense insurance to manage end-of-life costs, including retirees and families seeking straightforward burial policies. The agency provides guidance on affordable life insurance plans designed to cover funeral expenses and outstanding debts without requiring a medical exam. Policyholders can expect professional support for selecting appropriate coverage amounts. Alongside its Lake St Louis office, Lester serves residents throughout the nearby St. Charles area and surrounding St. Charles County communities.

AH
128 Sunglow Dr
Andrew Hill's Insurance Services
Final Expense Insurance Agent · Lake St Louis, MO

Andrew Hill's Insurance Services serves families in Lake St Louis, Missouri, and the surrounding communities, specializing in final expense insurance policies that help cover end-of-life costs such as funeral arrangements and outstanding medical bills. The agency guides clients through the selection of coverage limits that align with their financial situations and burial preferences, offering a reliable solution for reducing the burden on loved ones. It completes each job by thoroughly reviewing available plans with clarity and compassion, ensuring customers understand their options before making a choice.

OM
181 Civic Center Dr
Oscar Marroquin: Allstate Insurance
Final Expense Insurance Agent · Lake St Louis, MO

Oscar Marroquin: Allstate Insurance in Lake St Louis, MO helps families plan for the one-time cost of final expenses, unlike recurring service bills such as utilities or mortgages. Coverage typically pays a lump sum to a beneficiary for funeral and burial costs, ensuring these obligations do not fall on surviving relatives. Support focuses on tailoring a policy to individual needs and assisting with the claims process after a loss. Service runs on a one-time basis when a policy is purchased, with follow-up available as needed for questions or changes.

DD
740 Lakeside Plaza
Dan Day - State Farm Insurance Agent
Final Expense Insurance Agent · Lake St Louis, MO

Dan Day offers final expense insurance planning in Lake St Louis, MO, helping families cover end‑of‑life costs through manageable policies. It assists clients with policy selection to ensure burial and medical debts do not burden loved ones. The agency serves local residents by coordinating coverage that aligns with personal budgets and funeral preferences. It provides guidance during the application process and helps review existing policies for possible savings. Before the winter holiday season, the office reminds families to update beneficiary designations in case plans have changed.

JH
1000 Lake St Louis Blvd Ste. 206
Jennifer Hutcheson & Associates LLC American Family Insurance
Final Expense Insurance Agent · Lake St Louis, MO

As retirement and health changes arrive, many families in the Lake St Louis area begin planning for end-of-life expenses to ease future burdens. Jennifer Hutcheson & Associates LLC American Family Insurance helps local residents finalize affordable final expense insurance coverage tailored to their individual needs. Their agents work closely with clients to explain benefit structures and available policy amounts for basic funeral and burial costs. A typical initial assessment involves reviewing the applicant’s health history and identifying a suitable benefit level, followed by a short inspection step to confirm eligibility.

SI
930 Bent Oak Ct Ste 109
Shelter Insurance - Hunter Feldewerth
Final Expense Insurance Agent · Lake St Louis, MO

Shelter Insurance - Hunter Feldewerth focuses on providing life insurance coverage, with a specialty in final expense insurance to help families manage end-of-life costs in Lake St Louis, MO. The agency assists clients in selecting policies that cover funeral and burial expenses without stressing household budgets. Claim processes are designed to be straightforward for beneficiaries. For commercial clients, this agency can serve offices, warehouses, and food service operations with appropriate business life insurance solutions.

SR
3401 Technology Dr Ste. 160
Spectrum Retirement Solutions
Final Expense Insurance Agent · Lake St Louis, MO

Spectrum Retirement Solutions serves residential clients in Lake St Louis, MO with final expense insurance coverage. The company also provides commercial policy options for small businesses in the surrounding area. These straightforward insurance plans help families manage end-of-life costs with reliable protection. The agent guides each client through a simple application process, focusing on affordable coverage that meets personal needs. Between regular visits, the office follows up with policyholders to review any changes in their situation or coverage requirements.

FI
950 Bent Oak Ct
Farmers Insurance - Jeremiah Essmyer
Final Expense Insurance Agent · Lake St Louis, MO

Farmers Insurance - Jeremiah Essmyer is known for serving families in Lake St Louis, MO, with final expense insurance policies that help cover end-of-life costs and ease the financial burden on loved ones. Its service range includes needs assessments and policy explanations to ensure clients understand their coverage options without overspending. The company can also add on a burial or funeral planning service to coordinate directly with local providers.

FI
1000 Lake St Louis Blvd #22
Farmers Insurance - Rick Smith
Final Expense Insurance Agent · Lake St Louis, MO
(636) 561-4577
agents.farmers.com/mo/lake-saint-louis/rick-smith
IA
1000 Lake St Louis Blvd
The Insurance Angels
Final Expense Insurance Agent · Lake St Louis, MO
(636) 243-1200
BC
1000 Lake St Louis Blvd Ste. 206
Bill Crets Insurance Agency
Final Expense Insurance Agent · Lake St Louis, MO
(636) 561-3700
stlouischurchinsurance.com
SI
10890 Veterans Memorial Pkwy
Steinlage Insurance Agency Administration
Final Expense Insurance Agent · Lake St Louis, MO
(636) 561-5060
steinlageagency.com

What Does a a Final Expense Insurance Agent in Lake St Louis Cost?

Typical final expense insurance costs in Missouri range from 30 to 100 dollars per month for a 5000 to 25000 dollar policy. Premiums depend on age health and the coverage amount chosen. Missouri law does not regulate the price of these policies so rates vary by insurance company. This is general information not insurance advice.

About final expense insurance agents in Lake St Louis

Final expense insurance agents in Lake St Louis Missouri help residents secure coverage for funeral costs and end of life expenses. Missouri law requires agents to be licensed by the Missouri Department of Insurance and to follow specific disclosure rules for burial policies. Local agents understand the needs of families in St Charles County and can explain how Missouri probate laws affect policy payouts.

Frequently Asked Questions

What is final expense insurance and how does it work in Missouri?

Final expense insurance is a small whole life policy designed to cover funeral costs and medical bills. In Missouri the policy pays a death benefit directly to the beneficiary who can use the funds for any end of life expense. Agents in Lake St Louis can help you choose a policy that fits your budget.

Do I need a license to sell final expense insurance in Missouri?

Yes anyone selling final expense insurance in Missouri must hold a valid life insurance producer license from the Missouri Department of Insurance. The license requires completing pre licensing education and passing a state exam. Agents must also renew their license every two years.

Are final expense insurance benefits taxable in Missouri?

No death benefits from final expense insurance are generally not subject to Missouri state income tax. The Internal Revenue Service also does not tax life insurance proceeds paid to a beneficiary. However interest earned on the benefit may be taxable.

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.