The top-rated life insurance agent in Ames, Iowa is Fortress Insurance Services, rated 5.0 stars across 636 reviews. Other highly rated options include Mark Doyle - State Farm Insurance Agent, Scott Richardson - State Farm Insurance Agent, Louis Slaughter III - State Farm Insurance Agent. This directory lists 20 life insurance agents serving Ames.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fortress Insurance Services | 426 S 17th St | (515) 337-8700 |
| 2 | Mark Doyle - State Farm Insurance Agent | 2701 Stange Rd Ste 110 | (515) 232-8090 |
| 3 | Scott Richardson - State Farm Insurance Agent | 101 Main St | (515) 232-0030 |
| 4 | Louis Slaughter III - State Farm Insurance Agent | 3515 Lincoln Way #102 | (515) 292-9030 |
| 5 | AlekCO Insurance | 119 Stanton Ave STE 702 | (515) 978-9040 |
| 6 | Severson Insurance Agency, Inc | 3206 Grand Ave #102 | (515) 232-7203 |
| 7 | Shelter Insurance - Mike Dolan | 1228 Grand Ave | (515) 232-3555 |
| 8 | Gallagher Insurance, Risk Management & Consulting | 1416 Buckeye Ave | (515) 232-7060 |
| 9 | Joe Leto - COUNTRY Financial Representative | 315 6th St #205 | (515) 233-3045 |
| 10 | Katherine Frame American Family Insurance | 809 Wheeler St #109 | (515) 232-4142 |
Fortress Insurance Services serves the Ames, Iowa area as a life insurance agent. This company helps residents and families plan for financial security by evaluating their long-term coverage needs. It guides clients through the process of selecting appropriate policy types to protect loved ones and assets. The firm also offers personalized consultations to explain policy terms and coverage options in this region. Specific services handled include term life insurance and whole life insurance for local clients.
Mark Doyle - State Farm Insurance Agent in Ames, IA, provides a full range of life insurance products designed to help individuals and families secure their financial future. It also offers guidance on updating coverage to reflect major life changes such as marriage, parenthood, or retirement planning. The agency assists clients with policy reviews to ensure existing plans still meet current needs and goals. Its services extend to protecting properties including single-family homes, apartments, retail spaces, and restaurants.
Scott Richardson - State Farm Insurance Agent in Nevada, IA, assists local residents with financial protection through life insurance policies. The agency also offers specialized coverage options designed to meet individual and family needs. General products include term life, whole life, and universal life plans that can help secure beneficiaries against unexpected loss. Businesses such as small offices, storage warehouses, and food service establishments can rely on this agency to help implement appropriate insurance solutions for their unique exposures.
Louis Slaughter III - State Farm Insurance Agent serves homeowners, renters, and motorists in Ames, Iowa, providing life insurance coverage that helps protect families from financial uncertainty. This agency also offers auto and property policies tailored to individual needs. In addition to assisting local residents, the agent supports small business owners seeking personal and financial security solutions. Coverage options extend to clients living in the neighboring communities of Gilbert and Nevada within Story County.
Serving Ames, Iowa, and the surrounding Story County communities, AlekCO Insurance assists clients with life insurance policies tailored to their needs. The agency helps individuals and families select coverage that provides financial protection for beneficiaries. Understanding the importance of long-term security, the company guides customers through term, whole, and other permanent life insurance options. Each consultation begins with a thorough review of the client's personal goals and current situation, followed by a comparison of available plans from multiple carriers to find a suitable fit.
Severson Insurance Agency, Inc. in Ames, IA offers life insurance as a single-purchase policy or as a renewable term requiring ongoing payments, providing financial protection for families. Coverage options include term life for temporary needs and permanent life for lifelong benefits. The agency helps clients assess their income replacement and debt coverage requirements. Service appointments can be arranged on a one-time basis for a single policy, or as scheduled for periodic policy reviews to adjust coverage as life circumstances change.
Shelter Insurance - Mike Dolan in Ames, IA, provides tailored life insurance policies, including term and whole life coverage, designed to protect families from financial hardship. Their general service work focuses on helping clients understand their diverse coverage options to ensure suitable protection for every stage of life. For those in Ames, they also offer guidance on adjusting beneficiaries after a major life change like marriage or the birth of a child.
Gallagher Insurance, Risk Management & Consulting serves residential life insurance needs in Ames, Iowa, carefully matching clients with suitable coverage plans. The firm also provides commercial life insurance options for local businesses and farms throughout the Ames area. Its agents regularly meet with clients to review policies as family or business circumstances change. Long-term relationships are common, with many families returning for updated coverage during major life milestones. The company ensures a follow-up appointment is always scheduled after each policy issuance.
As families in Ames prepare for the fall season, many begin reviewing their financial protections for the year ahead. Katherine Frame American Family Insurance helps local residents evaluate their life insurance needs by offering guidance on term and permanent policy options. The agent provides clear information about coverage amounts that can support loved ones after an unexpected loss. A straightforward initial consultation is scheduled to review current circumstances and discuss personal goals for financial security. This meeting includes an inspection of existing policies to identify gaps in the client’s plan.
What Does a a Life Insurance Agent in Ames Cost?
Life insurance costs in Iowa vary by age, health, coverage amount, and policy type. A healthy 35-year-old in Ames might pay 20 to 40 dollars per month for a 20-year term policy with 250,000 dollars in coverage. Whole life policies often cost 100 to 300 dollars per month for similar coverage. Rates also depend on factors like smoking status and family medical history. This is general information, not insurance advice.
About life insurance agents in Ames
Life insurance agents in Ames, Iowa help residents and businesses find coverage that meets their financial goals. Iowa law requires agents to hold a valid state license and follow regulations set by the Iowa Insurance Division. Local agents understand the needs of Story County families and can explain term, whole life, and universal life policies.
Frequently Asked Questions
What license does a life insurance agent need in Iowa?
An agent must hold a valid Iowa insurance producer license. This requires passing a state exam and completing continuing education every two years. The Iowa Insurance Division oversees all licensing and compliance.
How long do I have to file a life insurance claim in Iowa?
Iowa does not set a strict deadline for filing a claim, but most policies require prompt notification. Insurers typically pay claims within 30 to 60 days after receiving proper documentation. Delays can occur if additional investigation is needed.
Can an agent help me compare term and whole life policies in Ames?
Yes, a local agent can explain the differences between term life, which covers you for a set period, and whole life, which builds cash value. They can provide quotes from multiple carriers and help you choose based on your budget and long-term needs.
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