The top-rated life insurance agent in Gardner, Kansas is Joe Oldham - State Farm Insurance Agent, rated 4.9 stars across 148 reviews. Other highly rated options include MJH Insurance, Farmers Insurance - Robert Kelly Insurance Agency, Inc, T Miller and Associates Inc American Family Insurance. This directory lists 10 life insurance agents serving Gardner.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Joe Oldham - State Farm Insurance Agent | 224 E Main St | (913) 856-6124 |
| 2 | MJH Insurance | 345 N Moonlight Rd | (913) 856-0002 |
| 3 | Farmers Insurance - Robert Kelly Insurance Agency, Inc | 235 E Main St | (913) 856-3816 |
| 4 | T Miller and Associates Inc American Family Insurance | 213 E Main St | (913) 856-6177 |
| 5 | Ample Green Insurance | 526 E Main St | (913) 372-7979 |
| 6 | Shelter Insurance - Sharla Neis | 950 E Lincoln Ln b | (913) 938-5030 |
| 7 | Farm Bureau Financial Services | 112 S Elm St | (913) 856-2197 |
| 8 | ALFT Insurance Agency Inc | 230 E Main St B | (913) 856-8050 |
| 9 | Russell Otte | 112 S Elm St | (913) 268-4222 |
| 10 | Sean Snyder | 112 S Elm St | (913) 856-2197 |
Joe Oldham - State Farm Insurance Agent serves the Gardner, Kansas area and the surrounding Johnson County region. The agency provides life insurance products designed to help local residents protect their families from financial uncertainty. Planning for future obligations like college tuition or mortgage coverage is a common conversation with clients. The office also assists with final expense planning and income replacement policies that offer peace of mind during unexpected events.
MJH Insurance provides life insurance agent services for clients in the Gardner, Kansas area. The company assists with selecting and managing individual life insurance policies, including term and whole life products, and offers ongoing policy reviews to help ensure coverage remains aligned with changing needs. It helps clients understand beneficiary designations and premium payment options. The agency serves local residents and businesses, including single-family homes, apartments, and commercial properties such as retail spaces and restaurants.
Farmers Insurance - Robert Kelly Insurance Agency, Inc in Gardner, KS serves homeowners, car owners, and small business operators seeking personal and commercial coverage. As a life insurance agent, the agency assists clients in planning for financial security by structuring policies that provide beneficiaries with income replacement or final expense support. Policy options are tailored through consultations to match individual coverage needs and budget constraints. The agency also serves clients throughout the nearby Olathe and surrounding Johnson County metro areas.
T Miller and Associates Inc American Family Insurance serves clients in Gardner, Kansas, and the surrounding communities. The agency handles life insurance policies for individuals and families throughout the area. They assist with term life and whole life coverage options to meet different financial protection needs. Each situation receives a careful evaluation of personal goals and budget. The team then works to match those requirements with an appropriate policy from available offerings.
As a life insurance agent in Gardner, KS, Ample Green Insurance distinguishes between offering one-time policy purchase assistance and ongoing coverage management support. The company helps clients secure term, whole, or universal life insurance plans to protect loved ones from financial burden. Policyholders receive guidance on selecting appropriate coverage amounts and evaluating different insurers. Service arrangements are offered on an as-needed basis, allowing customers to schedule consultations only when review or policy adjustments become necessary.
Shelter Insurance - Sharla Neis offers life insurance as its specialty, working with clients in Gardner, Kansas, to select appropriate policies that provide financial protection for families. The agency generally assists with term life and whole life coverage options, helping individuals assess their long-term needs for security. During the changing seasons, such as when families prepare for the new school year or face winter holidays, the agent helps clients review policies to ensure their beneficiaries remain properly covered.
Farm Bureau Financial Services provides life insurance coverage tailored for individuals and families in Gardner, Kansas. Their service begins with an initial consultation to assess client needs, then transitions into either a one-time policy purchase or an ongoing relationship for recurring coverage adjustments. Clients receive personalized guidance on term or permanent options based on long-term financial goals. Support remains available on an as-needed basis for policy reviews, beneficiary changes, or to address new coverage requirements.
As spring approaches in Gardner, many households review their plans for the season, including their financial coverage for loved ones. ALFT Insurance Agency Inc assists local residents by offering individual life insurance policies tailored to this area. Their agents guide clients through available term and whole life options, focusing on meeting family budget needs and long-term security. This process requires sitting down with a client to assess current coverage gaps. A friendly, no-obligation initial consultation is scheduled to review personal paperwork and discuss appropriate policy choices.
As a life insurance agent, Russell Otte works with individuals and families in the Gardner, Kansas area to protect their financial future. The company specializes in providing policies that can cover final expenses, income replacement, and long-term security needs. This includes assessing each client's unique situation and selecting appropriate coverage amounts. Russell Otte can also serve commercial clients, offering business life insurance solutions for small offices, warehouses, and food service establishments in the region.
Sean Snyder offers life insurance services to residential clients in Gardner, Kansas, helping families secure financial protection for the future. Commercial coverage is also available for local small businesses needing business continuation planning. Service extends throughout the surrounding Johnson County area. New clients can discuss term, whole, or universal policy options during an initial consultation. Existing policyholders are regularly reminded to review their coverage during scheduled follow-up appointments, ensuring good alignment with changing household needs between annual visits.
What Does a a Life Insurance Agent in Gardner Cost?
A typical term life policy for a healthy 35 year old in Kansas costs between 20 and 40 dollars per month for 250,000 dollars of coverage. Whole life policies can cost 100 to 300 dollars per month for the same amount. Costs depend on age, health, tobacco use, and policy type. This is general information, not insurance advice.
About life insurance agents in Gardner
Life insurance agents in Gardner, Kansas help residents find coverage that fits their needs and budget. Kansas law requires agents to hold a valid state license and follow the Kansas Insurance Code. 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 need in Kansas?
Agents must hold a Kansas life insurance producer license. This requires passing a state exam and completing continuing education every two years. You can verify an agents license on the Kansas Insurance Department website.
How long do I have to review a life insurance policy in Kansas?
Kansas gives you a free look period of at least 10 days after you receive the policy. During this time you can cancel for a full refund. This rule applies to most individual life insurance policies sold in Kansas.
Do I need a medical exam for life insurance in Gardner?
Many policies require a medical exam but some do not. No-exam policies often have lower coverage limits and higher premiums. An agent can help you decide which option fits your health situation.
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