The top-rated life insurance agent in Cape Girardeau, Missouri is Discount Insurance Group, rated 4.8 stars across 258 reviews. Other highly rated options include Goosehead Insurance - Nick Laiben, TIG Thomas Insurance Group, Coalter Insurance Group. This directory lists 20 life insurance agents serving Cape Girardeau.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Discount Insurance Group | 1009 N Kingshighway St | (573) 339-1100 |
| 2 | Goosehead Insurance - Nick Laiben | 338 Broadway St Ste 311 | (573) 334-9999 |
| 3 | TIG Thomas Insurance Group | 56 Doctors Park Dr | (573) 651-3652 |
| 4 | Coalter Insurance Group | 1001 Independence St | (573) 339-1222 |
| 5 | Farmers Insurance - Tom Smith | 1928 Golden Eagle Ct #3 | (573) 651-6515 |
| 6 | Shelter Insurance - Sarah Reilly | 339 Broadway St Suite 148 | (573) 803-3999 |
| 7 | Hoesli Insurance Agency | 338 Broadway St Suite 505 | (573) 290-7777 |
| 8 | Farmers Insurance - Douglas Spooler, ChFC® RICP® FSCP® | 75 Sheridan Dr | (573) 335-4343 |
| 9 | Laurel Adkisson Agency LLC American Family Insurance | 760 S Kingshighway D | (573) 334-1095 |
| 10 | Farmers Insurance - Clarence Matthews | 1750 N Kingshighway St Suite B | (573) 334-8888 |
Discount Insurance Group serves the Cape Girardeau, MO area as a local life insurance agent. The company helps individuals and families secure financial protection through various coverage options designed to meet long-term needs. They guide clients through selecting appropriate policy types to safeguard dependents and final expenses. The firm also assists with planning for future income replacement and cover funeral costs.
Goosehead Insurance - Nick Laiben provides life insurance planning and coverage options for individuals and families in Cape Girardeau, MO. Services include term, whole, and universal life policies tailored to client needs. Policy review and adjustment services are available to keep coverage aligned with changing life circumstances. The agency serves single-family homeowners, apartment residents, retail tenants, and restaurant operators.
TIG Thomas Insurance Group serves homeowners, families, and individual policyholders in Cape Girardeau, Missouri, offering life insurance coverage. The agency helps clients evaluate term and permanent policies to protect their financial future. Agents guide customers through the application process and assist with beneficiary designations. They also review existing policies to ensure coverage remains appropriate as circumstances change. Service extends to residents in nearby Jackson as well.
Coalter Insurance Group serves clients in Cape Girardeau, Missouri, and the surrounding communities of the region. The agency handles life insurance policies designed to help individuals and families secure financial protection for their loved ones. It focuses on explaining policy options clearly, including term and permanent coverage, to match each client’s specific needs and budget. A typical job begins with a thorough review of the client’s financial situation and future goals, then recommends a suitable plan from multiple carriers to ensure appropriate coverage.
At Farmers Insurance - Tom Smith in Cape Girardeau, MO, clients choose between a single-life policy for one-time needs and a permanent plan that renews with scheduled premiums, ensuring coverage aligns with long-term financial goals. Life insurance protects families from unexpected loss by providing a death benefit to beneficiaries. Policies are tailored to replace income or cover final expenses. Service runs on an as-needed basis, with policy reviews and updates scheduled annually or when circumstances change.
As a life insurance agent in Cape Girardeau, MO, Shelter Insurance with Sarah Reilly specializes in providing term, whole, and universal life policies designed to protect families from financial hardship. Alongside these core offerings, it assists clients with retirement income planning and final expense coverage, tailoring each plan to individual needs. This local agent helps residents consider long-term security, particularly through the spring months when many review their policies after filing annual taxes.
As the seasons change in Cape Girardeau, many residents begin reviewing their financial plans to ensure protection for loved ones. Hoesli Insurance Agency assists local families and individuals in understanding their life insurance options and securing appropriate coverage. The process begins with a careful review of each client's current situation and long-term goals. This comprehensive initial assessment identifies the most suitable policy type and benefit amount to meet specific needs without overextending budgets. Following this consultation, a straightforward application and inspection step is scheduled to finalize coverage.
Farmers Insurance - Douglas Spooler, ChFC® RICP® FSCP® in Cape Girardeau, MO, assists individuals and families with life insurance policies tailored to their financial needs. This agency also offers specialized planning for retirement income and legacy goals. As a life insurance agent, it helps clients secure protection that aligns with long-term strategies. The agency can further serve commercial sectors such as local offices, warehouses, and food service operations, providing coverage for business continuity.
Laurel Adkisson Agency LLC American Family Insurance provides residential life insurance coverage to individuals and families in Cape Girardeau, Missouri. Commercial coverage options are also available for local businesses seeking protection for their operations and key personnel. The agency serves clients throughout the surrounding area with personalized policy reviews and plan adjustments. After an initial consultation and policy setup, the representative follows up between regular visits to address any changing needs or questions that arise.
What Does a a Life Insurance Agent in Cape Girardeau Cost?
The cost of a life insurance policy in Missouri depends on your age, health, and coverage amount. A healthy 35-year-old might pay 20 to 40 dollars per month for a 20-year term policy with 250,000 dollars in coverage. Whole life policies cost more, often 100 to 300 dollars per month for similar coverage. Costs vary by case and insurance company. This is general information, not insurance advice.
About life insurance agents in Cape Girardeau
Life insurance agents in Cape Girardeau Missouri help residents choose policies that protect their families. Missouri law requires agents to hold a valid state license and follow the Missouri Insurance Code. Local agents understand the needs of families in Cape Girardeau and surrounding areas.
Frequently Asked Questions
What license does a life insurance agent need in Missouri?
A life insurance agent in Missouri must hold a valid resident or non-resident license from the Missouri Department of Insurance. The agent must complete pre-licensing education and pass a state exam. Continuing education is required every two years to renew the license.
How long do I have to change my mind on a life insurance policy in Missouri?
Missouri law gives you a free look period of at least 10 days after you receive a life insurance policy. During this time you can cancel for a full refund. This rule applies to individual life insurance policies sold in the state.
What types of life insurance can an agent in Cape Girardeau offer?
Agents in Cape Girardeau typically offer term life, whole life, universal life, and variable life insurance. They can also provide final expense policies and group life coverage. Each type has different features and premium structures.
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