Life Insurance in Missouri
Families trust G&G because we are the only full-service agency that saves you time and money, offers comprehensive coverage made easy, and proven, best-in-class service.
Buying Life Insurance in Missouri is Easier Than You Think!
“Nothing can be said to be certain, except death and taxes.”
Life is famously unpredictable. And although Mr. Franklin’s famous quote about our inevitable demise is true, there’s still uncertainty surrounding the when. That’s why life insurance exists. We never know when we might go, and the best thing we can do for those we love is to be prepared in the worst-case scenario.
If you’re thinking about life insurance, and are wondering if it’s right for you, you’ve come to the right place.
What are the Advantages of Life Insurance?
Insurance is reassurance.
If you have anyone in your life who may be financially affected by your death, be it funeral costs, sudden loss of income, or inheritance of debt, life insurance can help ease their burden.
Beyond that, if the benefits are more than enough to cover any initial costs, the money act as a part of an inheritance. Larger payouts could act as paying off a mortgage, or part of a college savings for your children.
No one should have to stress over money when dealing with the loss of someone close to them. Life insurance eases that financial burden.
Unsure about whether life insurance is right for you?
What Does Life Insurance Cover?
Life insurance coverage can be different from policy to policy, but in general, we will be looking at two categories: What the beneficiaries can use the money for, and what causes of death are covered.
Beneficiaries can usually use the money any way they need to. This could include:
Paying off debts
Life insurance policies usually cover deaths caused by:
Life insurance will not cover you if your plan is expired, you die committing a crime, you die during an exclusionary activity (i.e. you’ve lowered your premiums by specifying that you won’t be covered if you die during high-risk sports), or if you’ve committed insurance fraud.
The Cost of Life Insurance in Missouri
Everyone’s life is different, and some of these differences can impact life insurance rates. Depending on what type of coverage you want, how much you’d like the beneficiaries to receive, and your lifestyle, you may be paying more or less than the average Missourian. In Missouri, rates generally fall around $50 per month, coming in at around $590-$600 a year.
What Our Customers Say
With unwavering dedication and a commitment to excellence, we are proudly trusted by over 13,000 clients who rely on G&G Insurance for their coverage needs.
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I just signed up for home and auto insurance with Heather. I don't believe I have ever spoken with an insurance agent with better product knowledgeability than she! She answered... read more
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September 4, 2026 -
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September 2, 2026 -
Blake was great. Saved me money and did all of the legwork to make it happen.
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August 29, 2026 -
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Kristina worked hard to find me even better coverage and saved me over $1500 a year. Highly recommend.
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Angela did a great job. She was very patient, knowledgeable and helpful.
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July 18, 2026 -
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Kristina was super! Very professional, knowledgeable and helpful with our home and auto policy! She saved us over 2000 dollars. Highly recommend getting your insurance with them!
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July 23, 2026 -
I had casually shopped rates a couple times online and when we were buying a new home my realtor recommended checking out G&G. Wow! What a great experience.... read more
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August 18, 2026 -
Very easy to communicate with as they have reached out, the process can be as simple and confirming information
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Micah was great and easy to work with!
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Micah is the man!!! He saved me a ton of money on my personal policies and got me in check with my business policies! I came to G&G after being... read more
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July 27, 2026
What Factors Affect Life Insurance Premiums in Missouri?
As with any type of insurance, some factors can affect the cost of life insurance. Common causes of price changes in life insurance in Missouri are:
Age
With a longer life expectancy and less risk, younger shoppers often enjoy lower premiums. Many life insurance policies don’t change premiums—meaning that if you buy life insurance while you’re young, you enjoy the lower rates so long as you hold that policy. As you get older, the price of starting life insurance will almost always rise.
Sex
With a longer life expectancy (and therefore more years to pay premiums) women often receive slightly lower rates than men.
Health History
Not only your personal health history, but your family health history can play a role in how much you pay for life insurance in Missouri. Many policies require a health examination before they’ll determine your rates, though there are companies that offer plans with no exam. Often, these cost more.
Hobbies
Don’t worry. You’re not going to see a spike in your life insurance rates if you enjoy painting over knitting. But you might if you frequently participate in high-risk activities. If you’re a lover of skydiving, motorcycle racing, mountain climbing, or other extreme sports and high-risk hobbies, you may find you have higher rates than your friends who prefer reading and playing chess.
Smoking History
Smoking comes with health risks, and life insurance companies aren’t a big fan of health risks. If you smoke, expect to see higher premiums.
Policy Type
Term life insurance usually costs less than Permanent/Whole. However, other policy types within Whole insurance have their own rates.
Bundling
You can often save on life insurance if you bundle it with other insurance plans like homeowners or auto insurance!
Curious about your rates?
G&G Insurance can help you find a quote in no time!
What are the Differences Between Term and Whole Life Insurance?
The two most basic categories of life insurance are Term and Whole (also called Permanent).
With Term life insurance, you choose a plan that covers you for a set time like 10, 20, 30 years, etc. If you die during that time, the insurance policy is carried out. If, however, you are still living when the policy expires, you are no longer covered and no benefits are paid.
Whole life insurance has no expiration date. It lasts your entire life with a guaranteed payout when you pass. It also involves investing and can be used as a temporary loan service—though this can affect how much is provided upon your death.
Term life insurance is less expensive than whole life insurance, but it comes with fewer benefits. If you’re wondering which option is better for you, give us a call! We’d be happy to talk it through with you.
Where Do I Start? A Step-By-Step Guide to Buying Life Insurance!
1
Decide what type of life insurance policy you need: Term or Whole.
2
Add up your current monthly expenses, planned future expenses, and estimated funeral costs to help determine how much money your loved ones would need if you unexpectedly passed. Then multiply this by the number of years you wish to provide for them. This gives you a good estimate of desired coverage.
3
Research various policies available to you. G&G Insurance allows you to search over 50 companies at once!
4
Speak with an advisor and purchase your plan! Our agents can help you with any questions you may have. We’ll help you find a plan that works for you.
Also, check out our Things to Know Before Shopping for Life Insurance!