Enter your ZIP code:

Kansas Life Insurance

Protecting your family and looking out for their best interests is a serious endeavor. That's why InsureMe, your online source for Kansas life insurance and information, takes life insurance seriously…and we can help you find the policy that suits your family's needs.

With just a few minutes of your time and a little information, we'll put you in touch with top insurers, who will help you get just the policy and protection you need.

Don't put your family in a precarious position. Prepare for their future today!


Kansas Life Insurance: Your Questions Answered

Why Buy Life Insurance?

Life insurance provides an unmatched opportunity to care for your loved ones when you die. But more specifically, it helps your family meet all kinds of goals in your absence.

Most people buy life insurance to replace their family's lost income. Others buy it so their loved ones will have cash to pay off outstanding debts when they're gone, ensuring their spouse or children won't have to sell cherished possessions to pay taxes or funeral expenses. Still others use it to pay for their family's education, relocation or retirement.

Regardless why you choose to buy life insurance, this kind of purchase is a wise one if you want to make future provision for your family.

Important Considerations

Over 700 insurance companies and approximately 15,000 agents are currently licensed to sell Kansas life insurance, according to the Kansas Insurance Department. This creates a competitive marketplace, and increases the likelihood that you'll find just the right life insurance protection you need for an affordable price.

When trying to decide just how much life insurance you should purchase, consider the following factors:

  • Any immediate needs your family may have at the time of your death
  • Funds that might be needed during a readjustment period
  • Ongoing financial needs

Many Kansas life insurance companies say you should purchase life insurance equal to five to seven times your annual take-home pay. However, this is a rule of thumb and only provides a guideline. Speak with a licensed Kansas life insurance agent to determine how much insurance you should buy to cover your family's actual needs should you pass away.

What Is Available

The two most common types of Kansas life insurance include:

  1. Term life: the simplest form, providing financial protection for a temporary period of time. May or may not be renewable. Normally written for individuals who need large amounts of coverage for specific time periods. Initial premiums are usually much less than for whole life insurance, but they may increase each year for a specified period. Good coverage for young Kansas families raising children or paying off mortgages over the short term. Does not build equity, but monthly costs are low.
  2. Whole life: long-term financial protection. Includes a death benefit and, in some cases, cash savings. Builds equity over time, but premiums are higher than with term insurance. Rates remain the same once the policy is purchased. Good for those attempting to meet long-range financial goals.

Term life insurance is often compared to renting your home, while whole life is compared to home ownership. Homeowners build equity in their homes, while those who rent do not. When those homeowners sell their homes, they retain any cash benefits, just as those purchasing whole life insurance policies do when they cancel their policies. However, those with term insurance are protected only as long as their policies are in effect and they pay their premiums.

Which type of life insurance policy you need to purchase depends entirely on your family's situation in the event of your death. So educate yourself, ask questions and examine your own situation closely before making your final decision.

Choosing an Agent

Kansas life insurance agents are paid commissions to provide their clients with good customer service. So hold any agent you choose accountable for the following services:

  • Advice about the right insurance policy for your needs
  • Explanations of policy coverage and cost
  • Information regarding the latest insurance developments
  • Annual Kansas life insurance policy reviews

Agents who will not take the time to answer your questions, explain what they have to offer or review your coverage with you does not deserve your business. So expect the best—and switch to a different Kansas life insurance provider if you're not satisfied with the service you are given.

Wise Shopping

When shopping for life insurance coverage, don't rush into anything. Take your time and don't make any hasty decisions.

 Make sure you understand all policy provisions fully before you sign on the dotted line. And don't pay cash when you make your purchase. You may need a receipt and all the associated paperwork as verification of your purchase later, should you decide to withdraw from your contract.

Perhaps most importantly, remember: Kansas life insurance providers are obligated by law to provide you with a 10-day "free look" period. During this time, you may change your mind FOR ANY REASON and get all your money back. So review your new policy and make sure it spells out the coverage you expected before this 10-day window expires.

Have More Questions?

The Kansas Insurance Department can answer any questions you may have regarding Kansas life insurance—so just ask! You can reach them online at www.ksinsurance.org , or by phone at 785-296-3071.

Ready to Proceed?

The Kansas life insurance coverage you need is at your fingertips! Contact InsureMe today for free insurance quotes from insurers in your area.

Take good care of your family with a Kansas life insurance policy today!


Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
52 Wyoming Life Insurance youcomparequotes 4502
51 Wisconsin Life Insurance youcomparequotes 4662
50 West Virginia Life Insurance youcomparequotes 4405
49 Washington, D.C. Life Insurance youcomparequotes 4205
48 Washington Life Insurance youcomparequotes 4345
47 Virginia Life Insurance youcomparequotes 4143
46 Vermont Life Insurance youcomparequotes 4214
45 Utah Life Insurance youcomparequotes 4386
44 Texas Life Insurance youcomparequotes 4303
43 Tennessee Life Insurance youcomparequotes 4198
42 South Dakota Life Insurance youcomparequotes 4263
41 South Carolina Life Insurance youcomparequotes 4336
40 Rhode Island Life Insurance youcomparequotes 4104
39 Pennsylvania Life Insurance Quotes youcomparequotes 4601
38 Oregon Life Insurance Quotes youcomparequotes 4187
37 Oklahoma Life Insurance youcomparequotes 3983
36 Ohio Life Insurance youcomparequotes 3970
35 North Dakota Life Insurance youcomparequotes 4181
34 North Carolina Life Insurance Quotes youcomparequotes 3936
33 New York Life Insurance youcomparequotes 4088
32 New Mexico Life Insurance youcomparequotes 3915
31 New Jersey Life Insurance youcomparequotes 3780
30 New Hampshire Life Insurance youcomparequotes 3875
29 Nevada Life Insurance youcomparequotes 3784
28 Nebraska Life Insurance youcomparequotes 3718
27 Montana Life Insurance youcomparequotes 4000
26 Missouri Life Insurance youcomparequotes 4002
25 Mississippi Life Insurance youcomparequotes 3634
24 Minnesota Life Insurance youcomparequotes 3994
23 Michigan Life Insurance youcomparequotes 4230
22 Massachusetts Life Insurance youcomparequotes 3876
21 Maryland Life Insurance youcomparequotes 3807
20 Maine Life Insurance youcomparequotes 3640
19 Louisiana Life Insurance youcomparequotes 3563
18 Kentucky Life Insurance youcomparequotes 3693
» Kansas Life Insurance youcomparequotes 4129
16 Iowa Life Insurance youcomparequotes 3799
15 Indiana Life Insurance youcomparequotes 4028
14 Illinois Life Insurance youcomparequotes 3597
13 Idaho Life Insurance youcomparequotes 3552
12 Hawaii Life Insurance youcomparequotes 3522
11 Georgia Life Insurance Quotes youcomparequotes 3962
10 Florida Life Insurance youcomparequotes 3654
9 Delaware Life Insurance youcomparequotes 3869
8 Connecticut Life Insurance youcomparequotes 3895
7 Colorado Life Insurance youcomparequotes 3669
6 Colorado Life Insurance youcomparequotes 3886
5 California Life Insurance Information youcomparequotes 3386
4 Arkansas Life Insurance youcomparequotes 3427
3 Arizona Life Insurance Quotes youcomparequotes 3836
2 Alaska Life Insurance youcomparequotes 4203
1 Alabama Life Insurance youcomparequotes 3646
XE Login