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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Mr John Rogers was very thorough to help review our current personal lines policies, remarket them and present comparative proposals. In our situation he was not only able to significantly... read more
Dabney S.
April 5, 2026John Rogers was kind, considerate, professional and thorough. The transition to G & G Was seemless!
Kandi S.
April 2, 2026I just want to give a HUGE shout out to Jolyn Brock for helping me get a new policy on my ford bronco! She was a pleasure to work with... read more
Natalie S.
April 1, 2026 -
Micah Gay shopped around and got us huge discounts in under 10 minutes. He made it so easy!!
Kailey T.
March 30, 2026Very easy to communicate with as they have reached out, the process can be as simple and confirming information
Seth C.
March 26, 2026Quick. Attentive. Knowledgeable. Micah is saving me hundreds each month. Now more than ever that savings makes a difference! Give em a call today. Ask for Micah and tell... read more
Cassie M.
March 25, 2026 -
Micah was a huge helping hand when it came to helping me figure out my situation and I really appreciated it!
Chris J.
March 24, 2026Micah was absolutely incredible to work with while I was navigating buying my first home. I had a lot of questions and honestly felt a little overwhelmed at times, but... read more
Grace S.
March 23, 2026Tyler went above and beyond 10x to find us the best coverage!
Amy
March 21, 2026 -
I was in a time crunch sitting at the car lot needing insurance late afternoon on a Friday and Payton helped me get coverage quickly and efficiently! She went above... read more
Lyndie M.
March 16, 2026Very easy to work with and quick!
Layne T.
March 13, 2026Very easy and very honest. Great prices
Micah J.
March 11, 2026 -
John provided an excellent service and found us the best homeowner’s insurance rate. Not only did he dedicate his time to ensuring we received the best coverage to fit our... read more
Shawn D.
March 11, 2026Micah Gay helped my partner and I navigate our first Home Insurance, and helped us save a ton compared to the Big Names with an auto and home bundle. Super... read more
Nick F.
March 10, 2026John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026 -
G&G was fantastic to work with. Payton was a joy to speak with and answered all our questions (no matter how stupid)! Would definitely recommend and use again!
Chris D.
March 3, 2026Great experience. I dislike sales people and dislike being "sold to" even more. John did a great job, listened to what I wanted and did the extra work to make... read more
Bill P.
March 2, 2026We had a great experience with this insurance company, especially working with Terry! The process was incredibly easy from start to finish. Terry explained everything clearly, answered all of our... read more
Paulina T.
January 15, 2026
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Very easy to communicate with as they have reached out, the process can be as simple and confirming information
Seth C.
March 26, 2026 -
John was great to work with and answered all my questions and had helpful feedback!
Kaitlyn M.
March 4, 2026 -
I was in a time crunch sitting at the car lot needing insurance late afternoon on a Friday and Payton helped me get coverage quickly and efficiently! She went above... read more
Lyndie M.
March 16, 2026 -
We connected with Terry at G&G Insurance about 6-7 months ago regarding some auto insurance. He was fantastic. He was able to get us a great plan for our Jeep.... read more
Lyle G.
December 11, 2025 -
Micah was awesome! Very responsive and found me a great rate to bundle my home and auto! Would recommend working with Micah to anyone!
Andrew N.
January 5, 2026 -
They do not provide as good of service as they used to when they were first starting out.
Scott B.
February 28, 2026 -
John Rogers with G&G was professional and prompt throughout the process. He made it easy and painless.
Grant J.
December 4, 2025 -
Quick. Attentive. Knowledgeable. Micah is saving me hundreds each month. Now more than ever that savings makes a difference! Give em a call today. Ask for Micah and tell... read more
Cassie M.
March 25, 2026 -
John helped lower my auto rates. He gave clear explanations. It was definitely worth the trouble to contact him as my previous independent agent made no attempt to help me... read more
ECH
November 13, 2025 -
Mr John Rogers was very thorough to help review our current personal lines policies, remarket them and present comparative proposals. In our situation he was not only able to significantly... read more
Dabney S.
April 5, 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!