Missouri Term and Universal Life Insurance

Missouri Life Insurance Resources

When you apply for a large amount of Missouri Term and Universal Life Insurance—typically considered a jumbo case—you will usually need to provide some personal financial information. A jumbo case is different from insurer to insurer. It can be as small as $1 million or may need to reach $5 million before being considered a jumbo case. In a process called underwriting, the insurance will review an applicant’s medical history, family history, smoking status, driving record, alcohol or drug use, hazardous sports or hobbies, foreign travel, and residency. These factors together determine actual premium costs for the policy.

Missouri Department of Insurance: The purpose of the Department of Insurance is to faithfully execute the state insurance laws in a manner that protects insurance consumers.

Missouri Life & Health Insurance Guaranty Association: The state life insurance guaranty association works to guarantee the safety of all Missouri Life Insurance coverage, even in the face of an insolvency by a member life insurance company.


Missouri Life Insurance Company Ratings: AM Best is the most prominent ratings company reviewing Missouri Life Insurance Companies based on their ability to pay claims. At Life Insurance.Net we work only with A and A+ rated life insurance companies..

Here is a complete list of the State Departments of Insurance

Learn more about our wonderful state. Check out Netstate’s Missouri State Almanac.

Our life insurance agents service all communities in Missouri including:

  • Kansas City
  • Saint Louis
  • Springfield
  • Independence
  • Columbia
  • Jefferson City

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