Best Life Insurance in Kansas for 2025 (Your Guide to the Top 10 Companies)
State Farm, Prudential, and AIG provide the best life insurance in Kansas, with flexible policies and substantial discounts for non-smokers and those with multiple policies.
State Farm leads with a 17% bundling discount, local agent support, and customizable term and whole-life plans. Prudential is the best choice if you're looking for universal life insurance in Kansas.
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | 17% | B | Claims Satisfaction | State Farm |
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#2 | 10% | A+ | Universal Policies | Prudential |
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#3 | 12% | A | Cheap Rates | AIG |
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#4 | 20% | A | Bundle Discount | Farmers |
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#5 | 8% | A++ | Family Coverage | Guardian Life |
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#6 | 9% | A++ | Long-Term Security | Northwestern Mutual |
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#7 | 10% | A++ | Whole Life Plans | New York Life |
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#8 | 11% | A+ | Policy Options | Transamerica |
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#9 | 10% | A+ | Retirement Focus | Lincoln Financial |
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#10 | 13% | A+ | Health Benefits | Mutual of Omaha |
Scroll down to compare comprehensive coverage options from these best life insurance companies. Cheap Kansas life insurance rates start at just $32 per month.
Quickly compare life insurance rates from top providers in KS with our free quote comparison tool.
What You Should Know
- State Farm is the top pick, offering a 17% bundling discount and customizable term and whole life plans
- The best life insurance in Kansas includes Prudential’s indexed universal policies
- AIG provides cheap life insurance in Kansas for $32 per month
#1 – State Farm: Top Overall Pick
Pros
- Largest Local Agent Network: Over 19,000 licensed agents provide in-person assistance for life insurance claims in Kansas. Get full ratings in our State Farm review.
- Bundling Savings: Policyholders can save 17% on life insurance in Kansas by bundling with auto or home policies.
- Convertible Term Policies: Term life policies can be converted into permanent life insurance without a new medical exam.
Cons
- Lower Financial Strength: Holds a B rating from A.M. Best, which is below competitors like Prudential and Guardian.
- Higher Whole Life Premiums: Whole life insurance in Kansas costs $162 a month, which is more expensive than some companies.
#2 – Prudential: Best for Universal Life
Pros
- Financial Stability: A.M. Best has given it an A+ rating, guaranteeing a solid payout history. Explore more in our Prudential insurance review.
- No-Lapse Guarantee: Prudential universal life policies in Kansas are protected against non-payment lapses as long as policyholders meet certain criteria.
- Flexible Payment Plans: Policyholders can pay premiums in several different ways to match their budgets.
Cons
- Expensive Term Rates: Life insurance in Kansas starts at $39 a month, 22% higher than AIG's entry-level pricing.
- Limited Bundling Savings: Offers only a 10% discount, significantly less than State Farm and Farmers bundling offer.
#3 – AIG: Best for Cheap Rates
Pros
- Lowest Term Life Premiums: Offers $32 per month term life insurance in Kansas, making it the most affordable option. Discover more in our AIG insurance review.
- No-Medical-Exam Policies: Guaranteed issue plans are available for life insurance in Kansas for applicants aged 50–85, with no health questions.
- Customizable Term Lengths: Choose between 10, 15, 20, 25, and 30-year term policies for life insurance in Kansas, with conversion options.
Cons
- Customer Complaints: AIG has more customer complaints than other major Kansas life insurance companies.
- Lacks Local Support: No in-person agents available for life insurance in Kansas, requiring online or phone customer service.
#4 – Farmers: Best Bundling Discount
Pros
- Bundling Discount: Offers a 20% discount when bundling life insurance in Kansas with auto or home policies.
- Strong A.M. Best Rating: A rating indicates a solid history of claim payments for life insurance beneficiaries in Kansas.
- Level Premium Terms: Offers 10, 20, and 30-year term life insurance in Kansas with guaranteed premium rates. Learn more in our Farmers insurance review.
Cons
- High Number of Complaints: Farmers has three times more customer complaints than other life insurance companies in Kansas.
- Limited Investment Flexibility: Farmers’ indexed universal life caps return at a preset percentage, whereas Prudential and Lincoln’s offer higher growth potential linked to broader market performance.
#5 – Guardian Life: Best for Family Coverage
Pros
- Top-Tier Financial Strength: Holds an A++ rating, the highest available for life insurance in Kansas.
- Child Coverage Options: Provides child term riders that add up to $25,000 in coverage for life insurance in Kansas. Learn how to get life insurance for someone else.
- Dividend Payments: Offers whole life policies that pay annual dividends, increasing cash value growth for life insurance in Kansas.
Cons
- Lower Bundling Savings: Only offers an 8% bundling discount for life insurance in Kansas, significantly less than Farmers and State Farm.
- High-Term Policy Pricing: Starts at $40 per month, 25% more expensive than AIG's life insurance rates in Kansas.
#6 – Northwestern Mutual: Best for Long-Term Security
Pros
- Highest Financial Strength Rating: Northwestern Mutual holds an A++ rating from A.M. Best, providing long-term security with top-rated financial backing for Kansas life insurance.
- Dividend-Paying Whole Life: Whole life insurance in Kansas includes annual dividend payments, boosting policyholder earnings.
- Indexed Universal Life Available: Offers policies with market-linked growth potential for life insurance in Kansas.
Cons
- Premiums Above Market Rates: Whole life insurance in Kansas starts at $180 a month, significantly higher than competitors.
- Strict Medical Underwriting: Requires complete medical exams before approval for life insurance in Kansas. Find out how to choose the right policy if you need life insurance now.
#7 – New York Life: Best for Whole Life Plans
Pros
- Guaranteed Cash Value Growth: Whole life insurance in Kansas accumulates cash value with a guaranteed minimum interest rate.
- Highest Financial Strength Rating: Rated A++ by A.M. Best, New York Life is one of Kansas's most financially secure life insurance providers.
- Convertible Term Policies: Term life insurance in Kansas can convert to permanent coverage without a new medical exam.
Cons
- Limited Discounts: Kansas offers no bundling discounts on term life insurance. Learn how insurance companies make money from premiums.
- Higher Premiums: Whole life insurance in Kansas starts at $174 per month, exceeding competitors like Guardian.
#8 – Transamerica: Best for Policy Options
Pros
- Lots of Policy Options: Offers universal, indexed, and variable life insurance in Kansas, giving you plenty of flexibility.
- Highly Rated for Reliability: Holds an A+ rating from A.M. Best, meaning it has a strong record of paying out claims. Find out how life insurance and long-term care insurance plans can help you in the future.
- High Term Limits: Buy term life coverage in Kansas up to $10 million.
Cons
- Limited Local Agent Support: Most Kansas life insurance customer interactions occur online or via phone.
- No Dividend-Paying Policies: There is a lack of dividend-paying whole life insurance in Kansas compared to other companies.
#9 – Lincoln Financial: Best for Retirement Focus
Pros
- Retirement-Oriented Coverage: Offers annuity-linked universal life insurance designed for retirement income in Kansas. Learn how early retirement affects insurance.
- Stable Financial Standing: Holds an A+ rating, ensuring Kansas' policyholder security for life insurance.
- Indexed Universal Growth: Multiple Kansas universal life insurance policy options to meet different investment and retirement needs.
Cons
- Higher Premiums: Term life insurance in Kansas starts at $37 per month, making it more costly than other companies.
- Fewer Term Life Options: Primarily offers universal and indexed life insurance in Kansas.
#10 – Mutual of Omaha: Best for Health Benefits
Pros
- Critical Illness and Living Benefits: Provides policyholders accelerated death benefits if diagnosed with a vital, chronic, or terminal illness. Get expert advice on how to find affordable health insurance.
- Top-Tier Financial Strength: Mutual of Omaha has an A+ rating from A.M. Best, assuring solid financial security for Kansas life insurance consumers.
- Guaranteed Issue Plans: No medical exam life insurance is available for applicants ages 45-85, making it ideal for seniors or those with health concerns.
Cons
- Higher Whole Life Costs: Whole life insurance in Kansas starts at $158 a month, making it less competitive than term life policies from AIG or Transamerica.
- Lower Bundling Discount: Provides only a 13% bundling discount, which is lower than other life insurance companies in Kansas.
Comparing Term and Whole Life Insurance Rates in Kansas
You want to balance affordability and long-term security when selecting the best life insurance policy in Kansas. AIG has the cheapest term coverage at $32 a month, which is perfect for those on a tight budget.
| Insurance Company | Term Policy | Whole Policy |
|---|---|---|
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$32 | $150 |
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$33 | $155 |
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$40 | $168 |
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$37 | $169 |
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$34 | $158 |
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$38 | $174 |
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$42 | $180 |
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$39 | $178 |
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$35 | $162 |
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$36 | $162 |
Mutual of Omaha and Farmers follow at $33 and $34 per month, offering affordable rates and solid financial support. On the higher end, Northwestern Mutual charges $42 a month for term coverage, reflecting its A++ rating and dividend-paying whole-life options.
Whole life policies cost significantly more, with New York Life and Northwestern Mutual exceeding $170 monthly due to their cash value accumulation, investment growth, and modified whole-life insurance options.
AIG remains the most affordable whole-life provider at $150/month, making it a strong choice for cost-conscious buyers. The best life insurance in Kansas depends on individual needs, financial goals, and long-term policy benefits.
Maximizing Life Insurance Discounts in Kansas
Choosing the correct policy is only one way to save money on life insurance in Kansas. Another is to use discounts to reduce your premiums. Savings are provided by insurers for combining policies, leading a healthy lifestyle, abstaining from smoking, sticking with a single provider, and setting up automatic payments.
| Insurance Company | Bundling | Healthy Lifestyle | Non-Smoker | Loyalty | AutoPay |
|---|---|---|---|---|---|
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12% | 7% | 15% | 5% | 3% |
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20% | 5% | 12% | 4% | 2% |
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8% | 8% | 15% | 6% | 4% |
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10% | 6% | 14% | 5% | 3% |
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13% | 7% | 15% | 5% | 3% |
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10% | 8% | 15% | 6% | 4% |
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9% | 7% | 14% | 5% | 3% |
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10% | 6% | 13% | 4% | 3% |
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17% | 8% | 15% | 6% | 4% |
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11% | 5% | 12% | 4% | 3% |
Farmers offers the highest bundling discount at 20%, making it a top choice for those combining life, auto, or home insurance. AIG, Guardian, and State Farm provide a 15% non-smoker discount, rewarding tobacco-free policyholders with the biggest rate reductions. If you prioritize health, New York Life and Guardian give an 8% discount for active lifestyles, including those with regular wellness checkups.
Staying with one insurer also pays off — Guardian and New York Life provide a 6% loyalty discount for long-term customers. Setting up AutoPay can save up to 4% with Guardian, New York Life, and State Farm. Taking advantage of these discounts ensures affordable life insurance in Kansas while maintaining strong coverage.
Read More: Best Life Insurance Companies That Offer Discounts For Being Healthy
Key Features of Life Insurance Plans in Kansas
To accommodate Kansas life insurance policyholders, insurers provide a variety of plans, such as universal, indexed universal, guaranteed issue, and accidental death & dismemberment (AD&D) coverage.
| Coverage Type | Universal | Indexed Universal | Guaranteed Issue | Variable | AD&D |
|---|---|---|---|---|---|
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✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
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✔️ | ✔️ | ❌ | ❌ | ✔️ |
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✔️ | ❌ | ✔️ | ✔️ | ✔️ |
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✔️ | ✔️ | ❌ | ✔️ | ✔️ |
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✔️ | ✔️ | ✔️ | ❌ | ✔️ |
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✔️ | ✔️ | ❌ | ✔️ | ✔️ |
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✔️ | ❌ | ❌ | ✔️ | ✔️ |
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✔️ | ✔️ | ❌ | ✔️ | ✔️ |
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✔️ | ❌ | ❌ | ❌ | ✔️ |
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✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
Some companies offer more flexibility than others when it comes to policy options. AIG and Prudential provide most policy options, while State Farm has the least.
Whether you're looking for a straightforward plan or an investment-focused option, understanding whole vs. universal life insurance can help you choose the best life insurance in Kansas for your financial future.
Top-Rated Life Insurance Companies in Kansas
State Farm, Prudential, and AIG offer the best life insurance in Kansas, combining affordability, financial strength, and flexible policy options for everyone's budget.
State Farm provides a 17% bundling discount for those combining life, auto, or home insurance and allows term-to-permanent policy conversions without a medical exam. Prudential’s indexed universal life offers cash value growth tied to S&P 500 performance with coverage of up to $10 million for wealth planning. AIG has the lowest term rates at $32 monthly and guaranteed issue coverage for ages 50-85 without health exams.
Securing the best Kansas life insurance policy requires more than finding the lowest rate — it involves strategic choices that maximize savings without sacrificing coverage. While self-insurance works for those with substantial savings, most policyholders benefit from term life coverage and discounts for healthy lifestyles, bundling, and smart payment decisions.
You can cut life insurance costs by paying annually instead of monthly to avoid extra fees. Comparing multiple life insurance quotes online is the best way to lock in affordable coverage. Use our free quote comparison tool to make your search for life insurance more efficient.
Frequently Asked Questions
How much is life insurance in Kansas?
In Kansas, life insurance costs vary depending on the provider and kind of coverage; whole life plans from Northwestern Mutual and New York Life cost more than $170 per month, while AIG sells term life for as little as $32 a month.
What happens when a Kansas life insurance company goes bankrupt?
If a life insurance company goes bankrupt in Kansas, the Kansas Life & Health Insurance Guaranty Association covers policies up to $300,000 in death benefits and $100,000 in cash value.
How is life insurance different in Kansas?
Life insurance in Kansas follows state regulations, including a 30-day grace period for missed payments and protections under the Kansas Life & Health Insurance Guaranty Association. Life insurance classifications affect premiums and coverage based on risk factors and policy type.
How can you find a lost life insurance policy in Kansas?
To locate a lost life insurance policy in Kansas, use the Kansas Insurance Department's Life Policy Locator or check with the National Association of Insurance Commissioners (NAIC) policy search tool.
What type of life insurance is the best to get in Kansas?
The best life insurance in Kansas depends on your needs — AIG offers the lowest term life rates at $32 per month, making it ideal for affordability. In contrast, Prudential's indexed universal life policies provide cash value growth tied to S&P 500 performance for long-term financial planning.
Compare life insurance quotes from leading providers. All you need to do is enter your ZIP code.
What do you not say when applying for life insurance in Kansas?
Avoid lying about smoking, pre-existing conditions, or high-risk hobbies like skydiving, as insurers can investigate and deny coverage. Applicants needing high-risk life insurance due to medical conditions or dangerous occupations may face higher premiums or limited policy options but can still find coverage through specialized providers.
What is the difference between term life and whole life insurance?
Term vs. whole life insurance comes down to affordability and long-term value. Whole life insurance builds capital value and offers protection for life at a higher monthly cost, but term life insurance only covers a specific period of time and has cheaper premiums.
What happens if you outlast your term life insurance in Kansas?
If you outlive your term life insurance in Kansas, you must either renew at a higher rate, convert to permanent coverage with companies like State Farm, or purchase a new policy.
What disqualifies you from a life insurance policy in Kansas?
Major disqualifications include a history of heart disease, recent cancer diagnosis, multiple DUIs, or engaging in extreme sports like base jumping.
Which Kansas life insurance companies deny the most claims?
Companies with strict underwriting policies, like Northwestern Mutual and Guardian, may deny more claims due to inaccurate medical information or failure to disclose high-risk behaviors. Following tips to ensure your insurance claims get paid, such as providing complete health history, avoiding misrepresentation, and keeping beneficiaries updated, can help prevent claim denials.
How long does it take for Kansas whole life insurance to build cash value?
Cash value starts accumulating in the first year, but it typically takes 10-15 years to reach a significant amount, depending on the policy and provider.
Does State Farm offer cash-value life insurance in Kansas?
State Farm offers whole life and universal life insurance, accumulating cash value over time with fixed premiums. Policies may also include an automatic premium loan provision, which allows unpaid premiums to be covered using the policy's cash value to prevent lapses in coverage.
At what age should you stop purchasing term life insurance in Kansas?
Buying term life insurance past age 65 may not be cost-effective, as premiums increase significantly — Northwestern Mutual and New York Life charge over $100 monthly for older applicants.
Which life insurance company in Kansas has the highest customer satisfaction?
State Farm, Prudential, and New York Life consistently receive high ratings for customer service, claims processing, and financial stability. Additionally, digital life insurance companies that offer online quotes provide a convenient way for Kansas residents to compare policies and secure coverage quickly.