Kansas City Life Insurance Company at a Glance
- Founded in 1895
- Offers life insurance and annuities
- Rated "A-" (excellent) by AM Best
- Rated "A" (excellent) by the Better Business Bureau (BBB)
Kansas City Life pros: Longstanding carrier with more than 125 years' of experience. Offers several life insurance products and annuities. High ratings by AM Best and the BBB. Works with independent insurance agents.
Kansas City Life cons: Not accredited by the BBB. Complaints filed against them through the BBB. Not as user friendly as other carriers. Negative customer feedback.
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What Type of Insurance Does Kansas City Life Offer?
Here's an overview of the products offered by Kansas City Life.
- Term life insurance
- Whole life insurance
- Universal life insurance
Your independent insurance agent can help you find more information about the coverages offered by Kansas City Life, and help you decide if this insurance company is right for you.
What to Know about Kansas City Life Insurance Company
Founded in 1895, Kansas City Life Insurance Company has more than a century and a quarter's worth of experience in the insurance industry. The carrier was originally named Bankers Life Association and is still headquartered in Kansas City, MO. Kansas City Life changed its name to its current title in 1900.
Kansas City Life offers coverage exclusively through independent insurance agents to customers in 49 states and DC. They have more than 2,500 agents and 400 employees. The insurance company claims to have half a million policyholders across the US.
Thanks to its extremely longstanding history and network of independent insurance agents, Kansas City Life has earned a reputation over time as a financially sound insurance company. AM Best gives Kansas City Life an overall “A-” rating, indicating the carrier is an excellent choice.
Established in 1899, AM Best is one of the oldest rating companies in the world. Reviews from AM Best indicate an insurance company’s financial strength and creditworthiness and are based on comprehensive evaluations of the company’s operating performance, business profile, and annual report.
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What Discounts Does Kansas City Life Offer?
Kansas City Life does not make information about their discounts readily available. However, an independent insurance agent can find these details for you. Independent insurance agents work hard to scout out any discounts and other money-saving hacks you might qualify for on your coverage.
Kansas City Life Customer Service
Here's a breakdown of Kansas City Life's customer service options and availability.
- Phone contact option
- Snail mail contact option
- Contact form on website
- Phone, fax, email, or snail mail claims reporting
- Phone department does not specify hours
To ensure a great customer service experience, work together with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Kansas City Life Insurance Company FAQ
What is Kansas City Life's average claim response time frame?
Kansas City Life does not offer a specific claims response time frame.
What is Kansas City Life's customer service availability?
Kansas City Life does not specify contact hours for its customer service phone department. The carrier can also be reached by snail mail, and claims can be filed through several mediums.
What is Kansas City Life's claims process?
Kansas City Life does not detail its claims process beyond how to file. However, your independent insurance agent can file claims for you and keep you updated through every step of the process.
Does Kansas City Life create a user-friendly experience for customers?
Kansas City Life's official website is a bit more difficult to navigate than other carriers'. It would benefit from providing more detail about claims and contact hours. The carrier does have a social media presence, which makes them more accessible to customers.
Does Kansas City Life have good term life insurance?
Kansas City Life's term life insurance comes with the following unique benefits and features.
- Death benefit protection
- Income protection
- Business insurance options such as key man coverage
- Tax advantages
- Customizable policy options
- Policy conversion options
An independent insurance agent can help provide further detail about Kansas City Life's term life insurance, as well as their other products offered.
Is Kansas City Life a good insurance company?
Kansas City Life is highly rated by AM Best and the BBB and has been in the industry for more than a century. Customer reviews seem to be mainly negative, however. So, we're hesitant to call Kansas City Life a good insurance company at this time.
Kansas City Life Insurance Company Customer Reviews
|Better Business Bureau|
|If I could give negative stars I would. DO NOT PURCHASE LIFE INSURANCE FROM KANSAS CITY LIFE INSURANCE. They are a dishonest company. They sold us one thing and we found out two years later that they lied and we did not get the policy we were told. STAY AWAY FROM KANSAS CITY LIFE INSURANCE!|
|I paid the monthly premium of $56 for my husband's policy, from back in 1997 when we moved in together. [. . .] K.C. Life could care less about making sure they are paying claims to the legal and lawful beneficiary. They just want to get it over with. [. . .] KC Life is just as guilty as my in-laws and do not recommend any soul to deal with them for ANY insurance needs.|
TrustedChoice.com's Final Review
We award Kansas City Life a final rating of 2 out of 5 stars. The insurance company has been around for many years now and is highly rated by AM Best and the BBB. However, they are not BBB accredited and have had a few complaints filed against them.
Kansas City Life offers several options when it comes to life insurance, but they're severely lacking in the user-friendliness department. Further, many of their customer reviews are disturbingly negative. They do get points for working with independent insurance agents, though.
Overall, we recommend working together with your independent insurance agent to survey your other options for life insurance or annuities.
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