Kansas Life Insurance

Find the right life insurance policy for you.

Written by Steve Dahl
Written by Steve Dahl

Steve is a financial services expert who has dedicated himself to the insurance industry for the last 5+ years. Steve is a key contributor to TrustedChoice.com.


Like most residents of the Midwestern states, the people of Kansas place a high value on family and fiscal responsibility. Life insurance gives individuals a way to ensure that their loved ones and dependents will be financially secure in the event of their untimely passing. Unfortunately, a majority of Americans report that they either do not carry a life insurance policy or that the policies they have do not provide sufficient coverage. Kansas residents have many different options when it comes to life insurance, and rate quotes may be lower than you think.

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Life Expectancy Rates: How Kansas Compares to the Nation

As you can see below, life expectancy in KS doesn't differ much with that for the nation as a whole:

  • Overall: United States, 78.6; Kansas, 78.7
  • Among Men: United Sates, 76.0; Kansas 76.3
  • Among Women: United States, 81.2; Kansas, 81.0
  • Among Caucasians: United States: 78.9; Kansas: 78.8
  • Among African-Americans: United States: 74.6; Kansas: 73.6
  • Among Latinos: United States: 82.8; Kansas: 83.5

Why Consider Life Insurance?

Life insurance is all about preparing for the unexpected. It is important to think about how those who depend on you would fare if you were to meet an untimely demise. If you are married, you may want enough coverage to allow your spouse to afford to keep the family home. If you are a parent, you will likely want to ensure that your children are well cared for and that they have many of the opportunities they might otherwise need to forgo due to lack of funds.

A very basic life insurance policy can provide your family with sufficient coverage for your final expenses, which can run to thousands of dollars. A larger policy can provide enough financial stability for your loved ones to enable them to maintain their current lifestyle for years to come as well as provide for your children’s future. Some types of life insurance policies can even provide you with a sum of money that you can access if a financial hardship befalls you while you are still living.

Leading Causes of Death in Kansas

  • Heart disease
    • 189.2 deaths per 100,000 people
    • Ranks 29th among states
  • Cancer
    • 185.4 deaths per 100,000 people
    • Ranks 24th among states
  • Chronic lower respiratory disease
    • 52.4 deaths per 100,000 people
    • Ranks 11th among states
  • Stroke
    • 49.4 deaths per 100,000 people
    • Ranks 20th among states
  • Accidents or unintentional injuries
    • 40.2 per 100,000 people people
    • Ranks 28th among states
  • Alzheimer’s disease
    • 27.5 deaths per 100,000 people
    • Ranks 16th among states
  • Diabetes
    • 23.6 deaths per 100,000 people
    • Ranks 29th among states
  • Influenza/Pneumonia
    • 22.5 deaths per 100,000 people
    • Ranks 14th among states

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It Is Wise to Purchase Life Insurance While You Are Young

Let’s face it, death is a subject that few like to think about; but talking about life insurance forces you to do so. Although a life insurance policy may not seem necessary to you now, if you have loved ones who depend on you for income or care, life insurance may be the only thing that can shield them from financial hardships if something tragic were to happen to you.

Statistically speaking, as a resident of Kansas, you are very likely to live well into your retirement years. Right now, if you are young and in good health, you may think that life insurance is the least important of your concerns. However, this is actually the best time to purchase a policy because you can lock in very low rates for your coverage.

When it comes to life insurance, procrastination is never a good idea. The longer you put off purchasing a policy, the more it will end up costing you. And if you wait until you have been diagnosed with a life-threatening illness or severely injured in an accident, you may find yourself uninsurable.

There Are a Variety of Life Insurance Options Available

There are many different types of life insurance policies on the market. For many residents of KS, choosing a policy type is the most difficult part of purchasing this coverage. The type that is right for you depends a lot on your particular life and financial situation; there are really no right or wrong answers. You should choose the policy type that most appeals to you.

Basically, life insurance falls into two main categories: term life and permanent life. Within each of these categories, you may find hybrid or specialized policy types, but the most important thing to understand is the difference between term and permanent coverage.

  • Term life insurance: Term life insurance provides coverage for a given number of years, or term. Once the term is up, the policy expires. If you still want coverage at that time, you will need to purchase a new policy, which will most likely come at a much higher rate.
    • Pros: Term coverage allows for a high amount of coverage at a low, affordable rate. This coverage will be available to you during the years that you are likely to need it most, i.e. while you still owe a mortgage on your house and your kids still live at home.
    • Cons: This coverage does expire. If your life situation changes and you still need coverage at the time the term runs out, a new policy will cost you significantly more. Also, these policies carry no cash value so if you cancel your coverage before the term is up, you will get nothing back.
  • Permanent life insurance: This type of coverage , which includes whole life and universal life insurance, lasts for as long as you continue to make premium payments. In addition to providing death benefits to your beneficiaries, this type of policy can also be used as an investment vehicle.
    • Pros: This coverage does not expire. You can lock in a low rate while you are very young and keep this rate for the remainder of your life. These policies also have a cash value that can be borrowed against or cashed out at any time if needs so dictate.
    • Cons: Permanent life coverage comes at a significantly higher cost than term coverage so you may not be able to purchase as much coverage. If you attempt to purchase a permanent life policy when you are older, the costs may be prohibitive.

How High Are Life Insurance Quotes in Kansas?

Life insurance rates will vary from one person to another. There are many different factors that can determine how your quotes are calculated. Among them are:

  • Your age and health history
  • Your family’s health history and parents’ and siblings’ ages of death, if applicable
  • A physical exam that measures such things as your height to weight ratio, your blood pressure, and your cholesterol level
  • Whether or not you are a smoker; smokers pay significantly higher rates
  • The type of policy you are purchasing; term coverage costs less than permanent
  • The amount of coverage you wish to buy

When you call to request quotes, insurance companies may give you an estimate of how much your policy will cost, but in many cases, your final quote will not be determined until after the results of the physical exam come back, if an exam is required.

Kansas Residents Can Easily Compare Life Insurance Quotes

When you are first looking into life insurance, it can be very difficult to decide which type of policy is best for you and how much coverage is enough to adequately protect your family. You may be unclear on the differences between term life and permanent life, and whole life and universal life.

Fortunately, help is available. You can contact a local Trusted Choice® agent for answers to your questions. These independent insurance agents can provide guidance and can explain the various types of insurance in detail so you can make an informed decision before making a purchase.

Contact a Trusted Choice agent with an office in KS today to get more information and to start comparing life insurance quotes from a variety of insurance providers.

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