Your life insurance quotes will depend mostly on what type of policy you want and how much coverage you need, along with personal details about your health and medical history — but your location isn’t one of the factors that affects your rates.
That’s why our Policygenius picks for the best life insurance companies in Kansas are similar to our picks for the best overall companies. But your location can affect company availability and local life insurance laws, so there are a few things you should know before you buy life insurance in Kansas.
Policygenius rating | Best for … | AM Best score | Number of complaints | Cost | |
|---|---|---|---|---|---|
4.9/5 ★ | Overall, cheapest, term life | A+ | Fewer than average | $ | |
5.0/5 ★ | No-medical-exam life, young adults | A | More than average | $ | |
4.9/5 ★ | Whole life | A++ | Fewer than average | $$$ | |
4.8/5 ★ | Marijuana | A | Fewer than average | $ | |
4.8/5★ | Guaranteed universal life | A+ | Fewer than average | $ | |
4.6/5 ★ | Smokers | A | More than average | $ | |
4.1/5 ★ | Seniors | A+ | Fewer than average | $$ |
Methodology
Why you can trust our picks
Our recommendations are based on internal and external expert analysis, as well as our Policygenius Life Insurance Price Index, which uses real-time data from leading life insurance companies to determine pricing trends. When reviewing a life insurance company, our editorial team uses a proprietary scoring rubric with five factors — price, policy details, financial strength, transparency, and customer experience — to assign an unbiased rating between one and five stars. These ratings are also taken into consideration as part of our company recommendations. We don’t get paid for our reviews.
Our reviews and recommendations can help you find a reliable insurer for your family’s financial protection, but the best life insurance company for you depends on multiple factors. A licensed agent at Policygenius can support you during the application process to ensure you get the right coverage for your circumstances at the most competitive price.
Best overall life insurance company in Kansas: Legal & General America
The best life insurance company in Kansas is Legal & General America, which also does business as Banner Life and William Penn in some states. Legal & General America offers cheap average life insurance rates even for smokers or people with certain medical conditions.
According to the National Association of Insurance Commissioners, Legal & General America gets about 60% fewer complaints from its policyholders than what’s expected for the industry, a good indicator of overall customer happiness.
Cheapest life insurance company in Kansas: Legal & General America
Legal & General America has some of the cheapest life insurance rates overall, but remember that your location doesn’t affect what you pay for life insurance.
The best way to find affordable life insurance coverage is by comparing quotes from different companies before you buy. It’s also worth getting coverage when you’re still young, since life insurance rates only go up as you age.
Best term life insurance in Kansas: Legal & General America
Legal & General America has the best term life insurance in Kansas, thanks to its high coverage limits and long term lengths. You may be able to get up to $65 million in life insurance coverage and a term of up to 40 years.
Term life insurance, the best option for most people, works like this: you choose how long you want your policy to last (the term) and the amount you want your loved ones to get if you die while the policy is active (the death benefit). Then, all you have to do is keep up with your payments and you’ll be protected for the length of the term.
Best no-medical-exam life insurance in Kansas: Brighthouse Financial
Brighthouse Financial is the best company for no-medical-exam life insurance in Kansas. If you’re in good health and not a smoker, you may be able to get up to $3 million in coverage and a 30-year term without needing to go through the lengthy medical exam process.
A no-medical-exam life insurance policy is just a normal policy except that instead of taking a medical exam, you submit information about yourself remotely, making the process much shorter. You may even be approved for a no-med policy after your initial phone call.
Best whole life insurance in Kansas: MassMutual
MassMutual is the best whole life insurance company in Kansas. It has an A++ financial strength rating from AM Best, which is important for whole life insurance because the coverage lasts for the rest of your life, not until the end of a set term.
A whole life policy also includes a cash value component that acts kind of like a retirement account — it grows over the life of your policy and you can access it during your lifetime.
Best guaranteed universal life insurance in Kansas: Pacific Life
Pacific Life is the best company for guaranteed universal life insurance in Kansas. It has strong financial strength ratings (A+ from AM Best), and you can apply for coverage up to age 80.
Guaranteed universal life insurance has dependable benefits but is cheaper than other types of permanent life insurance. Like whole life insurance, it also has a cash-value component, but it doesn't gain as much value over time.
Best life insurance for seniors in Kansas: Prudential
Prudential is the best life insurance company for seniors in Kansas because it offers affordable coverage for applicants up to age70. You may be able to find cheap life insurance from Prudential even with certain health conditions, like high blood pressure, osteoporosis, or a history of heart attack.
Best life insurance for young adults in Kansas: Brighthouse Financial
The best life insurance company for young adults in Kansas is Brighthouse Financial, thanks to its low rates and accessible coverage options. Applicants 20 years and older can get up to $3 million in coverage with Brighthouse Financial’s no-medical-exam option.
Best life insurance for pre-existing conditions in Kansas: Lincoln Financial
Lincoln Financial is the best life insurance company in Kansas for people with pre-existing conditions. You may be able to get a policy from Lincoln Financial even with A-Fib, bipolar disorder, high blood pressure, or a history of breast cancer.
Best life insurance for marijuana users in Kansas: Lincoln Financial
Lincoln Financial is the best life insurance company in Kansas if you use marijuana, since it doesn’t put marijuana users in the same rate category as smokers. You may qualify for affordable coverage even if you use marijuana up to 6 times a week.
Marijuana isn’t legal in Kansas, but you shouldn’t lie to your life insurance company if you use it — misrepresenting anything about yourself on your life insurance application can put any future claims at risk.
Best life insurance for smokers in Kansas: Corebridge Financial
Corebridge Financial is the best life insurance company for smokers in Kansas. That’s because Corebridge lets you apply for better rates after just one year of not smoking (other companies require longer periods before you can qualify for non-smoking rates). You can also smoke up to 4 cigars a month and keep your affordable coverage.
How is life insurance different in Kansas?
Living in Kansas doesn’t affect your life insurance rates, but there are some state-specific laws and regulations that you should know about. [1]
Contestable period: Your life insurance company can cancel your policy or deny a claim if it finds out you misrepresented yourself on your application within the first two years of your policy’s life.
Free look period: The free look period in Kansas, or the time you have to cancel your policy and still receive a full refund, is in the first 10 days after purchase.
Grace period: The grace period for missed payments in Kansas is four weeks, that’s the amount of time you have to make a missed payment before your insurance company can cancel your policy.
Guaranty Fund protection: If your life insurance company goes bankrupt, the Guaranty Association in Kansas will cover up to $300,000 of your death benefits and $100,000 of your policy’s cash surrender value.
Time to settle a claim: Kansas requires life insurance companies to process claims within 30 days of receiving proof of death.
Largest life insurance companies in Kansas
Here are the 10 largest life insurance companies in Kansas by market share. [2]
Company | Market share in Kansas |
|---|---|
Northwestern Mutual | 8.98% |
New York Life | 5.83% |
Prudential | 4.85% |
MetLife | 4.29% |
Lincoln Financial | 3.65% |
MassMutual | 3.55% |
State Farm | 3.50% |
Iowa Farm Bureau | 3.28% |
Pacific Guardian | 2.51% |
Pacific Life | 2.27% |
What happens if a life insurance company goes bankrupt in Kansas?
If your life insurance company goes bankrupt, the Kansas Life and Health Insurance Guaranty Association will cover up to $300,000 of your policy’s death benefits and $100,000 in cash surrender value. You keep your coverage as long as you keep paying your premiums.
How to find a lost life insurance policy in Kansas
You can search the Life Insurance Policy Locator Service from the National Association of Insurance Commissioners to find a lost life insurance policy in Kansas — but only if you have a connection to the deceased person.
Average life insurance rates in Kansas
According to our analysis of Policygenius data from 2024, the average cost of life insurance in Kansas is $27 per month ($307 per year) for women and $32 per month ($373 per year) for men — but your exact premiums will depend on factors specific to you.
Age | Gender | $250,000 coverage amount | $500,000 coverage amount | $1 million coverage amount |
|---|---|---|---|---|
20 | Female | $15 | $23 | $34 |
Male | $19 | $29 | $48 | |
30 | Female | $15 | $23 | $37 |
Male | $18 | $29 | $49 | |
40 | Female | $22 | $35 | $61 |
Male | $25 | $43 | $75 | |
50 | Female | $44 | $78 | $139 |
Male | $57 | $102 | $188 | |
60 | Female | $108 | $194 | $355 |
Male | $149 | $268 | $500 |
Methodology: Average monthly rates are calculated for male and female non-smokers in a Preferred health classification obtaining a 20-year $250,000, $500,000, or $1,000,000 term life insurance policy. Life insurance averages are based on a composite of policies offered by Policygenius from Brighthouse Financial, Corebridge Financial, Foresters Financial, Legal & General America, Lincoln Financial, Mutual of Omaha, Pacific Life, Protective, Prudential, Symetra, and Transamerica, and the Policygenius Life Insurance Price Index, which uses real-time data from leading life insurance companies to determine pricing trends. Rates may vary by insurer, term, coverage amount, health class, and state. Not all policies are available in all states. Rate illustration valid as of 09/01/2024.
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