Life Insurance in Saint Peters, MO in Saint Peters and O'Fallon, MO and surrounding areas
At Risinger Insurance Agency, we understand the importance of protecting your loved ones, even when you are no longer here. That is why we offer comprehensive life insurance packages to ensure the security of your assets and to give your family peace of mind.
As an independent agency, we have access to over 20 markets, life insurers, and many medical underwriters. We have formed partnerships with some of the nation’s top insurance providers including TransAmerica, Prudential, and Principal Life. This gives us the ability to provide coverage options and competitive rates.
Life Insurance Coverage Details
We take the time to meet with every client and understand their needs. Our agency specializes in mortgage coverage protection and we monitor specific variables so that we are proactive in seeking lower rates. Our markets are also able to write coverage that many insurers will not. For example, if you smoke cigars, a pipe, or chew tobacco but have not smoked cigarettes within the last 12 months, we can issue you a non-smoker rate whereas most companies require you to have been totally tobacco free for 3 to 5 years.
Also, height and weight charts for life insurance companies are not all created equal. For your particular height and weight, you may be a non-standard risk with one insurer but standard with another. resulting in a much lower rate. This emphasizes the importance of using an independent agent that will look at several insurers for you, not just one.
Our life insurance coverage options include:
- Individual Life Insurance
- Mortgage Protection Insurance
- Second-To-Die Policy
- Key Person (Key Men) Insurance
What you can expect from us
Our team of agents take the time to complete a financial analysis, find out what your debts are including mortgage, car payments, and student loans, and complete a risk evaluation using comparative rating software that allows us to see multiple markets at once. We take that data to find the right provider.