Life insurance by state · KS
Life insurance in Kansas
What Kansas law gives you, which carriers quote in Kansas, and how to get covered — from an independent agency licensed in Kansas.
The short answer
Kansas residents can choose from 11 final expense and 15 term life carriers we work with that quote in Kansas. New policies typically come with a 10-day free look, and the state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Kansas
| Regulator | Kansas Department of Insurance |
|---|---|
| Free-look period | Typically at least 10 days · 20 days for replacement policies: if the replacing insurer issues immediately, it must give an unconditional refund of all premiums within 20 days after delivery (otherwise it must delay issue 20 days) (K.A.R. 40-2-12) |
| Guaranty association | Kansas Life & Health Insurance Guaranty Association: up to $300,000 death benefit, $100,000 cash value (overall per-person cap applies) |
| Community property state | No |
| State estate / inheritance tax | Estate tax: no · Inheritance tax: no |
Good to know in Kansas
- A Kansas life insurer that does not pay death proceeds within 10 days after receiving due proof of death must pay interest from the date of receipt, at no less than its current rate on proceeds left on deposit plus 1% (K.S.A. 40-447). Source
- When life insurance or an annuity is sold in Kansas to fund a preneed funeral contract, the buyer must be told before the first premium is accepted that a policy is being used, what goods and services are covered, whether the price is guaranteed, and what happens if the proceeds differ from the funeral cost (K.A.R. 40-2-23). Source
Carriers we work with that quote in Kansas
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · Fidelity · Foresters · Mutual of Omaha · NewBridge · Royal Neighbors · Transamerica · UHL
Term life: American Amicable · Americo · Catholic Financial · Foresters · InstaBrain · John Hancock · Kansas City Life · Mutual of Omaha · National Life Group · Primerica · Protective · Royal Neighbors · SBLI · Transamerica · UHL
From our quoting system’s Kansas results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Kansas
- Figure out how much you need — final expense calculator or mortgage protection calculator.
- See typical prices by age — life insurance cost by age.
- Tell us your health history — we match you to the Kansas carrier most likely to approve you at the best price (condition guides).
- Apply by phone with an e-signature — many decisions are instant or same-day.
Licensed in Kansas. Compare dozens of carriers in one free call — no pressure.
Get my quotes → Call 586-343-1505Sources: Regulator · Guaranty association · Free-look rule · Estate/inheritance tax
Straight answers
Life insurance in Kansas — FAQ
How long is the free-look period for life insurance in Kansas?
New individual life insurance policies sold in Kansas typically give you at least 10 days to review the policy and cancel for a full refund (20 days for replacement policies: if the replacing insurer issues immediately, it must give an unconditional refund of all premiums within 20 days after delivery (otherwise it must delay issue 20 days) (K.A.R. 40-2-12)). The exact window is printed on your policy’s first page.
What happens to my life insurance if the company fails in Kansas?
The Kansas Life & Health Insurance Guaranty Association protects Kansas residents up to $300,000 in life insurance death benefits and $100,000 in cash value, subject to an overall per-person cap. It’s a backstop — choosing a financially strong carrier still matters.
Who regulates life insurance in Kansas?
The Kansas Department of Insurance. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Kansas by phone?
Yes. United Eagles Financial is licensed for life insurance in Kansas; most applications are done by phone or video with an electronic signature.