Life insurance by state · WY
Life insurance in Wyoming
What Wyoming law gives you, which carriers quote in Wyoming, and how to get covered — from an independent agency licensed in Wyoming.
The short answer
Wyoming residents can choose from 10 final expense and 15 term life carriers we work with that quote in Wyoming. The state guaranty association backs life insurance death benefits up to $300,000.
Your protections in Wyoming
| Regulator | Wyoming Department of Insurance |
|---|---|
| Free-look period | No general state-mandated period — many policies include one; check page one · 30 days for replacement policies (Wyoming Insurance Rules ch. 12 § 7(d); § 8 for direct-response sales) |
| Guaranty association | Wyoming 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 Wyoming
- Wyoming insurers must accept or reject and pay life insurance claims within 45 days after receiving proof of loss (W.S. 26-15-124(a)), and death benefits must include interest from the date of death at no less than the rate the insurer pays on proceeds left on deposit (W.S. 26-16-112(b)). Source
- The Wyoming Department of Insurance licenses sellers of prepaid or prearranged funeral contracts and supervises and audits the funds (W.S. 26-32-101). Source
Carriers we work with that quote in Wyoming
Final expense / burial: Aetna · American Amicable · American Home Life · Americo · 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 Wyoming results (September 2026). Product availability and rules vary by carrier and change over time.
How to get covered in Wyoming
- 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 Wyoming 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 Wyoming. 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 Wyoming — FAQ
What happens to my life insurance if the company fails in Wyoming?
The Wyoming Life & Health Insurance Guaranty Association protects Wyoming 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 Wyoming?
The Wyoming Department of Insurance. You can verify an agent’s license or file a complaint with them.
Can I buy life insurance in Wyoming by phone?
Yes. United Eagles Financial is licensed for life insurance in Wyoming; most applications are done by phone or video with an electronic signature.