Life & Health

Protect your family and your future with the right personal, health and life insurance

 

Planning to keep your family secure – today, tomorrow, and down the road? The right personal, life, and health coverage is essential.

 

Smart Insurance is an independent insurance agency – meaning we do business with multiple insurance companies and compare protection and prices to find the best value for you. As your local agent, we understand the details of planning needed in Missouri, and we’re committed to being your advocate in times of need.

 

 

Insurance protection for your family 

 

  • Health Insurance – Enjoy peace-of-mind with quality health insurance coverage that you can count on.  We can provide a variety of plans for you, your family, your children and your employees. With our expert guidance, we can help you find the right plan that fits your life and your budget.

 

  • Term Life Insurance – Term life insurance provides protection for a specified period of time. If you do not currently have life insurance, term can be a good place to start. It’s generally less expensive than permanent (whole) life insurance, and is available in varying time periods with fixed premiums from a one year (annual renewable term) to 30-year (level term) period. Furthermore, term life insurance is sometimes convertible to permanent coverage, providing you with flexibility as your needs change.

 

  • Whole Life Insurance – Whole life insurance is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Whole life insurance can be an investment opportunity, as many whole life insurance policies also build cash value over time.