✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Life Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Protect the People Who Depend on You.

Life Insurance from Brawner Insurance protects your family financially when you cannot. We help individuals and families across Missouri, Iowa, Kansas, and Illinois find affordable term, whole, universal, and final expense life insurance from multiple top carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Family ProtectionTerm, whole, universal & final expense
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why You Need Life Insurance

If something happened to you tomorrow, would your family be financially secure? Could they pay the mortgage, keep up with bills, save for college, and maintain their standard of living? Life insurance provides the financial protection that ensures your loved ones can continue forward without financial hardship.

As an independent insurance agency since 1992, Brawner Insurance helps families calculate coverage needs, compare term vs permanent options, and shop multiple top carriers to find the most affordable life insurance. We make life insurance simple and accessible for every budget.

MPCI crop coverage
Tax-Freedeath benefit paid to your beneficiaries
10-15xannual income typical coverage recommendation
Multi-Carrierindependent agency comparing top life insurers

From young families to retirees, business owners to single parents, Brawner Insurance helps people across the Midwest protect their loved ones with affordable life insurance. Independent agency advantage means we shop multiple carriers for the best rates.

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Protect your family with life insurance.

We will calculate your coverage needs, compare quotes from multiple top carriers, and help you find affordable life insurance — at no cost to you.

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660-665-1687  ·  660-754-1000

Coverage Options

Life Insurance Through Brawner

Life insurance comes in many forms — term, whole, universal, and final expense. Here is what we help families put in place.

Yield Protection

Term Life Insurance

Affordable life insurance for a specific period — typically 10, 20, or 30 years. Term life is the most cost-effective way to protect your family during your working years and major financial obligations.

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Revenue Protection

Whole Life Insurance

Permanent life insurance that lasts your entire life — building cash value over time that you can borrow against. Whole life provides lifelong protection plus a savings component.

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RP-HPE coverage

Universal Life Insurance

Flexible permanent life insurance that lets you adjust premiums and death benefits over time as your needs change — combining lifelong coverage with investment flexibility.

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Area Risk Protection

Final Expense Insurance

Smaller permanent policies designed to cover funeral costs, medical bills, and final expenses — typically $5,000-$25,000 in coverage with simplified underwriting and guaranteed acceptance options.

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Supplemental Coverage Option

Family & Estate Planning

Life insurance is a key component of estate planning — providing tax-free death benefits to beneficiaries, paying estate taxes, and ensuring your family's financial security for generations.

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Every Operation Is Different

Build your policy.

We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.

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Your Options

Term vs. Whole Life — Which Fits You?

The two main types of life insurance serve very different purposes. Most families need one or the other — sometimes both.

Option 1

Term Life Insurance

  • Coverage for a set period (10, 15, 20, 30 years)
  • Lowest premium per dollar of coverage
  • Pure death benefit — no cash value
  • Ideal for income replacement during working years
  • Can often be converted to permanent later
  • Simple to understand and compare

Best for: families with mortgages, young children, or temporary income replacement needs.

Option 2

Whole Life Insurance

  • Coverage lasts your entire lifetime
  • Builds cash value you can borrow against
  • Fixed premium that never increases
  • Useful for estate planning and wealth transfer
  • Higher premium than term coverage
  • Part insurance, part long-term savings vehicle

Best for: estate planning, final expenses, and lifelong coverage needs.

Not sure which type of life insurance fits your family? We will review your goals and recommend the right combination.

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Not sure which path is right for you?

We will review your family, goals, and budget to recommend the right life insurance policy.

Get a Free Life Insurance Review →

660-665-1687  ·  660-754-1000

Key Moments

When to Review Your Life Insurance

Life insurance needs change dramatically with life events. Here are the moments to review.

Marriage or Partnership

Tying your financial life to another person is the moment to review life insurance. Coverage should protect your partner from financial hardship.

New Child

Each new child adds roughly 18 years of financial responsibility. Life insurance amounts should grow with your family.

Buying a Home

A mortgage is a long-term financial commitment. Life insurance should cover the balance so your family can stay in the home.

Major Income Change

A promotion or new income level means your family depends on more income. Update coverage to match your real earning power.

Planning Tip: Life insurance is priced based on age and health — buying when you are young and healthy locks in the best rates for decades.

Our Process

How We Help You Protect Your Family

1

Review Your Situation

We learn about your needs, current coverage, and priorities so we can recommend the right life insurance policy.

2

Compare Carriers

We shop your life insurance across top carriers to find competitive pricing and the right fit.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no jargon.

4

Set Up and Support

We handle the binding, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

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Getting Started

How Life Coverage Works

1

Free Consultation

We start by understanding your situation, needs, and budget so we can recommend the right life policy for you.

2

Plan Comparison

We compare life policies from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Clients Across Missouri, Iowa, Kansas & Illinois

See why families across the Midwest trust Brawner Insurance for life coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

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Common Questions

Life Insurance FAQ

How much life insurance do I need?

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Most families need 10-15 times their annual income, plus enough to cover mortgage, debts, and future education costs. Brawner Insurance runs the numbers for your specific situation and goals.

What is the difference between term and whole life?

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Term covers a set period at a low premium with no cash value. Whole life covers your entire lifetime with a higher premium and cash value accumulation. Brawner Insurance helps you pick the right fit.

How much does life insurance cost?

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Premiums depend on age, health, coverage amount, and policy type. Term insurance is the most affordable option for most families. Brawner Insurance shops multiple carriers to find competitive rates.

Do I need a medical exam?

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It depends on the policy and coverage amount. Many modern term policies use no-exam underwriting with quick approvals. Brawner Insurance can find you a no-exam option if that fits your situation.

Can I convert term to whole life later?

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Many term policies include a conversion option that lets you switch to permanent coverage without new health underwriting. Brawner Insurance helps you choose policies with strong conversion features.

Can Brawner Insurance help me find the right life insurance policy?

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Yes — as an independent insurance agency, Brawner Insurance shops your life insurance coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.

Protect your family with real coverage.

Brawner Insurance helps families across the Midwest find the right life insurance — term, whole life, and everything in between — with unbiased advice from independent agents.

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660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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