Kansas City Life Insurance Company Review

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Perform a simple search for the best life insurance carrier and the results include hundreds of companies.

With so many companies currently operating, finding the right life insurance company for you can be a difficult proposition.

In fact, simply weeding through the lackluster companies and sorting out the top-rated providers is an exercise in patience in and of itself.

That’s where our review of Kansas City Life Insurance Company enters the picture. It offers an honest, clear look at how this provider stacks up against the competition.

Use our Kansas City Life Insurance Company review to get a better idea of what this company is all about.

Our Kansas City Life Insurance Company Review

kansas city life insurance company logoThere are three main things you need to know about Kansas City Life:

  • Established 1895
  • Stellar financial strength ratings
  • Wide range of plans

The reason we highlight the year Kansas City Life was established is because it’s a great mark of reputability.

The company has maintained an outstanding track record since its birth more than 120 year ago. Thousands of happy customers have great things to say about Kansas City Life.

Another factor in reputability is the ability to pay out claims without batting an eyelash. It takes a financially strong company to do it.

Kansas City Life’s great financial strength ratings give you the confidence they’ll pay out your claim in full as contracted.

A.M. Best, one of the top financial strength rating agencies, gives Kansas City Life Insurance Company an “A” rating, one of their highest.

Sure, it’s just a simple letter rating from a third-party organization, but ratings from A.M. Best traditionally carry the most weight among the other credit rating agencies.

What Kansas City Life is All About

Kansas City Life has an established track record as one of the oldest life insurance companies in the game.

They got their start all the way back in Kansas City in 1895. From these humble beginnings, they’ve grown into one of the premier life insurance companies today.

Kansas City Life went from offering life insurance coverage in just one state (Missouri) to 48 states plus Washington D.C.

One thing which has been clear all these years is Kansas City Life’s commitment to offering the best plan for each person’s individual needs and preferences.

The variety of plans they offer is a testament to this fact. They offer just as wide a range of coverage types as any other provider on the market.

Chief among these plan types are:

  • Term Life Insurance
  • Universal Life Insurance
  • Indexed Universal Life Insurance
  • Variable Universal Life Insurance
  • Whole Life Insurance

Kansas City Life also provides a wide variety of additional features including riders and annuities (we discuss these in greater detail below).

What Makes Kansas City Life Unique?

Kansas City Life isn’t really unique, to be honest; no special products, no special pitches.

Rather than try to come up with some gimmick or factor which makes them unique, the company sticks to the basics – and does them very well.

Kansas City Life Insurance Company puts an emphasis on products and quality. In addition to the wide range of products they offer, they also provide a guarantee each policy issued will be around when it comes time to collect the death benefit.

In addition to a great history of fulfilling claims on time and in full, Kansas City Life also boasts an “A” rating from A.M. Best for their financial rating.

Beyond these factors, what makes Kansas City life most unique is their commitment to customer service.

Unlike some providers who seemingly sign you up for coverage and then leave you hanging, Kansas City Life is here to take care of all your needs.

Whenever you have a question or concern, just call or email the support team at Kansas City Life for more information. They’re easy to get ahold of, answer questions quickly and are friendly to talk to.

The Application Process

Applying for life insurance from Kansas City Life is straightforward thanks to their simplified application.

It’s nothing flashy. Instead, it’s just a basic application you fill out with your personal information and then send it to the company.

Filling out the application takes less than one half hour. After sending it in, you can expect to wait the traditional 4 to 6 weeks to hear a response.

During this time, a team of underwriters at Kansas City Life review your application to assess your overall risk.

This assessment is then used to give you your coverage rating which dictates what type of premiums you pay and what type of policy you’ll receive.

Note, a medical exam is required from most applicants. The results of the exam are used by the underwriters to guarantee you have no hidden medical risks which might impact Kansas City Life insuring you.

Additional Features

As mentioned above, Kansas City Life has options for term life insurance, universal life insurance, indexed universal life insurance, variable universal life insurance, and whole life insurance.

These coverage types come with a whole host of additional features. Chief among these additional products and features are:

  • Life insurance riders
  • Fixed annuities
  • Variable annuities

Look into incorporating these additional items into your plan for the best coverage tailored specifically to you.

What We Like About Kansas City Life

There’s a lot to love about Kansas City Life. Take a look at the top benefits of this company to see if they’re right for you.

The top benefits include:

  • History in industry
  • Stellar reputation
  • Strong financial ratings
  • Variety of plans
  • Great customer service

These benefits are great alone, but even better taken all as one.

What We Don’t Like About Kansas City Life

Honestly, there’s little to nothing to dislike about Kansas City Life.

Perhaps the only thing we can think of is you might not be happy with the types of plans they specifically offer.

This is no fault of theirs though. It simply means you might be better off looking for coverage from a different provider.

Life insurance is naturally a very personal experience and not one company can provide for absolutely everyone’s needs (though Kansas City Life certainly tries).

Who is Kansas City Life Best for?

Thanks to the large variety of plan types and additional features Kansas City Life offers their coverage is best for most people.

Almost anyone will find a plan type they desire from Kansas City Life. In addition to traditional coverage types, they also offer a variety of life insurance alternatives for those who want no medical coverage.

Kansas City Life Customer Service

The customer service at Kansas City Life is top notch.

In addition to making it easy to contact them, Kansas City Life focuses on providing a stellar customer service experience from beginning to end. Call the support line and you’ll quickly be connected with a live representative. All representatives know exactly what they’re talking about.

They’ll be able to answer your questions quickly and professionally without transferring you around in endless circles.

We wish all life insurance providers would adopt the same level of customer support Kansas City Life currently offers.

The Verdict

How does Kansas City Life Insurance Company stack up against the competition?

Very well. There’s nothing which holds them back from the competition. They offer great products, quality, and service. They have few areas to improve on, like pricing and state availability.

Though they’re not right for everyone, we think you’ll be more than happy with one of Kansas City Life’s various life insurance plans.

Kansas City Life Insurance Company Review

Website
kclife.com
Phone
(800) 821-6164
Address
P.O. Box 219139
Kansas City, MO 64121

Company Name (and subsidiaries)

  • Old American Insurance Company
  • Sunset Financial Services
  • Sunset Life Insurance Company of America

Author:

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Jason Fisher

Jason Fisher is the founder and CEO of BestLifeRates.org, LLC. and a multi-state licensed life insurance agent who has helped over a million Americans seek out affordable coverage, compare quotes, or get their family and businesses covered.