LIFE INSURANCE IN IOWA

Iowa Life Insurance
Coverage

Iowa families face some of the highest funeral costs in the Midwest, making final expense coverage a wise investment for residents across the state.

High Funeral Costs Strong Agricultural Economy 25+ Carriers Available
$9,500
Average Funeral Cost
$210K
Median Home Price
5%
Residents Uninsured
25+
Carriers Available

COVERAGE IN THE HAWKEYE STATE

Life Insurance in Iowa

Iowa is home to over 3.2 million residents, with major cities including Des Moines, Cedar Rapids, and Davenport. With a median household income around $65,000 and a homeownership rate above 70%, many Iowa families carry mortgage obligations and want to protect their loved ones from financial hardship.

The average funeral and burial cost in Iowa is approximately $9,500. Without proper coverage, these costs fall directly on surviving family members. Final expense insurance provides a straightforward way to ensure your family is never left with that burden.

Iowa's high homeownership rate and tight-knit communities mean families want to make sure their loved ones are protected. Funeral costs averaging $9,500 in Iowa are among the highest in the Midwest, which makes final expense insurance especially important for families who want to plan ahead.

COST COMPARISON

How Iowa Compares to National Averages

Average Funeral Cost
National
$8,300
Iowa
$9,500
Median Home Price
National
$420,000
Iowa
$210,000
Avg. Monthly Life Insurance Premium
National
$50
Iowa
$47

OUR CARRIER PARTNERS

Top Carriers in Iowa

Asurgo works with 25+ top-rated insurance carriers to find you the best coverage at the lowest rate. Here are some of the carriers available to Iowa residents.

Transamerica Mutual of Omaha AIG Aetna Americo Foresters Financial F&G National Life Group Royal Neighbors Gerber Life Lafayette Life Aflac

Carrier availability varies by individual health factors and coverage type.

FREQUENTLY ASKED QUESTIONS

Iowa Life Insurance FAQ

How much does final expense insurance cost in Iowa?
Most Iowa residents pay between $25 and $70 per month for final expense insurance, depending on age, health, and coverage amount. Policies typically range from $5,000 to $50,000. Asurgo shops 25+ carriers to find the lowest rate for your situation.
Do I need a medical exam for life insurance in Iowa?
Not always. Many final expense and mortgage protection plans require no medical exam. You answer a few health questions, and coverage can be approved the same day. Larger policies may require underwriting.
What is the average funeral cost in Iowa?
The average funeral and burial cost in Iowa is approximately $9,500, which includes the service, casket, burial plot, and headstone. Costs can vary significantly depending on the city and type of service chosen.
Does Asurgo offer mortgage protection in Iowa?
Yes. Asurgo offers mortgage protection insurance in Iowa through multiple carriers. Coverage is designed to pay off or reduce your mortgage balance if you pass away, become disabled, or are diagnosed with a critical illness.
Why are Iowa funeral costs above the national average?
Iowa funeral costs average approximately $9,500, reflecting higher service and burial costs in the state. Final expense insurance from $5,000 to $50,000 can help ensure these costs are fully covered, regardless of where in Iowa you live.

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