As a self-employed in Missouri, you work hard to provide for your family. Make sure they're protected with the right life insurance coverage — at a rate that fits your budget.
As a self-employed, your family depends on your income. Life insurance ensures they can maintain their lifestyle, pay the mortgage, and achieve their goals — even if something happens to you. The right coverage provides peace of mind so you can focus on your work.
Most financial experts recommend 10-12 times your annual income as a starting point. But you should also consider your mortgage balance, other debts, your spouse's income, future expenses like college tuition, and how long your family would need support. I can help you calculate the right amount.
As an independent broker, I work with 15+ A-rated carriers to find you the best coverage at the best price. Options include:
I specialize in finding coverage for Missouri self-employed. Whether you work in an office or in the field, whether your job is considered standard risk or high risk — there's a policy that fits your needs and budget. As an independent broker, I shop multiple carriers to find your best option.
— Russell Powers, Oak Harbor Finance
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No obligation. No health exam required for many policies.
Common Questions
The best type depends on your specific situation. Term life insurance is often ideal for self-employed who want affordable coverage during their working years. Whole life provides permanent protection with cash value. As an independent broker, I can help you compare options from 15+ carriers to find your best fit.
Rates vary based on age, health, coverage amount, and policy type. A healthy 35-year-old self-employed can typically get $500,000 in term coverage for $25-40/month. High-risk professions may pay more, but I work with carriers that specialize in different occupations to find competitive rates.
While self-employed don't necessarily need specialized policies, some carriers offer better rates or more favorable underwriting for certain occupations. As an independent broker, I know which carriers are most competitive for your profession.
Yes, coverage is available for high-risk occupations, though rates may be higher. Some carriers specialize in specific industries and offer more competitive rates. I work with multiple carriers to find the best option for your situation.
Employer-provided life insurance is a nice benefit, but it's often not enough (typically 1-2x salary) and it doesn't follow you if you change jobs. An individual policy provides coverage you control, regardless of employment changes.
Start with our free 3-minute eligibility check. I'll review your situation, compare quotes from multiple carriers, and help you find the best coverage at the best price. There's no obligation and no pressure.