Life Insurance The Value of Life Insurance Life insurance is a crucial step in planning for your future and the future of your loved ones.  It can fulfill promises made to your family if you are no longer around by providing a death benefit to your beneficiaries in return for premiums paid to the insurance company.  Life insurance can also provide benefits while you are living. 
        Advantages of the Death Benefit
                •Provides income tax-free money to your named beneficiary(s) that can be used to pay funeral expenses, debt, tuition, estate
                taxes or virtually any financial need you leave behind.
                •Can provide business security by enablng partners to buy out the interests of a deceased partner and prevent a forced liquidation.
       Advantages of Living Benefits
                •The cash value growth of a permanent life insurance policy is tax-deferred1, which means you do not pay 
                taxes on the growth of the cash value unless the money is withdrawn.  
                •Loans2 or withdrawals can be taken against the cash value of a permanent life insurance policy to help with 
                expenses, such as college tuition or the down payment on a home.

1Accumulated growth may be taxable upon withdrawal.  If the policy is a Modified Endowment Contract(MEC), tax penalties may apply prior to age 59 1/2.  Consult a tax advisor on your specific situation.   2Policy loans and withdrawal reduce cash value and the death benefit may be subject to other charges outlined in the contract

Assessing Your Need
The amount of life insurance you select should be dependent on your personal and financial needs.   We can assist you in determining an appropriate coverage amount and help you decide on which type of life insurance is right for you.

Why should you buy from an Independent Agent?

What we do

As an independent agent, we don't work for a single insurance company, WE WORK FOR YOU.   Unlike "captive" agents that can only represent one company, we're able to work with many of the strongest and most respected insurance companies in the world.  You'll have access to high quality products from companies that have outstanding reputations for fast and fair claims service.

Why Choose Us?

Our accomplished staff are licensed in Kansas and Missouri and have many years of experience and individually hold a number of professional designations.  Our most important goal at I.M.C. is to help our clients get the finest insurance coverage possible at the most competitive prices, while providing "personalized" service.

Our Process

We will personally work with you to ensure you are getting the best protection at the least expensive price.  At absolutely NO COST to you, we can provide a complete analysis of your insurance needs.  Then we will assist you in selecting the products/companies that best meets your specific situation.   Unlike other independent agents, we will never "charge" you for any of our services.