Life & disability insurance · Des Moines, IA (Polk County)
Final Expense & Senior Legacy in Des Moines, Iowa
14.1% of Des Moines residents are 65 or older, about 29,900 people, below the U.S. average of 17.7%. Simplified and guaranteed-issue whole life options designed to help cover funeral, cremation, and final medical bills — often with no medical exam. Olive, a licensed agent with Manna Financial Services, helps Des Moines, IA households compare final expense insurance by phone or video, and the first conversation is free.
What matters for final expense insurance in Des Moines
14.1% of Des Moines residents are 65 or older. Final expense policies are small whole life policies, often with health questions instead of a medical exam, so they are designed for this age group. Rates and limits vary a lot between insurers, which is why we compare several.
Des Moines by the numbers
- 14.1% of Des Moines residents are 65 or older, about 29,900 people, below the U.S. average of 17.7%.
- 5.6% of adults in Des Moines are veterans, about the same as the U.S. share of 6.1%.
- The median household income in Des Moines is $63,968, below the U.S. average of $78,538.
- About 24,600 Des Moines residents are between 55 and 64, the group that will reach Medicare age over the next ten years.
Des Moines and nearby communities
| Place | 65 or older | Median household income | Median age |
|---|---|---|---|
| Des Moines | 14.1% | $63,968 | 35.1 |
| Chicago | 14.1% | $75,134 | 35.8 |
| Indianapolis | 13.5% | $62,911 | 34.7 |
| Detroit | 15.1% | $39,575 | 35.2 |
| U.S. | 17.7% | $78,538 | 39.1 |
Sources: U.S. Census Bureau, American Community Survey 2019–2023 5-year estimates.
How we help with final expense insurance
- Common face amounts from about $5,000 to $50,000 depending on carrier
- Simplified underwriting — often a health questionnaire instead of an exam
- Guaranteed-issue options for applicants with certain health histories
- Level premiums and permanent coverage once issued and kept in force
Rules that apply in Iowa
- Life insurance in Iowa is issued by state-licensed insurance companies, and contractual guarantees are backed by the issuing carrier.
- Death benefits paid to a named beneficiary are generally free of federal income tax and usually pass outside probate.
- Your price depends on age, health, tobacco use, coverage amount and term; the insurance company sets the final rate after underwriting.
Questions from Des Moines
Can I qualify if I have diabetes or high blood pressure?
Many simplified-issue programs consider controlled diabetes, hypertension, and other common conditions. Eligibility and rates depend on the carrier’s guidelines.
Is it worth getting a quote if I live in Des Moines?
Life insurance prices depend on your age, health and the coverage you choose, not your city, so a Des Moines resident generally pays the same rate as anyone else in Iowa with the same profile. You can compare prices online in a few minutes on our quote page.
Do I need to visit an office in Des Moines?
No. Olive works with Des Moines and Polk County households by phone or video, so you can compare options from home. Most applications and signatures can be completed online.
Talk with Olive about final expense insurance.
Free, no obligation, by phone or video. Or call or text (937) 388-5346.