Life Insurance in Iowa

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The mid-western state of Iowa is a rural state - most people live in cities with less than 3,000 inhabitants. The state is ranked 26th in the US in land area and 30th in population. Although the state's population is growing slowly, it has suffered from "rural flight" - inhabitants moving to states with more urban development.

Iowa is one of the most well educated states - with the third highest high-school graduation rate in the nation, and with students continually ranking in the Top 3 for ACT and SAT scores. Interestingly, Iowan teachers are ranked 42nd in the nation when it comes to their salaries.

Des Moines, Iowa, the state's capital and largest city, is a center for the insurance industry, competing with Hartford, CT for the title of insurance center of the world. The Principal Financial Group, the Meredith Corporation and Wellmark Blue Cross Blue Shield have their headquarters in this city.

Iowa Office Responsible for Life Insurance

Iowa's Insurance Division provides consumers with important resources such as how to find an insurance company in the state, how to verify that a company is properly licensed, and how to make complaints should the need exist.

If your insurance company goes out of business, you may still be able to get your policies paid, by contacting the Iowa Life & Health Insurance Guaranty Association, which was created by a statute in 1987. If a member company goes bankrupt, the association will meet its liabilities.

The legal statutes that regulate life insurance are defined in Iowa's Chapter 505. These regulations cover every step in the life insurance process.

Contacting the Iowa Insurance Division