Support for Your Family, Business, or Legacy
Life Insurance Options With Local Guidance and Honest Advice
Whether you’re starting a family, planning for the future, or protecting a business, life insurance helps make sure the people who count on you won’t be left unprepared. At Fortner Insurance, we help individuals and business owners throughout Springfield and across Missouri find life insurance policies that fit their needs, values, and budgets.
What we cover
Personal and Business Life Insurance in Missouri
Term Life Insurance
Affordable coverage for a set number of years, often used for income replacement or family protection.
Whole Life Insurance
Permanent protection with a cash value component; builds equity over time and lasts a lifetime.
Universal Life Insurance
Flexible premium life insurance with long-term protection and investment features.
Final Expense Coverage
Designed to cover funeral costs and small debts, so loved ones aren’t left with the burden.
Key Person Life Insurance
Business policy that protects your company if a key employee, owner, or leader passes away.
Buy-Sell Agreement Funding
Life insurance policies that support smooth business transitions and ownership changes.
Personal Policy Reviews
Already have a policy? We’ll review it to make sure it still meets your goals.
Why Choose Fortner for Life Insurance
Personal Guidance. Local Agents. No Pressure.
We Make It Make Sense
Life insurance can feel complicated. We walk you through it in plain English, and help you choose confidently.
We’re Independent
We shop multiple carriers to find the right plan for your situation, not someone else’s sales quota.
We’re Here for the Long Haul
As your needs change, we’ll be here to help you review and adjust your policy, just like we’ve done for families across Missouri.
Life Insurance FAQs
What Springfield Families and Business Owners Ask Most
How much life insurance do I need?
It depends on your income, debts, family situation, and goals. We’ll help you run the numbers.
What’s the difference between term and whole life insurance?
Term life covers a set period (like 20 years); whole life lasts your entire life and builds cash value.
Is life insurance taxable in Missouri?
Generally, the death benefit is tax-free. However, policies with investment features may have different tax considerations.
Can I use life insurance for business planning?
Yes. Life insurance can fund buy-sell agreements or protect your business if a key partner passes away.
Do I need a medical exam to get life insurance?
Some policies require an exam, others don’t. We’ll help you find a plan that fits your health history and timeline.