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Individual Life Insurance in Ballwin MO & Ellisville MO

Reassurance for you and your Loved Ones.

Redel Insurance Agency, Inc. provides life insurance to individuals in Ballwin, Ellisville, Chesterfield, St. Charles, Eureka, Wildwood, and surrounding areas.

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At Redel Insurance Agency, Inc., we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve. 

Types of Individual Life Insurance

Redel Insurance Agency, Inc. offers several different coverage options for your consideration including term life, whole life, and more.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
  • Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Redel Insurance Agency, Inc. is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with Redel Insurance Agency, Inc. will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

Redel Insurance Agency, Inc.

174 Clarkson Rd., Ste. 150
Ballwin, MO 63011
Main office: 636-394-7676
Toll free: 888-394-7676
Fax: 636-227-7035

Our Providers

Testimonials

Thank you all, you guys have been wonderful over the years. Looking forward to many more years of coverage!

Ann C.
Lora Ruck feels more like a friend than an insurance agent. Unfortunately we have had to make a few claims over the years on our home and auto and she has always been there. Days, nights, weekends it doesn't matter she has always been there when we needed her. She does an amazing job of explaining things thoroughly and in terms we can understand. She really goes above and beyond what is expected of her. When we have been going through some pretty awful times she has not only made sure that things got done but also been extremely kind and compassionate. We feel lucky she is our agent. We have and will continue to recommend her to anyone!

Kelly B.
Thank you Aimee! What would we do without Redel Insurance Agency and our best’es most favorite helper there. (Roger will be jealous) Tell Roger it’s his fault that he keeps hiring such professional people as YOU!

Ricky D.
Great experience yesterday. I had a rock chip my new car windshield and within 1 hr the problem solved thanks to Lora Ruck and Spencer Glass. It was a bad situation made good. Keep up the good service. This has not been may only good experience. I feel Lora has a great way of communicating what insurance her client needs and explains why you need the coverage. Many years of feeling confident that I have the right insurance. Thank you.

Judith B
Your company has always responded to my needs quickly and accurately. Thanks!!

Anonymous
Lora, Just wanted to thank you for all your help due to my accident on October 25th. With your insurance insight, I feel your advice on my insurance needs were right on! I could not ask for a better agent!! Last night I was able to pick up the Camry!! She looks great and it was really nice to get ‘her’ back!!

L T
Just can't say enough good things about Redel Insurance. My agent Lora Ruck just helped me with an issue in Florida that she did not have to do as she was not making a dime on it but she cleared the problem up by working with a local agent. That's great service. Thanks Lora !!

Paige P.
You made it go so well. Roger, I wish to thank you for guiding me through the proceedure of my encounter with the deer and damage to my car. I anticipated confusion but you explained my insurance coverage, then gave me the insurance company's number, which option to punch and how it would be handled. By the afternoon I already had an appointment for the car to be repaired. The whole proceedure realy went smoothly. You made it go so well. Thank you Roger

George G.
I have my auto and renters insurance through Redel and I cannot say enough positive things about your business. Any time I’ve had a question, it has always been answered on the same day or very soon, thereafter. Everyone has been extremely pleasant and efficient. I don’t know of any other type of business that I have had that has been such a pleasure as dealing with Redel. You guys and gals could start your own ‘business etiquette’ business and change a lot of companies.

Stephanie F.
Dear Roger, Just wanted to let you know how happy I am with the service I have received from you and your agency for the insurance claims I made last year. First a new windshield for my car, then storm damage on my roof and then I wrecked my car. All taken care of by a simple call to you. The settlement were made quickly and what could have been a stressful year turned out not bad at all.

Rose K.
Thank you for taking care of the contractor colleague I referred to your office. He is very happy. I will keep spreading the word of your service.

Rick B.
Thanks for your thorough e-mails and your calls. I’ve been horrible about returning your calls and yet you still got to me with the information I needed to make a decision. All I can say is “excellent job” and “excellent service.” Thanks for your help on this. You guys make things easy for me, which I appreciate.

Pete D.
Every member of the Redel Insurance Agency has been very helpful and has gone well beyond the call of duty to assist in any matter. Thank you.

Hazel S.
Lora Ruck is my local agent and she was amazing throughout the entire process. She was available any time I needed, she was supportive and a tremendous help. She was the person that guided me and got me in touch with anyone who I needed to speak with. She frequently contacted me to update me and inquired if I needed help. She also followed up all the time to make sure everything was going smoothly. Lora truly treated me as she would a family member or good friend. I would highly recommend her to all my friends (and I will).

Marcia F.