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Individual Life Insurance in Grinnell IA & Newton IA

Reassurance for you and your Loved Ones.

Ramsey-Weeks, Inc. provides life insurance to individuals in Grinnell, Newton, Montezuma, Gillman, Lynnville, Brooklyn, 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 Ramsey-Weeks, 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

Ramsey-Weeks, 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. 

Ramsey-Weeks, 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 Ramsey-Weeks, 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

Ramsey-Weeks, Inc.

715 5th Ave
Grinnell, IA 50112
Main office: 641-236-3141
Fax: 641-236-6689

Our Providers

Testimonials

My expectation is to have an agent that cares about me and my family and wants to be sure I have the right insurance, at the right time, for the right reasons and at the right cost. Darcy has exceeded these expectations time and time again!

Todd L - President and CEO of the Grinnell Regional Medical Center
You always hear commercials about buy local. I can't even imagine going through what I did without Ramsey-Weeks. Darcy Swick and Cindy Pollock were there the majority of the day. It's really hard to even dwell on that day, but what would I have done? How would I have dealt with all this? I am forever grateful for everything they have done for me. You cannot ask for better service than with Ramsey-Weeks.

Sherry B
Claim service you can count on... When we looked at the storm damage, one thing that never crossed our minds was to worry about insurance. We knew that our friends at Ramsey-Weeks had set us up with appropriate coverage and that they would go to bat for us personally if things got rough. We can truly say we have had a very positive experience with Ramsey-Weeks and Allied Insurance.

Neal And Barb Van E
The day that the hail storm hit Grinnell in early April 2010 was the day that we brought our infant daughter Reese home from the hospital. We spent her first night at home, along with her 2-year-old and 4-year-old brothers, with no power. The next day Paul Pohlsen called my husband, JT, and said that he had alerted West Bend that we would have a claim, and that we should be hearing from an agent soon. We had phone calls within 24 hours regarding the damage to our home and vehicles, and we had an adjuster here within days. Paul Pohlson, Darcy Swick, and the employees at Ramsey Weeks were incredibly helpful. As young homeowners - we had never experienced the claim process before. Ramsey Weeks and West Bend worked collaboratively to meet our needs - and we came out of the situation with our home completely restored. Thank you to all who worked so hard to serve this community during that time.

JT and Tara A
We have been very pleased with the service we’ve received since we started working with Ramsey-Weeks for our home and auto insurance. It has been extremely helpful to have someone right here in Grinnell readily available to answer questions and assure us things are being handled correctly. We know Darcy cares about us as a family and will do all she can to watch out for our best interests.

Levi and Julie D
Not to long ago I switched agencies after a number of unpleasant experiences with another agent. The other agent disappeared whenever I needed to ask questions about a possible claim. Paul Pohlson was busy with a number of claims during the backup of sewer in Grinnell. He made time for me to talk to me and go through the process.

Tom S
Kevin Kolbe is the utmost professional. We learned we could depend completely on Kevin’s years of experience and totally honest advice. He knew just how to price and market our house for Grinnell. He patiently answered all our questions about the selling process and made our experience as worry free as possible. We recommend Kevin whole-heatedly as the person you can work with in complete confidence.

Ira and Susan Strauber
Jim, I wanted to take a few mins out to say how impressed I am with Collin Swick. I transferred my personal lines over to Nationwide from State Farm earlier this year. Not only did Paul Pohlson and Collin save me over $300 a year, but provide me with GREAT services. As an agent myself, I combed thru the policy and they helped me add on additional coverages that was not provide in my previous policy. Since we have taken out the home & auto policies, Collin has check up on us at least once every three weeks, where my previous agent’s staff would only reach out to me at renewal. Last week I was in an accident, I texted Collin about 7:30 in the morning stating that I was in an accident and to give me a call when he had a chance. He called within minutes to check on my daughter and myself. He walked me thru the claims process and made it easy. The claim adjustor called me within a few hours. Collin went out of his way to called/texted me at least 6 times last week to just check in and see how claim was going. I am very impressed with him and his outstanding customer services. He is a great assets to your company. Thanks for taking the time out to read this. Gabby Frein, CLCS

Gabby Frein, CLCS