Local, Independent Insurance
Protection for the People You Love
Life, Medicare Supplement, Dental & More • Local, Personal Service
I’m Russ Meadows, an independent insurance agent based in Missouri Valley, Iowa. I help families protect what matters most with clear explanations and coverage that fits your real life and real budget.
- Life insurance for families and individuals
- Medicare Supplement, dental and hospital indemnity plans
- Final expense coverage and annuities
What You Can Expect
- Plain-language explanations (no jargon).
- Multiple options so you can choose what fits.
- Respect for your time, budget, and privacy.
- Ongoing support as your life and needs change.
About Russ
I’ve lived in Missouri Valley for most of my life. I’m a husband, dad, and grandparent, and I know how important it is to protect the people you love and the life you’ve worked hard to build.
Insurance can feel confusing and overwhelming. My goal is to make it simple, honest, and straightforward—so you know exactly what you have and why you have it.
Companies I Work With
As an independent agent, I can work with multiple companies to help find coverage that fits your situation.
Partner Carriers
- United National Life
- Medico
- United Life
- Lifeshield
- Assurity
- Greek Catholic Union
…and many more.
Availability of specific products and features can vary based on state, age, and underwriting guidelines.
Coverage Options
Every family and every season of life is different. Here are some of the main ways I can help.
Term Life Insurance
- Affordable protection for a set period of time.
- Common options include 10, 20, or 30 year terms.
- Budget-friendly protection for families.
Permanent Life Insurance
- Coverage designed to last your entire life.
- Can build cash value over time.
- Helps with long-term planning and legacy goals.
Final Expense & Burial Policies
- Smaller policies to help cover funeral costs and immediate expenses.
- Often easier to qualify for.
- Helps reduce financial stress for loved ones.
Medicare Supplement Insurance
- Helps cover gaps in Original Medicare like deductibles and copays.
- You can see any doctor who accepts Medicare.
- Multiple plan options based on your needs.
Dental Insurance
- Covers preventive care, cleanings, and major dental work.
- Affordable monthly premiums.
- Helps avoid large dental bills.
Hospital Indemnity Plans
- Pays cash directly to you during a hospital stay.
- Pairs well with Medicare or existing health plans.
- Flexible benefit amounts and very affordable protection.
Annuities
- Safe, reliable way to grow money and create long-term income.
- Tax-deferred growth.
- Can provide predictable income in retirement.
How It Works
My process is simple and low-pressure. You stay in control the whole time.
- Quick conversation. We talk about your situation, your family, and your budget.
- Options & recommendations. I show you a few options and explain the pros and cons.
- Application. If you’re ready, we complete an application together, often online or by phone.
- Approval & follow-up. Once you’re approved, I walk through your policy so you know how it works.
Frequently Asked Questions
How much life insurance do I need?
It depends on your income, debts, and goals. A common rule of thumb is 7–10 times your annual income, but we’ll talk through your specific situation and find a number that makes sense for you.
What if I already have a policy?
We can review your current coverage together to see what you have, what it does, and whether it still fits your life today.
Do I have to take a medical exam?
Some policies require an exam, others don’t. It depends on your age, health, and the amount of coverage. I’ll show you options and we’ll choose what fits you best.
Does getting a quote cost anything?
No. Quotes and conversations are free. You only pay if you decide to move forward with a policy.
Request a Free Quote
Fill out this short form and I’ll follow up to schedule a quick conversation and build a quote for you.