Life & Health Insurance Services in Colorado, Missouri, Iowa, Illinois, and Minnesota
Secure Your Wellbeing with Expert Insurance Guidance
When it comes to safeguarding your future and protecting what matters most, life and health insurance play a critical role. At Alekco Insurance, we have proudly served the Colorado, Missouri, Iowa, Illinois, and Minnesota community and surrounding Story County areas for over 15 years. As an experienced, locally based insurance broker, we specialize in helping individuals, families, and business owners navigate the often-complex world of insurance with clarity and confidence.
Living in Ames—a vibrant college town home to Iowa State University and a growing population of professionals, retirees, and families—means having diverse needs when it comes to insurance. Whether you’re a young couple starting out, a homeowner planning for the future, or a small business owner looking to protect your team, we provide tailored insurance solutions that fit your lifestyle, goals, and budget.
Our deep understanding of Central Iowa’s healthcare landscape and regulatory environment allows us to guide you toward policies that offer both comprehensive coverage and long-term value. We work with reputable carriers to present a wide range of customizable life and health insurance products, all designed to give you peace of mind during life’s most important moments.
At Alekco Insurance, we believe in building lasting relationships rooted in trust, transparency, and local expertise. Our goal is not just to sell you a policy but to ensure you're equipped with the right protection for your unique needs. Whether you're in Ames, Gilbert, or elsewhere in Story County, we’re here to help you protect your health, your family, and your financial future.
Benefits of Life & Health Insurance
Financial Protection for Loved Ones
Life insurance provides vital financial security for your family if you pass away. It covers funeral expenses, outstanding debts, mortgage payments, and ongoing living costs, ensuring your dependents in Ames are supported. This coverage helps protect your family’s future from unexpected financial hardships.
Access to Quality Healthcare
Health insurance grants access to essential medical services without the full burden of costs. In Ames, with nearby hospitals and clinics, insurance promotes preventive care, timely treatments, and emergency services. This access helps maintain your health while reducing financial stress from medical bills or unexpected health issues.
Coverage for Critical Illnesses
Many life and health insurance policies include riders for critical illnesses like cancer, heart disease, or stroke. These benefits provide financial support for medical treatments, rehabilitation, lost wages, or lifestyle adjustments. This coverage is especially important for Ames residents facing costly, severe health challenges.
Income Replacement
Disability and long-term care insurance replace lost income if injury or illness prevents work. This protection is crucial for sole breadwinners or self-employed individuals in Ames and Story County, helping maintain financial stability during recovery without sacrificing essential living expenses or family needs.
Tax Benefits
Certain life and health insurance premiums in Iowa may qualify for tax deductions, and policy benefits often remain tax-free. These advantages increase the financial efficiency of your coverage, making insurance not only protective but also a smart financial strategy for Ames residents.
Peace of Mind During Uncertainty
Insurance eases emotional and financial stress amid unpredictable health issues and rising medical costs. Knowing you have life and health coverage allows Ames residents to focus on daily life with confidence, free from constant worry about unexpected healthcare expenses or family financial security.
Life & Health Insurance Services We Offer
Individual Health Insurance
Tailored plans for individuals who aren’t covered through an employer. Whether you're self-employed, between jobs, or retired early in Ames, we help you find ACA-compliant coverage to suit your healthcare needs.
Group Health Plans for Businesses
We work with Ames employers to design group health insurance packages that balance affordability with employee satisfaction. These plans cover hospital visits, prescriptions, and preventive services.
Term Life Insurance
Affordable, time-specific coverage that pays a death benefit if the policyholder passes within the term. Ideal for young families or homeowners in Ames looking for short- to mid-term financial protection.
Whole Life Insurance
Provides lifelong coverage with a cash value component. Whole life is popular with Ames residents seeking long-term financial planning tools, estate protection, or a tax-advantaged savings strategy.
Medicare Supplement Plans
For seniors in Ames enrolled in Medicare, we offer Medigap plans that cover out-of-pocket costs like co-pays and deductibles, ensuring comprehensive care without surprise bills.
Long-Term Care Insurance
Covers extended care services not typically included in health insurance, such as in-home care or assisted living. Particularly valuable for aging residents of Story County planning for the future.
Get Peace of Mind with Reliable Life & Health Insurance
Life and health insurance are not one-size-fits-all solutions. That’s why Alekco Insurance is committed to delivering customized coverage backed by our deep understanding of the Colorado, Missouri, Iowa, Illinois, and Minnesota, community. With 15 years of experience serving families, business owners, students, and retirees throughout Story County, we bring trusted local knowledge and personalized service to every client interaction.
Whether you're a young professional seeking individual health insurance, a business owner establishing employee benefits, or a retiree reviewing Medicare supplement plans, Alekco Insurance is here to guide you. Our independent broker status means we shop policies from multiple top-rated carriers, prioritizing your budget, your preferences, and your future goals.
In a city like Ames, where life moves at a steady pace, yet financial demands keep changing, having the right life and health insurance in place can make all the difference. With growing healthcare costs and evolving family dynamics, proactive planning ensures you're never caught off guard by illness, injury, or loss.
We don’t just sell policies — we build lifelong partnerships rooted in trust, education, and transparency. Our goal is to help you make informed decisions about your financial protection and wellness, not overwhelm you with jargon or pressure you into coverage that doesn’t fit.
If you're in Ames or anywhere nearby in Central Iowa, connect with Alekco Insurance to explore the life and health policies that will give you true peace of mind. Your future deserves nothing less than dependable coverage from a team that understands where you’re coming from.
FREQUENTLY ASKED QUESTIONS
What is the difference between term and whole life insurance?
Term life insurance provides coverage for a set period, typically at a lower cost. Whole life insurance offers lifelong protection with a savings component, accumulating cash value that can be borrowed against or withdrawn during your lifetime.
Does health insurance cover preventive care in Ames?
Yes, most health insurance plans in Ames cover preventive services such as vaccinations, screenings, and annual check-ups at no extra cost. This helps catch health issues early and supports maintaining overall wellness in the local community.
Can I customize my life insurance policy?
Many policies offer riders or add-ons, such as critical illness coverage or disability benefits. These options allow you to tailor your life insurance to fit specific needs, providing extra protection for you and your family in Ames.
Is long-term care insurance necessary in Iowa?
Given Iowa’s aging population and potential care costs, long-term care insurance can be valuable. It helps cover nursing homes or in-home care expenses, reducing the financial burden on families and providing peace of mind.
How do health insurance premiums get determined?
Premiums depend on age, health status, coverage level, and tobacco use. Living in Ames or Story County may influence rates slightly due to regional healthcare costs, but individual health is usually the main determinant.
What happens if I miss a health insurance payment?
Missing payments can lead to policy cancellation after a grace period. It’s important to pay premiums on time to avoid coverage gaps, ensuring continuous access to medical care and financial protection for Ames residents.
Can I have both life and health insurance policies?
Yes, you can hold both policies to cover different risks. Life insurance protects your family financially after death, while health insurance covers medical expenses during your lifetime, providing comprehensive security for Ames families.
Are there special insurance options for small business owners in Ames?
Small business owners can access group health plans and key person life insurance, helping protect employees and the business. Tailored policies support local business needs and contribute to the overall health and financial security of the Ames community.
What our customers have to say...
Testimonials
Alek and his team really helped me out. I felt like they listened to what I wanted and were knowledgeable about what they could do for my family and me. No pressure and very kind. They made switching super easy for me. Thanks again!
Taylor D.
Very happy with the service!! All the agents at AlekCo were very informative and helped me find the best coverage for the lowest price. They were extremely nice and I couldn't have been happier with the quote they gave me!!
Jessica T.
Hunter was dedicated to helping me find a policy similar to the one I had but more affordable! He answered all my questions in a timely manner And made the process extremely easy!
Nikole K.
Hunter M did a fantastic job of meeting the expectations for our family. He listened to our needs and matched a policy to ensure we are covered. Thanks Hunter!
Pat M.
Worked with Jake the service was great he gave me a drink and spoke with me and explained everything to me. Super great company made everything super easy.
Angela B.
Alek is the best for all your insurance needs! Friendly, responsive, competitive quotes, and an honest team. Highly recommend!
Richard B.