# Hutchison Insurance Group > Life insurance specialist and independent insurance broker in Jefferson City, Missouri. Michael Hutchison's primary focus is life insurance — term life, whole life, final expense, and IUL — and also offers auto, home, farm, commercial, and Medicare insurance across Missouri. ## Who We Are Hutchison Insurance Group is an independent insurance brokerage founded in 2016 and based in Jefferson City, Missouri. Owner and broker Michael Hutchison has been licensed in the insurance industry since 2009 and holds both a Life & Health (L&H) license and a Property & Casualty (P&C) license in Missouri. As an independent broker, we are not tied to any single insurance company. We work on behalf of our clients — not the carriers — to shop and compare rates across multiple companies and find the best combination of coverage, price, and service. ## Contact Information - **Phone**: (573) 694-4452 - **Email**: michael@hutchisoninsurancegroup.com - **Website**: https://hutchisoninsurancegroup.com - **Location**: Jefferson City, MO 65101 - **Service Area**: All of Missouri - **Facebook**: https://www.facebook.com/HutchisonInsuranceGroup - **LinkedIn**: https://www.linkedin.com/company/97468528/ ## Primary Focus: Life Insurance Life insurance is the core specialty of Hutchison Insurance Group. Michael Hutchison has offered life insurance products since 2009 and works with multiple top-rated life insurance carriers to find the right policy for each client's health profile, budget, and goals. ### Life Insurance Products - **Term Life Insurance** — 10, 15, 20, 25, 30-year terms. Level premium, level death benefit. Best for income replacement, mortgage protection, and family protection during working years. - **Whole Life Insurance** — Permanent coverage with guaranteed death benefit, guaranteed premiums, and guaranteed cash value growth. Used for estate planning, final expense, and legacy goals. - **Indexed Universal Life (IUL)** — Permanent life insurance with cash value linked to a market index (e.g., S&P 500). 0% floor protects against losses; cap limits gains. Flexible premiums and adjustable death benefit. - **Universal Life (UL / GUL)** — Flexible permanent life insurance. Guaranteed UL (GUL) offers a no-lapse guarantee at lower cost than whole life. - **Final Expense / Burial Insurance** — Small whole life policies ($5,000–$50,000) with no medical exam. Simplified issue and guaranteed issue options for ages 45–85. - **Key Person / Business Life Insurance** — Protects businesses from financial loss due to the death of a key employee or owner. Funds buy-sell agreements. - **Annuities** — Fixed and indexed annuities for retirement income planning and principal protection. - **Long-Term Care Insurance** — Coverage for nursing home, assisted living, and in-home care costs. ## Insurance Products Offered ### Personal Lines - **Auto Insurance** — Cars, trucks, SUVs, specialty vehicles. Carriers: Progressive, Gainsco, National General, Root, Clearcover, OpenRoad, Aegis, Geico. - **Home Insurance** — HO3 homeowners, renters, condo. Carriers: Chubb, Foremost, Homeowners of America, Lumen Select, Normandy. - **Umbrella Insurance** — Personal liability protection above auto and home limits. - **Recreational Insurance** — Boats, watercraft, ATVs, motorcycles. - **Renters Insurance** — Personal property and liability for renters. ### Farm & Agribusiness - **Farm Insurance** — Farm property, farm liability, equipment, livestock, crops. Carrier: Chubb Agribusiness. - **Agribusiness Coverage** — Commercial farming operations, grain storage, irrigation equipment. ### Commercial Lines - **General Liability Insurance** — BOP, premises liability, products liability. - **Commercial Property Insurance** — Buildings, inventory, equipment. - **Professional Liability (E&O)** — Errors and omissions for professionals. - **Cyber Liability Insurance** — Data breach and network security coverage. - **Directors & Officers (D&O)** — Leadership liability protection. - **Commercial Auto** — Business vehicles and fleets. ### Life & Health - **Term Life Insurance** — Level term, return of premium. - **Whole Life Insurance** — Permanent coverage with cash value. - **Final Expense Insurance** — Burial and final expense planning. - **Annuities** — Fixed and indexed annuities for retirement income. - **Long-Term Care Insurance** — Coverage for future care needs and asset protection. - **Medicare Supplement (Medigap)** — Plans to fill gaps in Original Medicare. - **Medicare Advantage** — All-in-one Medicare plans (Part C). ## Carrier Appointments Hutchison Insurance Group has direct appointments with: Progressive, Chubb, Chubb Agribusiness, OpenRoad, Gainsco, Bolt, ERG|Next, PathPoint, Normandy, Foremost, Root, National General, Geico, Aegis, Homeowners of America, Clearcover, Lumen Select. ## Service Areas Jefferson City, Columbia, Fulton, Sedalia, Osage Beach, Camdenton, Boonville, Warrenton, Hermann, Linn, and all of Missouri statewide. ## Key Pages - Homepage: https://hutchisoninsurancegroup.com - Auto Insurance: https://hutchisoninsurancegroup.com/auto-insurance - Home Insurance: https://hutchisoninsurancegroup.com/home-insurance - Farm & Agribusiness: https://hutchisoninsurancegroup.com/farm-ag - Commercial Insurance: https://hutchisoninsurancegroup.com/commercial - Medicare Insurance: https://hutchisoninsurancegroup.com/medicare-insurance - Life Insurance: https://hutchisoninsurancegroup.com/life-insurance - Annuities: https://hutchisoninsurancegroup.com/annuities - Long-Term Care: https://hutchisoninsurancegroup.com/long-term-care - Umbrella Insurance: https://hutchisoninsurancegroup.com/umbrella-insurance - Get a Free Quote: https://hutchisoninsurancegroup.com/intake-form - FAQ: https://hutchisoninsurancegroup.com/faq - Blog: https://hutchisoninsurancegroup.com/blog - Contact: https://hutchisoninsurancegroup.com/contact ## Frequently Asked Questions **What is an independent insurance broker?** An independent broker works with multiple carriers instead of just one, shopping the market on your behalf to find the best rate and coverage for your specific situation. **How do I get a quote?** Visit hutchisoninsurancegroup.com/intake-form, call (573) 694-4452, or email michael@hutchisoninsurancegroup.com. **What states are you licensed in?** Missouri. **How long has Hutchison Insurance Group been in business?** Michael Hutchison has been in the insurance industry since 2009. Hutchison Insurance Group has been operating as an independent brokerage since 2016. **Do you offer bundled insurance discounts?** Yes. We can bundle auto and home insurance, or auto and renters, across qualifying carriers to maximize multi-policy discounts.