Life insurance and retirement income for Des Moines families
An independent agent licensed in Iowa who compares several carriers and explains the differences plainly — from Ankeny to West Des Moines, by phone or video, in English or Spanish.
- Licensed in Iowa (NPN 22305583)
- Bilingual: every call and form in English or Spanish
- By phone or video — no office visit
See your options in about 2 minutes
Three questions to start. No medical questions, no obligation, and nothing shared with anyone outside our agency.
Des Moines is one of the insurance capitals of the country, and plenty of people here work for a carrier or know someone who does. That usually means the questions are sharper: not “what is term insurance” but “why this carrier and not the one I work for.” We're fine with that. Being independent means we can put several companies' offers side by side, including ones headquartered a few miles from you, and let the numbers make the case.
How much coverage a Des Moines household usually needs
A policy costs what it costs wherever you live. How large it ought to be is entirely local, and Des Moines has an unusual shape to it. The median home in Des Moines is valued at about $194,700 and the median household earns about $65,932 a year. A household that owes about that much on the house and wants ten years of income replaced lands at close to $850,000 of coverage.
Des Moines incomes sit close to the Houston level while housing costs about a third less, so the income-replacement half of that figure does most of the work — which is the opposite of how people usually think about it. Group coverage through a carrier employer often covers one or two times salary, a fraction of the total. How much life insurance do I need shows where the rest comes from.
English or Spanish, either way
21.9% of Des Moines residents age five and over speak a language other than English at home. Every call, form and policy explanation is available in English or Spanish with Victor directly.
Home value, income and language figures: U.S. Census Bureau QuickFacts, 2020–2024 American Community Survey five-year estimates.
How it works from Des Moines
Everything happens by phone or video.
We don't have a storefront in Des Moines. You talk with Victor M Robles Soto, a licensed producer, from wherever you are — most first conversations take 15 to 20 minutes.
We compare carriers instead of selling one.
Elavere is an independent agency appointed with several insurance companies. We look at what each one would offer for your age, health and budget and explain the differences plainly.
Areas we serve around Des Moines
Serving Des Moines, Polk and Dallas counties, and nearby communities:
- West Des Moines
- Ankeny
- Urbandale
- Johnston
- Waukee
- Clive
- Altoona
- Grimes
- Norwalk
- Indianola
- Pleasant Hill
- Bondurant
Life insurance and annuities sold in Iowa are regulated by the Iowa Insurance Division. Victor M Robles Soto is licensed in Iowa under NPN 22305583. Any policy we place for a Des Moines household is issued by the insurance company under Iowa rules.
If an Iowa insurance company ever failed
Every company we place business with is licensed in Iowa, and the Iowa Insurance Division takes consumer questions at 877-955-1212 (toll free within Iowa) or 515-654-6600. If a life insurer became insolvent, the Iowa Life and Health Insurance Guaranty Association would cover up to $300,000 in death benefits and $100,000 in net cash surrender and withdrawal values per life — the same limits Texas sets, which is not true of every state. We tell you which company is issuing your policy, and why, before you apply.
Questions we hear from Des Moines
I work in insurance. Why would I use an agent instead of buying direct?
What would a $1,000,000 policy actually cost in Des Moines?
Are life insurance rates different in Des Moines than in Cedar Rapids?
Do I have to meet you in person?
Are you actually licensed in Iowa?
What does the first call cost?
Other areas
Talk with a licensed agent about your Des Moines household.
A short call in English or Spanish. No cost, no obligation, no pressure.
Submitting a request or calling connects you with a licensed insurance agent who may contact you about insurance products. This is an insurance solicitation.