About Us

    We are a full-service insurance agency that gives you the peace of mind you deserve. Our services span from Auto, Home, Recreational Vehicles, Water Sports, Commercial Business, General Liability, Professional Liability, Transportation, Workers Comp, Farm and Crop Insurance. We also have markets for specialty products. Our office locations include Sigourney, Kalona, and Fairfield, Iowa. We can find a solution for any individual, family, or business to put you on the path to exceed your goals! View all of our services for more in-depth descriptions on the insurance provided.

    The experts at Century Insurance are licensed in 14 states and expanding, so please contact us to meet your insurance needs and exceed your expectations.


    Century Insurance was an absolute delight to work with when we signed up for our home owners insurance. We were so impressed with their professionalism and the service that Century offers we switched all of our insurance with them. Century is smart, easy to work with and goes above and beyond to find the best coverage for you and your family at an affordable rate.

    Kasi C.

    Very willing to go above and beyond for people!

    Candi H.

    Gary and his team at Century Insurance have been wonderful to work with! Not only do I get great service with him and his company but I also get great coverage at a great price. They walked through the policies to make sure I had adequate coverage and thoroughly answered any questions I had. Gary is an excellent insurance agent and I would highly recommend Century for all of your insurance needs!

    Hayley H.

    Life Insurance Iowa City


    Which Life Insurance Type is Right for Your Needs?

    One of the toughest parts about finding great life insurance in Iowa City, Iowa is sorting through your available options. There are simply too many plans and policies from which you can choose. Therefore, you need to do what you can to seek out the best for your needs. Thankfully, there should be a large number of possible choices that will help you stand out from others near you.

    Debating Term Versus Whole Policies

    People buying life insurance have to decide if they want term policies or whole coverage for their needs. Before we progress further into this discussion, we need to touch on the definition of each plan. A term policy is considered a “pure” option for buyers. Typically, it consists of you paying a premium that helps to fund the death benefit that you get when you pass away.

    When you do pass away, your recipients will get the policy in a few different ways. First of all, they can get monthly payments that supplement their income. This option is rare because most people want a lump sum payment. Lump sums come all at once and help you to pay for problems such as burying a loved one and managing other expenses. However, you can also get an annuity payment as well.

    Typically, these policies are more affordable and cost around $30-40 per month. This policy will provide a 30-year coverage for people in their 20s and 30s. This cost will usually go up a little after the end of your term but remains reasonable. For most people, this option is likely the one that they will choose for their life coverage and protection needs. They are particularly useful for those who are getting a little older.

    However, some people prefer whole insurance policies. These will cost as much as 6-10 times more than your standard policy, but it will also have a cash value that grows over time. When you pass away, your recipient will not only get the value of the plan but the cash as well. In this way, you will give them more money to help out. That said, this option is often expensive and hard for many to manage.

    Permanent Life Coverage

    This type of policy is another term option that is designed to provide you with many benefits. First of all, they are designed not to end on a specific term limit. Instead, they are okay as long as you continue paying your premiums. As you might imagine, this option is a very desirable one. It can help to protect you for years and ensure that your family gets the payments that they deserve when you pass away.

    However, these plans do differ from term options because they also have a cash value to them. This value is accrued in the same way that you get help from whole life insurance options. In this way, they are a lot more like that type of policy. However, they usually don’t cost as much because you aren’t going to have as high of a cash value. As a result, you need to research your options before you buy.

    People who buy this policy option are often those who want a plan that they don’t have to worry about updating throughout their life. Once you get set with a specific payment plan when you’re young, you probably don’t have to worry about it changing as you age. Again, this factor will depend on your provider and their payment plans. Some will ask for more money from those who have these policies as they get older. Others don’t ask for more and stick to the agreed-upon premiums and deductibles.

    A variation of this type is the universal life plan. These policies have premiums and cash value, but you can change your premiums and benefit amounts without having to ask for a new policy. This option is often the right choice for those with variable incomes, such as the self-employed. You can tweak your premiums monthly, as needed, to ensure that you don’t end up paying too much for your business to afford. This type of variability is not uncommon for many plans.

    Variable Insurance Options

    Lastly, you can choose variable life insurance for your needs. This option is similar to whole policies with a few differences. First of all, a variable policy does get a cash value like a whole plan. However, it will vary more heavily based on the stock market, which is both the main attraction of this policy type and a drawback that keeps many away from them.

    By contrast, a whole plan will only increase in value, but a variable one may end up losing much of its worth if the market suddenly nosedives in a scary way. That often makes many people run from variable plans as if they were a plague. That said, you can also make good money on these options if the market rises in a favorable way for your needs.

    In a certain way, these policies are often considered a form of super-IRA. The fees will be lower, which is attractive, but the rise and fall of the stock market can make these options a bit scary. Many people are probably best off not trying out this option. It is mainly a good choice to say no to this life insurance policy if your income is limited and you’re worried about bankruptcy problems.

    Don’t Neglect Professional Help

    So if you want the best life insurance in Iowa City, Iowa, please contact us at Century Insurance today to learn more. Our professionals have years of experience working with people like you. And we will do what we can to ensure that you get the policy that meets your needs. Call now and talk to us about our options!