Choosing the right insurance partner isn’t just about comparing premiums and policies. It’s about finding a team that listens, solves problems, and stands by you when life delivers the unexpected. For more than 40 years, John Joe Insurance Agency has been that partner for families, individuals, and employers across Northwest Missouri. Our service-first mindset—and the experiences of our clients—tell the story best.

From personalized health insurance guidance to creative employee benefits strategies, our agency has built a reputation rooted in trust, reliability, and genuine care. When Missouri clients say they feel more confident, protected, and supported after working with us, that means we’re delivering on the promises we’ve made since 1985.

A Legacy of Service Since 1985

John Joe founded the agency with a simple guiding principle: people deserve an insurance advisor who is available, informed, and truly invested in their wellbeing. Today, that legacy continues under Todd Joe, with a third generation actively involved in the agency. What began as a local insurance office has grown into a trusted community partner serving St. Joseph, Maryville, and the surrounding region.

Our long-standing history matters—especially in an industry where continuity, expertise, and personal relationships make all the difference. Clients know they can reach us, get answers quickly, and count on consistent support year after year. That commitment is reflected in our client reviews, many of which highlight the comfort and confidence people feel after switching to our agency.

Comprehensive Insurance Services for Every Stage of Life

Whether you’re choosing Medicare coverage, building a benefits package for your business, or securing a plan for your family, insurance is personal—and your coverage should reflect your needs, not a one-size-fits-all template. That’s why our agency offers a full range of services designed to simplify decisions and protect what matters most.

Employer Group Benefits & HR Support

Missouri businesses turn to us for benefits solutions that balance employee satisfaction with budget constraints. Our services include:

• Group health insurance and employee benefits planning
• ICHRA and HRA plan design and compliance support
• ACA compliance assistance and HR resources
• Level-funded and worksite benefit options

As one St. Joe business owner shared: “My company worked with John and he came up with creative insurance options for us. We were able to offer more security for our employees and stay within a limited budget.”

Individual & Family Health Coverage

Choosing the right plan can feel overwhelming—especially with changing networks, deductibles, and premium structures. We support individuals with:

• ACA Marketplace health plans
• Short-term medical coverage
• Dental and vision insurance
• Life and disability protection

Clients consistently praise our ability to explain options clearly and help them feel confident in their choices. As one long-time client said: “This agency really gives personalized service… I feel much more comfortable about my insurance since I started doing business with them.”

Travel Health Insurance

Your domestic insurance stops at the border—but we make sure your protection doesn’t. For international travelers, retirees, students, and cruise passengers, we provide:

• Emergency medical and hospitalization coverage abroad
• Medical evacuation and repatriation protection
• Same-day policy issuance for last-minute trips

For clients who travel outside the U.S., this coverage brings peace of mind—knowing they won’t be left with overwhelming medical costs in an unfamiliar country.

Medicare Guidance & Enrollment Support

Navigating Medicare can be confusing. We work closely with beneficiaries to simplify decisions around:

• Medicare Supplement (Medigap) plans
• Medicare Advantage plans
• Prescription drug (Part D) coverage
• Enrollment timelines and eligibility

Our Medicare clients often highlight our patience, clarity, and ability to untangle complex scenarios. As Dr. Ron Larson shared: “I’ve had complications with my health insurance plans in the past, and Todd Joe has always worked hard and fast to resolve them.”

Why Clients Across Northwest Missouri Recommend Us

One of the strongest indicators of trust is what clients say after working with us. Their reviews—nearly all five stars—highlight a consistent theme: reliable guidance, personal attention, and responsive service exactly when they need it.

• “Fantastic experience… highly recommended!” – David Sandy
• “Creative insurance options… more security for our employees.” – Mark Thygerson
• “My favorite thing about them is how helpful they are.” – Frank Leone
• “First-rate company… Todd always resolves issues quickly.” – Dr. Ron Larson
• “Solid help navigating the challenging world of insurance.” – Katie Green
• “Todd is attentive, timely, and professional.” – Gail Lytch
• “Clear and helpful responses… staff is very friendly.” – Mary Debyo
• “Excellent service. Always available when we have questions.” – Shirley Morrison
• “Responsive, cost‑effective service… compassionate guidance during a difficult time.” – Patricia Boice

These testimonials reflect what we strive for every day: to be the insurance partner you can rely on no matter what life brings.

Recognition for Service Excellence

In addition to client feedback, our agency has earned recognition at the national level. John Joe Insurance Agency was awarded the “Connecting Consumers with Coverage – 2021” designation by HealthCare.gov—a distinction given to agencies that demonstrate exceptional service in helping individuals navigate Marketplace health plans.

This recognition reflects our ongoing commitment to making insurance accessible, understandable, and stress-free for the people we serve.

Your Trusted Missouri Insurance Partner

Whether you’re choosing a health plan, organizing employee benefits, traveling internationally, or preparing for Medicare, having the right advisor matters. At John Joe Insurance Agency, we combine decades of experience with a client-first approach that prioritizes clarity, honesty, and dependable support.

If you're ready for guidance that feels personal—and a team that answers the phone when you need them—we’re here to help.

Contact our St. Joseph or Maryville office anytime. We’d love to show you why so many Missouri families and employers choose us—and stay with us.