Steinlage Insurance Agency, team photo

Hear What Others
Have to Say

“Margo helped make the transition to Medicare and supplemental insurance so easy. She simplified the process and in one meeting I had medical, prescription plan, dental and vision covered. I highly recommend her. Thank you, Margo.”

Leslie W

“My husband and I met with Karl several times. It is comforting to be able to tap his expertise in the oh so confusing Medicare process. I read a lot of paperwork I was bombarded with and did some research on-line also. Having Karl’s direction gives me peace of mind. I would recommend him to anyone!”

Karen D.

“Margo was very efficient and informed in helping us with our Medicare Advantage Insurance Plan. She helped us make the correct decision as well as doing all the paper work for us, much easier than going it alone. We would recommend the Steinlage Insurance Agency.”

Bryce D.

Learn More About How We Can Help You

Medicare Insurance Agency:

Our History

For three generations the Steinlage family has helped families with their insurance needs, specializing in the senior health market and Medicare insurance. The business started when a childhood friend of William H. Steinlage Sr. was drafted into WWII. He asked William to take over a “block of business”. Within a few years, William Sr. opened The Steinlage Insurance Agency. His number one priority was focusing on the needs of his clients.

In 1974, William was joined by his son, William H. Jr. William H. Jr. took the agency to new heights by meeting the demand that he saw in the senior health market, specifically Medicare related products. The agency became a leader by being one of the first truly independent agencies to focus on the Medicare eligible client.

During William H. Jr’s tenure, the agency expanded to the greater Saint Louis area. As of 2001, the agency crossed the river from North County to Lake Saint Louis. In 2006, William Jr.’s two sons, Eric and Karl, joined him to assist in growing the family business. William Jr., Karl, and Eric continue to progress the agency to new heights. They have recently recruited Margo, William Jr.’s daughter, as both broker and agency’s senior health legal consultant.

Today, this family dynamic at the agency enables Steinlage Insurance Agency to offer its clients reputable customer service and satisfaction. In addition to quality service, the agency is well informed on recent Healthcare Reform and relays this information to its clients. Loaded with experience and expertise, you can feel confident that Steinlage Insurance Agency will navigate and maneuver the health care maze for you now and into the future!

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Our Specialty: We maneuver Medicare!

We represent most of the major insurance companies in St. Louis, Missouri, and provide our clients with unbiased advice. We will take the time to understand your needs and concerns before making any recommendations. By remaining independent, our brokers work for you NOT the insurance company. This means we can promote a variety of plans that provide an array of benefits to our clients.

Our Services include:

  • Best Prices. Insurance company direct rates.
  • Non-Fee Based Plan Assessments. Our service is FREE to you.
  • Neutral Advice and Plan Assessments.
  • Client-Oriented Approach.
  • Health Care Reform updates and how these new areas of law affect your individual needs.
  • Estate Planning: Wills, Trusts, Power of Attorneys, Healthcare directives.

Our FREE Plan Assessment includes:

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Our People

William Steinlage, Steinlage Insurance Agency

William H. Steinlage,

President and CEO

Bill has 40+ years of senior health experience. He has navigated the constant changes of Medicare for his clients; providing advice, stability, and service since the 1970’s.

Bill’s wife, Dr. Kathy James, and four kids also have experience in health related fields. His wife Dr. James, a retired general surgeon from private practice, is an executive officer of the firm.

In his free time, Bill enjoys fishing, seadooing, gardening, traveling, playing with his four grandchildren and spreadsheeting Part D prescription drug plans.

Phone: 636-561-5060 ext: 105

Estell Norris of Steinlage Insurance Agency

Estell Norris,


Estell joined the agency in 2013 after over 45 years of experience in the corporate world. She was an executive assistant to C suite executives at McDonald Douglas, EDS, and HP. When Estell isn’t keeping the agency running on all cylinders, she enjoys hand quilting and traveling with her husband Charles. Estell is also the office interior decorator, bringing in her elaborately designed quilts to display over the holidays and Annual Enrollment Period.

Phone: 636-561-5060 ext: 104

Nancy Smith, Steinlage Insurance Agency

Nancy Smith,


Second in line, possibly first depending on who you ask, is our dedicated and loyal Nancy. With 30 years to her name, Nancy is here to answer questions and work as an intermediary between clients and agents.

Nancy enjoys scrapbooking, eating out with her husband and friends, and playing with her Pomeranian pup, Bear.

Phone: 636-561-5060 ext: 102

Eric Steinlage, Steinlage Insurance Agency

Eric Steinlage,

Independent Broker

Eric has worked in the insurance industry since 2004 and with the agency full-time since 2006.

In addition to being a broker, Eric dabbles in charcuterie. He built a smokehouse back in 2010 and is working towards becoming a Master Charcutier.

Eric also enjoys fishing, hunting, gardening and spending quality family time with his wife and two little girls, Camille and Daphne.

You can ask Eric a question about grilling, smoking meats, or supplemental insurance at

Phone: 636-561-5060 ext: 106

Karl Steinlage, Steinlage Insurance Agency

Karl Steinlage,

Vice President & Independent Broker

Karl has held his insurance license since 2002.  Upon receiving his insurance license, Karl took a hiatus to play baseball and obtain his Bachelor’s degree from Saint Louis University.

After graduation in 2006, Karl started working with the agency full time. Karl has been Nationally recognized for his work. He received his MBA from Saint Louis University in 2015.

When Karl isn’t working or studying he enjoys golf, basketball, soccer, and baseball. He also likes to cook and spend time with his wife and children, Jack and Tessa.

Phone: 636-561-5060 ext: 101

Margo Steinlage, Steinlage Insurance Agency

Margo Steinlage,

Senior Health Attorney and Broker

Margo holds an LLM and MBA from the University of Toulouse Capital, France, and her JD from Saint Louis University School of Law. Margo was admitted to the Missouri Bar in 2013 and is a member of the Bar Association of Metropolitan St. Louis Young Lawyers Division. Before earning her advanced degrees, Margo received her Missouri Life and Health Insurance Licensure in 2009.

Today, Margo’s experience in both Law and Insurance allows her to guide clients through one of the most volatile industries to date, Health Insurance. In her free time, Margo loves to travel with her Husband, cook, explore wine, and pursue new experiences.


Phone: 636-561-5060 ext: 103