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John Melfi

Financial Professional
Insurance Sales Representative - Bankers Life and Casualty Company
Direct Phone:
(573) 290-7009(573) 290-7009
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John MelfiInsurance Sales Representative, Cape Girardeau, MO

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Meet John Melfi
Personal Business Philosophy
My goal is to offer solutions that meet your needs today and for the life of your retirement. I believe in building a personal relationship with you as my client, so I can better understand your retirement goals and help you get there with confidence and peace of mind.
licensed in
FL, IL, IN, KY, MO, VA
professional background
Joined Bankers Life in 2012Began work in the Insurance Industry in 2012Education: Vienna High School, Southeastern Illinois College, Shawnee College
designations received
Insurance Designations: CLTC®
personal background
Family: Married, three daughters, four grandchildrenCommunity Involvement: Lick Creek Water Board

John Melfi, Bankers Life Agent in Cape Girardeau, MO

Open Now - Closes at 5:00 PM
Contact Me
Office Phone:
(573) 335-2188(573) 335-2188
Direct Phone:
(573) 290-7009(573) 290-7009
Cell Phone:
(618) 697-2390(618) 697-2390
john.melfi@bankerslife.com
Branch Info
3065 Williams St
Ste 309
Cape Girardeau, MO 63703
US
Hours
Day of the WeekHours
Thursday9:00 AM - 5:00 PM
Friday9:00 AM - 5:00 PM
SaturdayClosed
SundayClosed
MondayClosed
Tuesday9:00 AM - 5:00 PM
Wednesday9:00 AM - 5:00 PM

Our Brands and Partners

Our agents provide an expansive suite of insurance options, including core products offered by Bankers Life and Casualty Company, Colonial Penn Life Insurance Company and Washington National Insurance Company.

  • Bankers Life Logo
  • Colonial Penn Logo
  • Washington National Logo

Forget Me Not Days

At Bankers Life, our insurance agents and associates witness firsthand the impact that Alzheimer’s and dementia have on our customers, their families and their caregivers. That’s why we established Bankers Life Forget Me Not Days®, our nationwide fundraising campaign to benefit the Alzheimer’s Association®. This June marks the 23rd anniversary of the campaign. Since 2003, we’ve helped raise more than $7.8 million for the Alzheimer’s Association through the Forget Me Not Days campaign and corporate donations.

Explore Medicare Advantage

You have many choices when it comes to Medicare – I can help you compare Medicare Advantage plans to find the right coverage for you. * Medicare Advantage (Part C) is an all\-in\-one alternative to Original Medicare Parts A and B. * It offers similar coverage, and with the optional benefit of prescription drug coverage (Part D). * Medicare Advantage Plans include an annual maximum out of pocket limit, and some plans offer premiums as low as $0 per month.


Products & Services Offered in Cape Girardeau, MO

  • Life Insurance

    Find out how life insurance can help protect the financial security of you and your family.
    Explore
  • Medicare Supplement Insurance

    Learn how Medicare supplement insurance can help cover out-of-pocket costs that Medicare may not cover.
    Explore
  • Long-term Care Insurance

    Find out how long-term care insurance can help provide financial security in the event of an unexpected long-term illness.
    Explore
  • Annuities

    Learn how an annuity can help protect and grow your retirement savings.
    Explore

Financial Calculators & Tools

Our calculators are here to help support your retirement and insurance planning needs so you can make confident and informed decisions.
Retirement Calculators
Insurance Calculators
  • How Long Will My Retirement Savings Last?

    Determine how long your retirement savings may last considering your monthly spending, sources of income, inflation and more.
  • Estimate Social Security Benefits

    Estimate your future Social Security benefits based on your income history and expected retirement age.
  • Traditional 401(k) or Roth 401(k)?

    How do traditional 401(k) and Roth 401(k) contributions differ, and which option best suits your financial needs?
  • Retirement Income Estimator

    Input your current savings and income sources to estimate your future retirement income and assess if you’re on track to meet your goals.
For information and educational purposes only. Does not constitute investment advice or a recommendation.
Reviews

Reviews for John Melfi

5.0
Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(2 Reviews)
  • 5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Excellent customer service

Customer Reviews for Cape Girardeau, MO

4.9
Rating 4.8full star ratingfull star ratingfull star ratingfull star ratingfull star rating
(57 Reviews)
  • Angela M
    April 15, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service! Really explained everything so that I understood my options.
    Great customer service! Really explained everything so that I understood my options.
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  • Marsha P
    March 22, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Enjoy doing business with Lincoln!
    Enjoy doing business with Lincoln!
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  • Charles W
    January 31, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very professional. Does not try to pressure us into buying what we can't afford. I
    Very professional. Does not try to pressure us into buying what we can't afford. I
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  • William B
    January 21, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    He was very personable and settled down with us to learn about the benefits and price was reasonable..He told us the price of life insurance and we signed up.
    He was very personable and settled down with us to learn about the benefits and price was reasonable..He told us the price of life insurance and we signed up.
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  • Christian H
    January 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    As someone who knew little about retirement investing, I was nervous about making the right decisions. He made everything so easy to understand and took the time to thoroughly assess my current financial situation. They crafted a retirement strategy tailored to my needs and goals, explaining every option clearly along the way. I never felt rushed or pressured, and I now feel confident and secure about my retirement. I’m grateful for their personalized approach. Highly recommend their services!
    As someone who knew little about retirement investing, I was nervous about making the right decisions. He made everything so easy to understand and took the time to thoroughly assess my current financial situation. They crafted a retirement strategy tailored to my needs and goals, explaining every option clearly along the way. I never felt rushed or pressured, and I now feel confident and secure about my retirement. I’m grateful for their personalized approach. Highly recommend their services!
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  • Amanda B
    January 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Absolutely wonderful service! Lincoln went above and beyond to help me navigate the complexities of Medicare and find affordable life insurance. He is kind, knowledgeable, and truly care about their clients. I’m so glad I found him. My insurance plans are now exactly what I need, and I feel completely secure. Highly recommend for anyone looking for guidance!
    Absolutely wonderful service! Lincoln went above and beyond to help me navigate the complexities of Medicare and find affordable life insurance. He is kind, knowledgeable, and truly care about their clients. I’m so glad I found him. My insurance plans are now exactly what I need, and I feel completely secure. Highly recommend for anyone looking for guidance!
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  • Austin C
    January 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    What a fantastic experience! I had no idea where to start with Medicare, and I was a bit confused about my life insurance options too. Lincoln patiently walked me through everything, answered all of my questions, and found me great plans that were perfect for my situation. I feel relieved and happy knowing I’m in good hands. Thank you for your exceptional service!
    What a fantastic experience! I had no idea where to start with Medicare, and I was a bit confused about my life insurance options too. Lincoln patiently walked me through everything, answered all of my questions, and found me great plans that were perfect for my situation. I feel relieved and happy knowing I’m in good hands. Thank you for your exceptional service!
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  • Cole B
    January 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I can't say enough great things about my experience with this Lincoln! From the moment I reached out for help with my Medicare plan, he was so patient and thorough in explaining all my options. I never felt rushed or pressured. He really took the time to understand my needs and helped me find a plan that works perfectly for me. Plus, he helped me secure life insurance that gave me peace of mind for the future. Thank you for making such an important decision so easy!
    I can't say enough great things about my experience with this Lincoln! From the moment I reached out for help with my Medicare plan, he was so patient and thorough in explaining all my options. I never felt rushed or pressured. He really took the time to understand my needs and helped me find a plan that works perfectly for me. Plus, he helped me secure life insurance that gave me peace of mind for the future. Thank you for making such an important decision so easy!
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  • Chris T
    January 17, 2025
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    The customer service Lincoln provides is fantastic. He always answers my questions promptly and helps me navigate any concerns I have. He took time to make sure I understood what he was explaining and that I was aware of all of my options. That is why I will recommend all my family and friends to see him if they need help with Medicare or Life Insurance.
    The customer service Lincoln provides is fantastic. He always answers my questions promptly and helps me navigate any concerns I have. He took time to make sure I understood what he was explaining and that I was aware of all of my options. That is why I will recommend all my family and friends to see him if they need help with Medicare or Life Insurance.
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  • John C
    November 12, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Nice lady!
    Nice lady!
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  • Mary Ellen V
    August 1, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    I recently had the pleasure of working with Chantel and I cannot recommend her enough! Her knowledge and expertise in the insurance industry are impressive. She took the time to thoroughly explain all the options available to me and helped me choose the best coverage for me.

    Not only is Chantel incredibly knowledgeable, but she is also a great communicator and made the entire process seamless and easy to understand.

    If you are looking for an insurance agent who knows her stuff, look no further
    I recently had the pleasure of working with Chantel and I cannot recommend her enough! Her knowledge and expertise in the insurance industry are impressive. She took the time to thoroughly explain all the options available to me and helped me choose the best coverage for me.

    Not only is Chantel incredibly knowledgeable, but she is also a great communicator and made the entire process seamless and easy to understand.

    If you are looking for an insurance agent who knows her stuff, look no further
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  • Cassie P
    July 25, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Very helpful! Such a nice guy & pleasant experience. Highly recommended.
    Very helpful! Such a nice guy & pleasant experience. Highly recommended.
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  • Janet C
    July 19, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Chantel was extremely helpful, she answered all my questions. She was polite and professional.
    Chantel was extremely helpful, she answered all my questions. She was polite and professional.
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  • Jordan C
    July 16, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service, she gets the job done and makes me laugh while doing it! Loved working with Chantel!
    Great customer service, she gets the job done and makes me laugh while doing it! Loved working with Chantel!
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  • Deanna B
    May 10, 2024
    4.0 out of 5.0
    Rating 4.0full star ratingfull star ratingfull star ratingfull star rating
    I was contacted by Chantel Dean. We made an appointment for her to come to my house. She arrived on time, was knowledgeable about the plans Bankers Life offers, very nice & pleasant young woman. She also had a trainee with her. Overall she did an exemplary job. I would recommend her to anyone.
    I was contacted by Chantel Dean. We made an appointment for her to come to my house. She arrived on time, was knowledgeable about the plans Bankers Life offers, very nice & pleasant young woman. She also had a trainee with her. Overall she did an exemplary job. I would recommend her to anyone.
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  • Donna M
    April 23, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Great customer service excellent establishing report with client knowledgeable in his products
    Great customer service excellent establishing report with client knowledgeable in his products
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  • Dennis T
    March 12, 2024
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Most excellent very helpful
    Most excellent very helpful
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  • Patsy T
    November 1, 2023
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    Jacari answered all of my questions. He was patient and considerate while doing so.
    Jacari answered all of my questions. He was patient and considerate while doing so.
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  • Aspen W
    October 5, 2023
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    An excellent Financial Advisor.
    An excellent Financial Advisor.
    Read More
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  • Hunter W
    October 5, 2023
    5.0 out of 5.0
    Rating 5.0full star ratingfull star ratingfull star ratingfull star ratingfull star rating
    he is my dad
    he is my dad
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Displaying reviews 1 - 4 out of the 20 most recent

FAQs

Insights From John
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understanding cash on the sidelines
Understanding “Cash on the Sidelines” and the Shifting Economic Landscape
As we navigate through changing economic times, it’s essential to understand some key financial concepts that impact both individual and global economic conditions. You may have heard of the concept, “Cash on the Sidelines,” which often comes up in discussions about stock markets and worries over high risk investments and keeping money in either cash or lower risk, lower-yield investments.
Middle aged couple embracing in autumn.
How to Navigate Social Security Survivor Benefits for a Spouse
"When a loved one passes away, you may need to take some time to process your emotions and seek solace. But when the loved one is your spouse, you may have to both grieve and address a handful of immediate issues, such as figuring out funeral arrangements and costs and sorting out estate, probate, and legal expenses.",Are 60 years old or older; or if you have a disability and are 50 years old or older,Were married for at least 9 months before your spouse passed,Didn’t remarry before age 60 (or age 50 if you have a disability),More than 75% at 61,More than 80% at 63,More than 90% at 65,The deceased’s death certificate,Your and the deceased’s Social Security number,Your birth certificate and marriage certificate (if applicable),"A term or whole life insurance policy can provide a lump sum upon a spouse’s death. This can help replace lost income, cover living expenses, and provide financial stability during an emotionally difficult time.",Annuities are contracts that guarantee regular income payments for life or a set period. Some annuities offer survivor benefits that provide ongoing income to spouses.,A well-funded 401(k) or IRA can supplement survivor benefits and help maintain financial stability.,"Stocks, bonds, and mutual funds can generate dividends and capital gains to supplement Social Security benefits.",Owning rental properties can generate a steady monthly passive income stream that doesn’t rely on employment or Social Security benefits.
Older couple sits in their kitchen with a financial advisor.
Protecting Your Nest Egg: Understanding Sequence Risk in Retirement
As you prepare for retirement, one of the most important considerations is how to ensure that your nest egg lasts throughout your lifetime and you don’t outlive your money. One risk that many may overlook is sequence risk, which occurs when you face poor market returns early in retirement while you’re drawing down your savings. This can cause long-term damage to your portfolio, leaving you vulnerable later on in life.
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Planning for Market Uncertainty: 5 Things to Consider If the Market Is Shaky
If you’re retired or nearing retirement, market uncertainty can feel unnerving. After you’ve spent decades working, saving, and planning, it’s natural to be concerned when the market dips or prices start rising.
Older couple sitting at table and smiling.
Annuity vs. Life Insurance: What’s the Difference?
As you think about how you want to approach planning for retirement, you’ll need to make decisions about how to manage financial risks and income. Annuities and life insurance policies are both excellent tools for doing that, but they serve different purposes.
Man on his laptop looking serious.
Annuities: A Financial Anchor in Times of Economic Instability
In times of economic instability, investors often seek safe havens to protect their financial future. Annuities, a financial product designed to provide a steady income stream, can be a valuable tool for those looking to mitigate risk and ensure stability. We’ll explore how annuities can serve as a reliable option during times of financial uncertainty.

Let's Talk About Your Plans for Long-Term Care!

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As people live longer and health care expenses continue to rise, the need for long-term care becomes more of a "when" than an "if" situation. That's why it's so important to be prepared and have discussions with your loved ones. Ready to start planning your next steps?

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