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Find Final Expense Insurance Agents Near You in St Cloud, MN

Browse final expense insurance agents serving St Cloud, Minnesota. Updated 2026-07-14.

The top-rated final expense insurance agent in St Cloud, Minnesota is Dan Anderson - State Farm Insurance Agent, rated 5.0 stars across 617 reviews. Other highly rated options include Hess Partners Insurance Agency, Michael Brower Agency, Inc. American Family Insurance, Advantage 1 Insurance. This directory lists 19 final expense insurance agents serving St Cloud.

Showing 19 final expense insurance agents in St Cloud, MNListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1Dan Anderson - State Farm Insurance Agent300 23rd Ave N(320) 253-4656
2Hess Partners Insurance Agency31 33rd Ave N(320) 255-0417
3Michael Brower Agency, Inc. American Family Insurance1727 W St Germain St(320) 252-5151
4Advantage 1 Insurance3801 3rd St N(320) 252-6650
5Lamphere Insurance Group, LLC606 25th Ave S Ste. 204(320) 640-0633
6Hess Insurance Agency LLC2233 Roosevelt Rd #4(320) 251-1515
7Bankers Life3400 1st St N Ste 204(320) 252-8393
8Thrivent Financial2835 W St Germain St STE 550(612) 445-3751
9Gasperlin Insurance Agency2789 Clearwater Rd #C(320) 252-6800
10Moe Agency Inc536 25th Ave N(320) 253-7644
DA
300 23rd Ave N
Dan Anderson - State Farm Insurance Agent
Final Expense Insurance Agent · St Cloud, MN

Dan Anderson - State Farm Insurance Agent serves the St Cloud, MN area with final expense insurance services. This agency helps local families plan for end-of-life costs with burial and funeral expense policies. The agent works with clients to understand their needs and select appropriate coverage amounts. Final expense policies are designed to cover specific costs not paid by other insurance. The agency handles policy applications and assists with beneficiary designations for straightforward claims processing.

HP
31 33rd Ave N
Hess Partners Insurance Agency
Final Expense Insurance Agent · St Cloud, MN

Hess Partners Insurance Agency in St. Cloud, Minnesota, assists clients with final expense insurance, providing burial and end-of-life cost coverage through simplified policy options. The agency helps individuals understand permanent life insurance plans that cover funeral arrangements and unpaid medical bills, offering guidance on selecting appropriate benefit amounts. Its support includes policy adjustments and beneficiary updates throughout the life of the plan. The agency services individual policyholders, primarily homeowners and renters in single-family dwellings and residential apartments, along with some small retail businesses and restaurants needing burial benefit policies for their employees.

MB
1727 W St Germain St
Michael Brower Agency, Inc. American Family Insurance
Final Expense Insurance Agent · St Cloud, MN

Serving St. Cloud and the surrounding central Minnesota communities, the Michael Brower Agency, Inc. American Family Insurance handles final expense insurance for local families. It provides policies designed to cover funeral costs, burial services, and other end-of-life expenses without causing a financial burden. The agency focuses on helping clients select appropriate coverage amounts based on their individual needs and budget. To handle a typical job, it reviews a client’s existing assets and future wishes to recommend a straightforward policy that fills any coverage gaps.

A1
3801 3rd St N
Advantage 1 Insurance
Final Expense Insurance Agent · St Cloud, MN

As winter deepens in St Cloud, Minnesota, many families begin to consider how their final expenses will be handled. Advantage 1 Insurance responds by offering final expense insurance agent services tailored to local needs. This agency helps individuals manage end-of-life costs, such as burial and medical bills, so loved ones face fewer financial burdens. Clients are encouraged to schedule a straightforward initial assessment to review suitable coverage options.

LI
606 25th Ave S Ste. 204
Lamphere Insurance Group, LLC
Final Expense Insurance Agent · St Cloud, MN

Lamphere Insurance Group, LLC in St Cloud, MN assists clients with final expense insurance, a one-time purchase intended to cover funeral and burial costs, in contrast to recurring service options that provide ongoing health benefits. This coverage offers a death benefit specifically for end-of-life expenses, helping to relieve family financial burdens. All guidance is tailored to individual preferences and budgets. Service consultations are offered on a one-time, as-needed basis to address immediate planning needs.

HI
2233 Roosevelt Rd #4
Hess Insurance Agency LLC
Final Expense Insurance Agent · St Cloud, MN

Hess Insurance Agency LLC focuses on final expense insurance, helping clients secure coverage for end-of-life costs such as funeral arrangements and outstanding medical bills. Based in St. Cloud, MN, the agency guides residents through policy selection, tailoring coverage to individual financial situations. They assist with the entire application process, clarifying how benefits disburse to beneficiaries during a difficult time. For those concerned about the additional financial strain of winter funerals or medical expenses during the holiday season, the agency offers timely guidance on immediate coverage needs.

BL
3400 1st St N Ste 204
Bankers Life
Final Expense Insurance Agent · St Cloud, MN

As winter settles over St. Cloud, many families begin thinking about end-of-life planning to relieve loved ones of future financial burdens. Bankers Life helps local residents explore final expense insurance policies that can cover funeral costs and outstanding medical bills. The agent guides clients through available coverage levels and policy details specific to Minnesota regulations. They focus on explaining how a small monthly premium will provide a guaranteed death benefit. To begin this service, the company schedules a simple in-home consultation to assess the individual's insurance needs.

TF
2835 W St Germain St STE 550
Thrivent Financial
Final Expense Insurance Agent · St Cloud, MN

Based in St Cloud, MN, Thrivent Financial primarily assists families in planning for end-of-life expenses. Its specialty includes final expense insurance, which helps cover funeral costs and other outstanding debts. This service ensures that clients in the St Cloud area can manage these financial burdens effectively. The firm operates with a focus on affordable coverage options that fit individual budgets and needs within the community. It provides its services to a range of commercial sectors, including offices, warehouses, and food service locations across the region.

GI
2789 Clearwater Rd #C
Gasperlin Insurance Agency
Final Expense Insurance Agent · St Cloud, MN

Gasperlin Insurance Agency is known for helping clients in St Cloud, MN arrange final expense policies that cover end-of-life costs. The agency guides local families through selecting affordable whole life insurance with a fixed benefit. These services ensure funeral expenses, outstanding medical bills, or other final debts are handled without burdening survivors. Policy options generally remain accessible to seniors, requiring no medical exam for approval. The company can add on special riders for accidental death coverage to increase the payout for specific unexpected circumstances.

MA
536 25th Ave N
Moe Agency Inc
Final Expense Insurance Agent · St Cloud, MN

Moe Agency Inc provides final expense insurance services to residents in and around St Cloud, MN, helping families prepare for end-of-life costs with straightforward burial and funeral coverage. The agency serves local homeowners and renters seeking to ease the financial burden on loved ones. Their work focuses on matching individuals with simple whole life policies that remain in force for life. Between regular visits, the staff follows up to ensure coverage still meets the client’s current needs and assists with any policy adjustments required.

ST
4191 2nd St S
Stearns
Final Expense Insurance Agent · St Cloud, MN
(320) 314-5267
JH
606 25th Ave S #111
John Herman Insurance
Final Expense Insurance Agent · St Cloud, MN
(320) 251-1997
johnhermanins.wixsite.com/johnhermanins
MH
1500 Oak Grove Rd SW #109
Mark Helminick
Final Expense Insurance Agent · St Cloud, MN
(320) 230-9147
insurancebrokersmn.com/contact-us/office-locations/st-cloud
KP
3400 1st St N Ste 204
Kari Pelzer, Bankers Life Agent
Final Expense Insurance Agent · St Cloud, MN
(320) 252-8393
agents.bankerslife.com/mn/saint-cloud/3400-1st-st-n/kari-pelzer
NM
705 36th St S
Northwestern Mutual
Final Expense Insurance Agent · St Cloud, MN
(320) 223-6639
stcloud.nm.com
BG
4180 Thielman Ln #104
The Bauer Group - Horace Mann
Final Expense Insurance Agent · St Cloud, MN
(320) 251-9103
customer.horacemann.com/quote/locator/contact.aspx
AC
3400 1st St N Ste 204
Andrea Christensen, Bankers Life Agent
Final Expense Insurance Agent · St Cloud, MN
(320) 252-8393
agents.bankerslife.com/mn/saint-cloud/3400-1st-st-n/andrea-christensen
IN
22 Wilson Ave NE Ste 207
Independent
Final Expense Insurance Agent · St Cloud, MN
(320) 656-5828
superpages.com/bp/saint-cloud-mn/independent-insurance-consultants-L2710492505.htm
CH
3400 1st St N Ste 204
Connor Harens, Bankers Life Agent
Final Expense Insurance Agent · St Cloud, MN
(320) 252-8393
agents.bankerslife.com/mn/saint-cloud/3400-1st-st-n/connor-harens

What Does a a Final Expense Insurance Agent in St Cloud Cost?

In Minnesota, final expense insurance premiums depend on your age, gender, and health status. For a 70 year old male non smoker, a 10000 dollar policy may range from 60 to 100 dollars per month. Smokers and those with serious health conditions may pay 20 to 50 percent more. This is general information, not insurance advice.

About final expense insurance agents in St Cloud

Final expense insurance agents in St Cloud, Minnesota help residents secure coverage for funeral and burial costs. Minnesota law requires funeral homes to provide a general price list upon request, making it easier to estimate expenses. Local agents can guide you through policy options that fit your budget and needs.

Frequently Asked Questions

What is final expense insurance in St Cloud Minnesota?

Final expense insurance is a small whole life policy designed to cover funeral and burial costs. In Minnesota, these policies typically have face amounts between 5000 and 25000 dollars. They do not require a medical exam and are often issued to seniors.

How do Minnesota laws affect final expense insurance?

Minnesota has a 30 day free look period for life insurance policies, allowing you to cancel for a full refund. Also, Minnesota insurers cannot deny coverage based on pre existing conditions after the policy has been in force for two years, per the state's incontestability clause.

What is the typical cost for final expense insurance in St Cloud?

Costs vary by age, health, and coverage amount. For a 65 year old non smoker, a 10000 dollar policy might cost 40 to 70 dollars per month. Rates are higher for smokers or older applicants. Always compare quotes from multiple agents.

Final Expense Insurance Agents in Other Minnesota Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each final expense insurance agent's credentials and current standing with your state Department of Insurance.