The top-rated life insurance agent in St Cloud, Minnesota is Dan Anderson - State Farm Insurance Agent, rated 5.0 stars across 611 reviews. Other highly rated options include Kristen Stebbins - State Farm Insurance Agent, Ken Bellicot - State Farm Insurance Agent, The Lyle Group: Allstate Insurance. This directory lists 20 life insurance agents serving St Cloud.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Dan Anderson - State Farm Insurance Agent | 300 23rd Ave N | (320) 253-4656 |
| 2 | Kristen Stebbins - State Farm Insurance Agent | 1988 Co Rd 134 | (320) 251-8353 |
| 3 | Ken Bellicot - State Farm Insurance Agent | 2904 Roosevelt Rd #2 | (320) 251-4686 |
| 4 | The Lyle Group: Allstate Insurance | 30 15th Ave S | (320) 253-4994 |
| 5 | Hess Partners Insurance Agency | 31 33rd Ave N | (320) 255-0417 |
| 6 | Michael Brower Agency, Inc. American Family Insurance | 1727 W St Germain St | (320) 252-5151 |
| 7 | Advantage 1 Insurance | 3801 3rd St N | (320) 252-6650 |
| 8 | Rock City Insurance | 14 7th Ave N | (320) 259-4003 |
| 9 | Moe Janssen Schee Agency: Allstate Insurance | 3717 3rd St N | (320) 251-1383 |
| 10 | Auto-Owners Insurance St. Cloud Claims | 3601 18th St S | (320) 251-1451 |
Dan Anderson - State Farm Insurance Agent serves the St Cloud, Minnesota area as a local life insurance agent. The company provides life insurance policies designed to help individuals and families plan for financial protection. Their services include term life insurance, which covers policyholders for a specified period, and whole life insurance, offering lifelong coverage with potential cash value accumulation. Additional offerings may include final expense insurance to help cover end-of-life costs. This agency handles term and whole life insurance solutions in the St Cloud region.
Kristen Stebbins - State Farm Insurance Agent in St Cloud, MN offers a range of life insurance products designed to provide financial protection for individuals and families. Service plans include policy reviews and updates to help ensure coverage adapts to changing life circumstances. Clients are assisted with the selection of suitable policies and the filing of claims as needed. The agency services single-family homes, apartments, retail businesses, and restaurants.
Homeowners and small business owners in St Cloud, MN come to Ken Bellicot - State Farm Insurance Agent for personalized life insurance coverage designed to safeguard their families and properties. The agent helps clients evaluate term and whole life policies that align with their long-term financial planning goals. Serving the St Cloud area also includes providing ongoing policy reviews to adapt to changing needs. Neighboring communities such as Sauk Rapids and Sartell are also covered under this local agency.
The Lyle Group: Allstate Insurance serves St Cloud and its surrounding communities in central Minnesota, handling a full range of life insurance policies designed to meet the varied financial and personal needs of local residents. The agency works with clients to review their specific coverage requirements, whether for income replacement, final expenses, or other long-term financial goals. Each typical job begins with a complete consultation to assess individual circumstances, followed by a tailored presentation of available policy options from which the client can choose.
Located in St. Cloud, MN, Hess Partners Insurance Agency understands the difference between one-term life policies and permanent, lifelong coverage. They help clients secure financial protection for their families through comprehensive life insurance options. Their guidance addresses both immediate and long-term planning needs, ensuring that individuals and families find appropriate coverage for their unique circumstances. Service runs on either a one-time policy purchase or a scheduled review basis, as needed by the client.
Michael Brower Agency, Inc. American Family Insurance helps clients in St Cloud secure financial protection through life insurance policies. The agency specializes in offering additional coverage options that address specific needs, such as income replacement for families. It assists individuals in designating beneficiaries to ensure a financial safety net upon a policyholder’s passing. Services are available for various commercial sectors, including offices, warehouses, and food service establishments.
As the snow and cold of a central Minnesota winter approach, many residents in St. Cloud begin reviewing their family financial protection plans. Advantage 1 Insurance provides focused life insurance agent guidance to help local families secure coverage that meets their evolving needs. The agent assists clients in understanding term, whole, and universal life options to suit different budgets and goals. An initial fact-finding consultation is scheduled to review personal circumstances and begin evaluating available policy solutions.
Rock City Insurance provides residential life insurance services to individuals in St Cloud, Minnesota, helping families secure financial protection for the future. The agency also offers commercial life insurance coverage tailored to local business owners and their key personnel. Their service area centers on St Cloud and the surrounding communities within central Minnesota. After an initial policy is set, the office follows up regularly to review coverage needs and makes adjustments during scheduled visits as circumstances change.
Moe Janssen Schee Agency: Allstate Insurance specializes in life insurance products designed to provide financial protection for families and individuals in St Cloud, MN. It also offers general insurance services to help clients manage risk and plan for long-term security. The agency assists customers in this area with navigating coverage options that suit their specific needs, from term to whole life policies. During the changing seasons, it helps local residents review their policies to account for life events such as a new home or an expanding family.
Auto-Owners Insurance St. Cloud Claims in St. Cloud, MN is known for providing life insurance policies that help families secure financial protection for the future. Its range of services includes term and whole life coverage to fit varying client needs. The agency assists local residents in selecting proper death benefit amounts and policy durations. As an additional specialty service, it can incorporate living benefits riders into policies for clients needing early access to funds.
What Does a a Life Insurance Agent in St Cloud Cost?
Life insurance costs in St Cloud Minnesota vary by age health policy type and coverage amount. A healthy 35 year old might pay 20 to 40 dollars per month for a 20 year term policy with 500000 dollars in coverage. Whole life policies typically cost 100 to 300 dollars per month for similar coverage. Minnesota does not regulate premium rates but agents must disclose all fees. This is general information not insurance advice.
About life insurance agents in St Cloud
Life insurance agents in St Cloud Minnesota help residents choose policies that protect their families and meet state requirements. Minnesota law does not require life insurance but agents must follow state licensing rules set by the Minnesota Department of Commerce. Local agents can explain how Minnesota community property laws and estate planning affect policy ownership and beneficiaries.
Frequently Asked Questions
What license does a life insurance agent need in St Cloud Minnesota?
Agents must hold a valid Minnesota resident insurance producer license for life insurance. They complete pre-licensing education pass a state exam and renew the license every two years with continuing education credits.
How does Minnesota law affect life insurance payouts?
Life insurance proceeds in Minnesota are generally not subject to state income tax. However if the policy is part of an estate it may be subject to Minnesota estate tax for estates over a certain exemption amount which changes annually.
Can a St Cloud agent help with a free look period in Minnesota?
Yes. Minnesota law gives policy buyers a free look period of at least 10 days after receiving the policy. During this time you can cancel for a full refund. Your agent can explain this right and the cancellation process.
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