The top-rated life insurance agent in West St Paul, Minnesota is Sonja Lhotka - State Farm Insurance Agent, rated 5.0 stars across 404 reviews. Other highly rated options include Health Insurance Advisors, LLC, GARCIA'S PRO&INSURANCE INC, Turitto Insurance Agency. This directory lists 13 life insurance agents serving West St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Sonja Lhotka - State Farm Insurance Agent | 1201 S Robert St Suite M3B | (651) 454-6555 |
| 2 | Health Insurance Advisors, LLC | 252 Marie Ave E Suite D | (651) 364-1623 |
| 3 | GARCIA'S PRO&INSURANCE INC | 1059 S Robert St W | (651) 621-1880 |
| 4 | Turitto Insurance Agency | 1349 S Robert St Ste 103 | (651) 455-4808 |
| 5 | Paul Weinberg - State Farm Insurance Agent | 1635 S Robert St | (651) 457-7119 |
| 6 | Steve Stremski - State Farm Insurance Agent | 1560 Livingston Ave Ste 101 | (651) 457-6348 |
| 7 | Insurance Advisors Ann-Marie Underhill Agency | 1074 S Robert St #109 | (651) 855-8484 |
| 8 | Meyer Peltier Insurance | 1549 Livingston Ave STE 102 | (651) 457-5454 |
| 9 | Farmers Insurance - Christine Smith | 433 Mendota Rd E Ste G | (612) 808-9908 |
| 10 | Fairway Insurance Brokers | 252 Marie Ave E Suite D | (952) 210-9631 |
Sonja Lhotka - State Farm Insurance Agent serves the West St Paul, Minnesota, area as a life insurance agency. The company helps individuals and families evaluate their financial protection needs. It guides clients through options for ensuring dependents are safeguarded against unexpected events. Policies discussed include term and whole life insurance. The agency also addresses final expense coverage and income replacement during working years.
Homeowners and local business owners in West St Paul, MN seek life insurance guidance from Health Insurance Advisors, LLC. The agency helps clients evaluate term, whole, and universal life policies to match financial goals. It advises on coverage amounts that protect families and business interests from unforeseen loss. The team assists with policy comparisons and explains how life insurance integrates with retirement and estate planning. They also serve clients throughout the greater Dakota County area and southern Twin Cities metro.
Garcia's Pro&Insurance Inc offers life insurance agent services to clients in West St Paul, Minnesota. Individuals can meet with an agent to select and maintain appropriate life insurance policies for their financial and family needs. Ongoing support includes policy reviews and adjustments as life circumstances change. The agency serves homeowners living in single-family houses, along with property owners of apartments, retail spaces, and restaurants.
Turitto Insurance Agency in West St Paul, MN, helps clients distinguish between term life policies, which provide coverage for a specific period, and permanent life insurance, which offers lifelong protection with potential cash value growth. Agents assess individual needs to recommend appropriate death benefit amounts and policy durations. Their service operates on an as-needed basis, typically involving an initial consultation followed by periodic reviews or when clients experience major life changes.
Located in West St Paul, MN, Paul Weinberg - State Farm Insurance Agent serves the surrounding communities with life insurance coverage. The agency handles various policies designed to provide financial protection for families and individuals in the area. It assists clients in understanding their coverage options to fit personal needs and budgets. For a typical job, the agent begins by reviewing the client's current situation and objectives, then tailors a plan to address those specific requirements for long-term security.
Steve Stremski - State Farm Insurance Agent in West St Paul, MN, specializes in life insurance policies designed to protect families financially. This office also assists clients with general insurance needs, including auto, home, and renters coverage, to build comprehensive protection plans. The agency helps individuals assess their coverage requirements for income replacement and final expenses. For those facing major life changes such as welcoming a new child or planning retirement, this local agent provides guidance to update coverage and ensure adequate long-term security.
As winter weather makes roads in West St Paul hazardous, securing reliable life insurance becomes a pressing concern for local families. Insurance Advisors Ann-Marie Underhill Agency serves residents in this category by offering professional guidance on policy options tailored to individual protection needs. Their advisors work directly with clients to assess coverage requirements and explain how different plans safeguard household financial stability. A first step in this process typically involves scheduling a complimentary in-person or virtual consultation to review current coverage and identify potential gaps.
Meyer Peltier Insurance in West St Paul, MN provides life insurance agent services to local residents. This includes helping clients assess their individual coverage needs for financial protection. The company focuses on offering life insurance policies that can assist with income replacement and final expense planning. For local businesses, it supports commercial sectors such as offices, warehouses, and food service operations in securing appropriate life insurance for key personnel and owners.
Farmers Insurance - Christine Smith serves residential clients in West St Paul, MN, with life insurance policies designed to protect families from financial hardship. Commercial coverage is also available for local businesses seeking to safeguard their operations and key personnel. The agency provides service throughout the West St Paul area, ensuring policyholders have access to personalized support. After an initial policy is issued, the agent follows up with clients to review coverage needs and offer adjustments as circumstances change, maintaining consistent communication between regular annual visits.
Fairway Insurance Brokers, based in West St Paul, MN, provides life insurance agent services for clients in the surrounding area. The company focuses on helping individuals and families select appropriate life insurance policies to meet their financial protection needs. It offers guidance on typical policy types available in the region, assisting with applications and coverage decisions. A specialty service this firm can add on is reviewing existing policies to assess whether current coverage still aligns with a client’s changing life circumstances.
What Does a a Life Insurance Agent in West St Paul Cost?
Life insurance costs in West St Paul vary by age health and policy type. A 35 year old non-smoker might pay 25 to 50 dollars per month for a 500000 dollar term life policy. Whole life policies cost more often 100 to 300 dollars per month for similar coverage. Rates also depend on the insurance company and the policy features. This is general information not insurance advice.
About life insurance agents in West St Paul
Life insurance agents in West St Paul Minnesota help residents choose policies that fit their needs and budget. Minnesota law requires agents to be licensed through the Minnesota Department of Commerce. Local agents can explain how Minnesota state laws affect policy options and beneficiary designations.
Frequently Asked Questions
What does a life insurance agent in West St Paul do?
A life insurance agent helps you compare policies from different companies. They explain coverage options and guide you through the application process. They also help with policy changes and beneficiary updates.
Do I need a license to sell life insurance in Minnesota?
Yes. All life insurance agents in Minnesota must hold a valid license from the Minnesota Department of Commerce. They must complete prelicensing education and pass a state exam.
How long do I have to file a life insurance claim in Minnesota?
Minnesota law does not set a specific deadline for filing a life insurance claim. However most policies require prompt notice. It is best to file as soon as possible after the insured person passes away.
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