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Find Long-Term Care Insurance Agents Near You in St Cloud, MN
Looking for a long-term care insurance agent in St Cloud? Review the directory below to compare your options.
16 agents listed
Updated May 2026
St Cloud, MN
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Minnesota before hiring.
Showing 16 long-term care insurance agents in St Cloud, MN
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
The Lyle Group: Allstate Insurance
30 15th Ave S, St Cloud, MN 56301
(320) 253-4994
agents.allstate.com
Hess Partners Insurance Agency
31 33rd Ave N, St Cloud, MN 56303
(320) 255-0417
hesspartners.com
Moe Janssen Schee Agency: Allstate Insurance
3717 3rd St N, St Cloud, MN 56303
(320) 251-1383
agents.allstate.com
Advantage 1 Insurance
3801 3rd St N, St Cloud, MN 56303
(320) 252-6650
advantageoneins.com
Michael Brower Agency, Inc. American Family Insurance
1727 W St Germain St, St Cloud, MN 56301
(320) 252-5151
amfam.com
Rock City Insurance
14 7th Ave N, St Cloud, MN 56303
(320) 259-4003
rockcityagency.com
Lamphere Insurance Group, LLC
606 25th Ave S Ste. 204, St Cloud, MN 56301
(320) 640-0633
lamphereinsgrp.com
Bankers Life
3400 1st St N Ste 204, St Cloud, MN 56303
(320) 252-8393
branches.bankerslife.com
Moe Agency Inc
536 25th Ave N, St Cloud, MN 56303
(320) 253-7644
moeagencyinc.net
John Herman Insurance
606 25th Ave S #111, St Cloud, MN 56301
(320) 251-1997
johnhermanins.wixsite.com
Stearns
4191 2nd St S, St Cloud, MN 56301
(320) 314-5267
Mark Helminick
1500 Oak Grove Rd SW #109, St Cloud, MN 56301
(320) 230-9147
insurancebrokersmn.com
Ray Sauer Insurance & Financial
1812 25th St SE, St Cloud, MN 56304
(320) 208-9250
The Bauer Group - Horace Mann
4180 Thielman Ln #104, St Cloud, MN 56301
(320) 251-9103
customer.horacemann.com
Andrea Christensen, Bankers Life Agent
3400 1st St N Ste 204, St Cloud, MN 56301
(320) 252-8393
agents.bankerslife.com
Independent
22 Wilson Ave NE Ste 207, St Cloud, MN 56304
(320) 656-5828
superpages.com
Long-term care insurance agents in St Cloud, Minnesota help you find coverage for nursing home, assisted living, and home care. Minnesota offers the Partnership for Long-Term Care program, which allows you to protect assets while qualifying for Medical Assistance. An agent can explain how these state-specific rules apply to your situation.
What Does a Long-Term Care Insurance Agent in St Cloud Cost?
Long-term care insurance premiums in Minnesota vary based on age, health, and coverage amount. For a 55-year-old, a policy with a 3-year benefit period and 5% inflation protection might cost between $1,500 and $3,000 per year. Costs for a 65-year-old can range from $2,500 to $5,000 annually. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a long-term care insurance agent in St Cloud do?
An agent helps you compare policies from different insurance companies. They explain coverage options, benefit periods, and inflation protection. They also guide you through Minnesota-specific programs like the Partnership plan.
Is long-term care insurance required in Minnesota?
No, long-term care insurance is not required by law in Minnesota. However, it can help you pay for care without using all of your savings. Some people buy it to qualify for the Minnesota Partnership program and protect assets.
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BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Minnesota.