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Looking for a life insurance agent in St Cloud? Review the directory below to compare your options.
20 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 20 life 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.
Dan Anderson - State Farm Insurance Agent
300 23rd Ave N, St Cloud, MN 56303
(320) 253-4656
insuremedan.com
Kristen Stebbins - State Farm Insurance Agent
1988 Co Rd 134, St Cloud, MN 56303
(320) 251-8353
kristenstebbins.com
Ken Bellicot - State Farm Insurance Agent
2904 Roosevelt Rd #2, St Cloud, MN 56301
(320) 251-4686
agentwhocares.com
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
Auto-Owners Insurance St. Cloud Claims
3601 18th St S, St Cloud, MN 56301
(320) 251-1451
auto-owners.com
Lamphere Insurance Group, LLC
606 25th Ave S Ste. 204, St Cloud, MN 56301
(320) 640-0633
lamphereinsgrp.com
Hess Insurance Agency LLC
2233 Roosevelt Rd #4, St Cloud, MN 56301
(320) 251-1515
hessinsuranceagency.com
Bankers Life
3400 1st St N Ste 204, St Cloud, MN 56303
(320) 252-8393
branches.bankerslife.com
Federated Insurance Co
2700 1st St N #215, St Cloud, MN 56303
(320) 314-3964
reps.federatedinsurance.com
Moe Agency Inc
536 25th Ave N, St Cloud, MN 56303
(320) 253-7644
moeagencyinc.net
Gasperlin Insurance Agency
2789 Clearwater Rd #C, St Cloud, MN 56301
(320) 252-6800
gasperlinagency.com
John Herman Insurance
606 25th Ave S #111, St Cloud, MN 56301
(320) 251-1997
johnhermanins.wixsite.com
Mark Helminick
1500 Oak Grove Rd SW #109, St Cloud, MN 56301
(320) 230-9147
insurancebrokersmn.com
Kari Pelzer, Bankers Life Agent
3400 1st St N Ste 204, St Cloud, MN 56301
(320) 252-8393
agents.bankerslife.com
Andrea Christensen, Bankers Life Agent
3400 1st St N Ste 204, St Cloud, MN 56301
(320) 252-8393
agents.bankerslife.com
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.
What Does 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.
* 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 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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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.