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HomeLife Insurance AgentsMinnesota › St Cloud

Find Life Insurance Agents Near You in St Cloud, MN

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

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.

Showing 20 life 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
2Kristen Stebbins - State Farm Insurance Agent1988 Co Rd 134(320) 251-8353
3Ken Bellicot - State Farm Insurance Agent2904 Roosevelt Rd #2(320) 251-4686
4The Lyle Group: Allstate Insurance30 15th Ave S(320) 253-4994
5Hess Partners Insurance Agency31 33rd Ave N(320) 255-0417
6Michael Brower Agency, Inc. American Family Insurance1727 W St Germain St(320) 252-5151
7Advantage 1 Insurance3801 3rd St N(320) 252-6650
8Rock City Insurance14 7th Ave N(320) 259-4003
9Moe Janssen Schee Agency: Allstate Insurance3717 3rd St N(320) 251-1383
10Auto-Owners Insurance St. Cloud Claims3601 18th St S(320) 251-1451
DA
300 23rd Ave N
Dan Anderson - State Farm Insurance Agent
Life Insurance Agent · St Cloud, MN

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.

KS
1988 Co Rd 134
Kristen Stebbins - State Farm Insurance Agent
Life Insurance Agent · St Cloud, MN

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.

KB
2904 Roosevelt Rd #2
Ken Bellicot - State Farm Insurance Agent
Life Insurance Agent · St Cloud, MN

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.

LG
30 15th Ave S
The Lyle Group: Allstate Insurance
Life Insurance Agent · St Cloud, MN

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.

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

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.

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

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.

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

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.

RC
14 7th Ave N
Rock City Insurance
Life Insurance Agent · St Cloud, MN

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.

MJ
3717 3rd St N
Moe Janssen Schee Agency: Allstate Insurance
Life Insurance Agent · St Cloud, MN

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.

AO
3601 18th St S
Auto-Owners Insurance St. Cloud Claims
Life Insurance Agent · St Cloud, MN

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.

LI
606 25th Ave S Ste. 204
Lamphere Insurance Group, LLC
Life Insurance Agent · St Cloud, MN
(320) 640-0633
lamphereinsgrp.com
HI
2233 Roosevelt Rd #4
Hess Insurance Agency LLC
Life Insurance Agent · St Cloud, MN
(320) 251-1515
hessinsuranceagency.com
FI
2700 1st St N #215
Federated Insurance Co
Life Insurance Agent · St Cloud, MN
(320) 314-3964
reps.federatedinsurance.com/st-cloud-mn-insurance-representative-chris-yasgar
BL
3400 1st St N Ste 204
Bankers Life
Life Insurance Agent · St Cloud, MN
(320) 252-8393
branches.bankerslife.com/mn/saint-cloud/3400-1st-st-n
GI
2789 Clearwater Rd #C
Gasperlin Insurance Agency
Life Insurance Agent · St Cloud, MN
(320) 252-6800
gasperlinagency.com
MA
536 25th Ave N
Moe Agency Inc
Life Insurance Agent · St Cloud, MN
(320) 253-7644
moeagencyinc.net
JH
606 25th Ave S #111
John Herman Insurance
Life Insurance Agent · St Cloud, MN
(320) 251-1997
johnhermanins.wixsite.com/johnhermanins
MH
1500 Oak Grove Rd SW #109
Mark Helminick
Life 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
Life Insurance Agent · St Cloud, MN
(320) 252-8393
agents.bankerslife.com/mn/saint-cloud/3400-1st-st-n/kari-pelzer
AC
3400 1st St N Ste 204
Andrea Christensen, Bankers Life Agent
Life Insurance Agent · St Cloud, MN
(320) 252-8393
agents.bankerslife.com/mn/saint-cloud/3400-1st-st-n/andrea-christensen

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.

Life Insurance Agents in Other Minnesota Cities

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