The top-rated life insurance agent in St Paul, Minnesota is MN Benefits, rated 4.9 stars across 179 reviews. Other highly rated options include Juan Cervantes - State Farm Insurance Agent, HomeServices Insurance, Inc., Theisen Escobar Agency. This directory lists 31 life insurance agents serving St Paul.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MN Benefits | 75 W 5th St #310 | (763) 360-4879 |
| 2 | Juan Cervantes - State Farm Insurance Agent | 391 Ruth St N | (651) 793-0777 |
| 3 | HomeServices Insurance, Inc. | 119 14th St NW Suite 150 | (800) 277-0013 |
| 4 | Theisen Escobar Agency | 428 Minnesota St UNIT 500 | (651) 309-6040 |
| 5 | Garry Insurancenter | 2555 7th Ave E | (651) 777-8361 |
| 6 | Farmers Insurance - Patrick Loucks | 991 Smith Ave S W | (651) 714-7979 |
| 7 | Krog Insurance | 637 Snelling Ave N | (651) 483-2919 |
| 8 | Wilebski Insurance Agency | 101 5th St E suite 202 a | (651) 283-9371 |
| 9 | Securian Financial | 400 Robert St N | (651) 665-3500 |
| 10 | Insurance Group™ | 445 Minnesota St #1500 | (763) 233-6405 |
MN Benefits operates as a life insurance agent in St Paul, Minnesota, helping clients choose policies to provide financial security for their families. The company specializes in term and whole life insurance options, assisting individuals in finding coverage that meets their long-term needs. Its agents work with clients to assess appropriate benefit amounts and policy structures. Typical commercial client sectors served by this agency include offices, warehouses, and food service businesses.
Juan Cervantes - State Farm Insurance Agent serves the St Paul, Minnesota metro area, offering life insurance policies tailored to residents in that region. The agency helps individuals and families plan for financial protection and future income needs. Clients can work with the agent to secure term life coverage that provides a benefit for a specified period. The office also handles whole life insurance, which builds cash value over time while guaranteeing a death benefit.
HomeServices Insurance, Inc. provides life insurance for residential clients in and around St Paul, Minnesota, addressing needs such as income replacement and debt protection. Commercial coverage is also available for local business owners seeking key person or buy-sell policies. Serving the greater Twin Cities area, the agency guides customers through policy selection and underwriting. Following an initial plan review, clients can return for periodic updates or policy adjustments between regular visits.
Theisen Escobar Agency in St. Paul, Minnesota, offers life insurance products designed to provide financial protection for families and businesses. Their services include policy consultations, coverage assessments, and routine policy reviews to ensure plans remain aligned with changing needs. They assist with new applications, beneficiary updates, and claims processing support. The agency provides ongoing service to policyholders through regular check-ins and adjustments. They serve clients in single-family homes, apartments, retail establishments, and restaurants across the local area.
Garry Insurancenter serves homeowners, renters, and small business owners in St Paul, Minnesota, who require personalized life insurance guidance to protect their families and financial futures. The agency helps clients navigate various policy options, offering straightforward consultations on coverage that fits individual needs and budgets. Dedicated to clear communication and honest advice, this local agent understands the importance of planning for the unexpected in a community like St Paul. They also assist clients living in nearby Maplewood and other parts of the eastern metro area.
Shoppers can choose between a one-time policy for a specific term or a scheduled recurring plan that provides lifelong coverage through Farmers Insurance - Patrick Loucks. As a life insurance agent in St Paul, Minnesota, they help individuals select appropriate death benefit amounts for their families. Policies may protect against lost income, final expenses, or outstanding debts. Service runs on a one-time basis for term insurance or a scheduled basis for permanent coverage, depending on the chosen product.
Krog Insurance serves St Paul, Minnesota, and the surrounding communities. It handles life insurance coverage needs for local residents, helping to safeguard their families’ financial futures. The company offers guidance on policy selection and provides ongoing support as clients’ circumstances change. Using a thorough needs assessment to understand each client’s unique situation, it then recommends suitable coverage options to match their specific goals and budget.
Securian Financial, based in St Paul, Minnesota, is known for providing life insurance coverage to local individuals and families. The company addresses a range of needs, from basic term policies to more complex permanent plans that help with long-term financial protection. Clients receive guidance through the underwriting process and policy selection tailored to their specific circumstances. As a full-service agency, it offers the additional specialty of adding an accidental death benefit rider to new or existing policies.
What Does a a Life Insurance Agent in St Paul Cost?
Typical costs for life insurance in Minnesota vary by age, health, and policy type. A healthy 35-year-old might pay $25 to $50 per month for a 20-year term policy with $500,000 in coverage. Whole life policies can cost $100 to $300 per month for similar coverage. Costs also depend on the insurance company and your specific risk factors. This is general information, not insurance advice.
About life insurance agents in St Paul
Life insurance agents in St Paul, Minnesota help residents find coverage to protect their families financial future. Minnesota law requires agents to be licensed by the Minnesota Department of Commerce and follow specific regulations. Working with a local St Paul agent can provide guidance on policies that fit your needs and budget.
Frequently Asked Questions
What license does a life insurance agent need in Minnesota?
Agents must hold a valid Minnesota insurance producer license from the Department of Commerce. They must complete pre-licensing education and pass a state exam. Continuing education is required every two years to maintain the license.
How long can I wait to buy life insurance after moving to St Paul?
There is no legal waiting period to buy life insurance in Minnesota. You can apply for a policy as soon as you have a valid address and meet the insurers underwriting requirements. Some policies have a contestability period of two years from the issue date.
Does Minnesota have a grace period for life insurance premium payments?
Yes, Minnesota law provides a 30-day grace period for life insurance premium payments. If you miss a payment, the policy remains in force during this time. If you do not pay within 30 days, the policy may lapse or reduce in value.
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