Best Life Insurance In Minnesota

Minnesota’s life insurance laws are governed by Chapters 59A to 79A of the Minnesota Statutes.

  • 10-day free look period (MN Stat. Ann. 60A.06)
  • One-month grace period for every payment after the first one (MN 61A.03)
  • Claims accrue interest beginning from the date of death (MN 61A.011)
  • Guarantees up to $500,000 for lost death benefits and $130,000 for lost cash surrender value (source)

Keep in mind that life insurance laws are very similar from state to state (for example, Mississippi’s life insurance laws and Missouri’s life insurance laws are nearly identical to those of Minnesota).

How Much Is A $10,000 Whole Life Policy In Minnesota?

The table below shows the rates by age of $10,000 of whole life insurance in Minnesota.

AgeMaleMale (Smoker)FemaleFemale (Smoker)
20$14.94$17.34$13.72$16.29
25$15.91$17.83$14.93$17.57
30$17.24$20.44$16.53$19.35
35$18.85$21.78$17.59$20.88
40$21.00$24.99$19.69$23.81
45$23.43$28.92$22.31$27.36
50$28.06$34.02$24.94$32.14
55$32.23$40.23$27.92$37.33
60$38.58$47.48$33.47$42.13
65$48.29$58.60$41.18$50.24
70$60.61$71.71$52.44$60.50
75$97.74$133.32$71.58$94.76
80$134.68$182.27$98.30$135.69
85$188.48$258.13$132.27$192.40

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Best Life Assurance In Bloomington

Bloomington, nestled in the rolling hills of southern Indiana, is a vibrant city renowned for its rich cultural tapestry and educational prestige. It is home to the esteemed Indiana University, which brings a youthful energy and intellectual vigor to the city. Bloomington’s downtown is a bustling hub of activity, featuring an array of shops, restaurants, and entertainment options that cater to every taste. The city is also celebrated for its flourishing arts scene, with numerous galleries, theaters, and live music venues offering a variety of cultural experiences. Surrounded by picturesque parks and forests, Bloomington provides a perfect blend of urban sophistication and natural beauty, making it an ideal destination for students, families, and professionals seeking a dynamic and welcoming community.

Life Insurance AgencyAddressPhone
Minnesota Life Insurance Co2850 Metro Dr+16516651530
Value Plus Insurance10800 Lyndale Ave S+19528849600
Easy Quote, LLC10901 Nesbitt Ave S+16123884278
James M King Insurance5270 W 84th St Suite 305+19528812685
Canada Life8400 Normandale Lake Blvd+19529212168
VRJ Financial and Insurance Group LLC3800 American Blvd W Suite 1500+19523952628
Arcadia Insurance Group8400 Normandale Lake Blvd #920+19528566074
My Insurance Mentor900 American Blvd E+16123264023
Katy Hunter Insurance Agency8609 Lyndale Ave S #101g+19524600273
Leverty Insurance Strategies9001 E Bloomington Fwy Suite 122+19522344580
Globe Life American Income Division: Sparby Organization8011 34th Ave S # 250+16123691328
Paul Plum at Comparion Insurance AgencyCentennial Lake Office Park I, 7701 France Ave S Ste. 650+19522295689
Erica Brodd at Comparion Insurance AgencyCentennial Lake Office Park I, 7701 France Ave S Ste. 650+16124863339
Andrei Shofman at Comparion Insurance AgencyCentennial Lake Office Park I, 7701 France Ave S Ste. 650+19522295691
Thomas Anderson at Comparion Insurance AgencyCentennial Lake Office Park I, 7701 France Ave S Ste. 650+16126567380

Best Coverage In Minneapolis

Minneapolis is a vibrant city located in the heart of the Midwest, famous for its beautiful lakes, lush green parks, and rich cultural scene. Known as one half of the Twin Cities, with its sister city St. Paul, Minneapolis boasts a dynamic mix of contemporary art, music, and theater, alongside historic landmarks like the iconic Stone Arch Bridge. It’s also home to a diverse culinary scene, from cozy cafes to high-end restaurants, encapsulating flavors from around the globe. Minneapolis offers a unique blend of urban excitement and natural beauty, making it a lively and enchanting destination for visitors and residents alike.

Life Insurance AgencyAddressPhone
Minnesota Life Insurance Co2850 Metro Dr+16516651530
Louiza Niying, Bankers Life Agent6800 France Ave S Ste 400+19528352611
Spiegler Insurance Services3430 List Pl #4565+16126550853
Soleiman Insurance Agency2910 Pillsbury Ave+16129914004
Don Hoffer Insurance Agency5775 Wayzata Blvd #700+19525822995
MIDWEST INSURANCE LLC3554 Nicollet Ave+16122164900
Thrivent Insurance Agency600 Portland Ave+18888344504
Farmers Insurance – Tri Tang2522 Nicollet Ave Ste 202+16125013615
True North Insurance Agency2355 MN-36 #400+17634427524

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Best Policies In Rochester

Nestled in the scenic state of New York, Rochester stands as a city rich in historical charm and modern dynamism. Known as the Flower City for its beautiful lilac blooms and vibrant festivals, it also boasts a proud heritage as the birthplace of groundbreaking innovations, such as Kodak. Rochester is a hub of cultural diversity, offering an array of museums, art galleries, and performance venues like the renowned Eastman Theatre. The city caters to outdoor enthusiasts with its picturesque parks, such as Genesee Valley Park, and the serene beauty of Lake Ontario’s shores. With its blend of historical allure and contemporary vitality, Rochester offers a unique experience to residents and visitors alike.

Life Insurance AgencyAddressPhone
Larrabee-Essig Agency121 Main St S+15078673188
Heartman Insurance1635 Greenview Dr SW+15072883834
Dave Faupel Agency3552 West River Pkwy NW+15072698883
RLH Insurance & Benefits1491 Monterey Ln SW+15078846274
North Risk Partners2048 Superior Dr NW STE 100+15072887600
Stevenson Insurance410 1st Ave NW+15072895663
Brad Johnson – Aflac Insurance Agent2774 Commerce Dr NW+15072890400
Violet Torres – COUNTRY Financial Agent2001 2nd St SW #150+15072528700
Bankers Life1530 Greenview Dr SW Ste 210+15072890160
Chris Sanders Insurance Agency | A Farmers Union Agency1903 Broadway Ave S Suite 5+15072824411
Terry Gries at Comparion Insurance Agency320 Alliance Pl+15075776160
Jennifer (Jen) Schimek, Bankers Life Agent1530 Greenview Dr SW Ste 210+15072890160
My life guys2434 Superior Dr NW # 101+15075369176
Jesse Solberg, Bankers Life Agent1530 Greenview Dr SW Ste 210+15072890160
David Meyer, Bankers Life Agent1530 Greenview Dr SW Ste 210+15072890160

Best Life Cover In Duluth

Duluth, nestled along the picturesque shores of Lake Superior, is a vibrant city in Minnesota known for its natural beauty, historic charm, and bustling cultural scene. As a key port city, it boasts an impressive waterfront with the iconic Aerial Lift Bridge and offers numerous recreational opportunities including hiking on the Superior Hiking Trail, exploring the scenic North Shore, and enjoying waterfront activities. Duluth’s rich heritage is reflected in its well-preserved historic estates and museums, while its contemporary allure is highlighted by a thriving arts community, diverse dining options, and lively events year-round. Whether you’re seeking outdoor adventure, cultural experiences, or simply the tranquility of lakeside living, Duluth encapsulates a unique blend of natural splendor and urban sophistication.

Life Insurance AgencyAddressPhone
InsureMeDirectly1515 Kenwood Ave Suite 303+12183486566
Duluth Insurance Agency413 S 20th Ave E+12187244507
Young & Associates InsuranceSellwood Building, 202 W Superior St # 400+12187221481
Benes Insurance Services434-B N 57th Ave W+12186286180
Hamilton Monroe & Co.715 W Superior St Suite 200+12182035509
Hanlon and Associates Insurance Agency501 S Lake Ave #400+12184917855
Johnson Insurance Consultants302 W Superior St # 400+12186235885
Superior Retirement Services, LLC5231 E Superior St+12183904127
Rolf Flaig – State Farm Insurance Agent1315 W Arrowhead Rd+12187247988
Christensen Group Insurance394 S Lake Ave Suite 700+12185144541
Horace Mann Insurance Co: Kluenenberg Joseph313 N 40th Ave W+12186242815
Thielke Insurance Agency1927 W Superior St+12187244200
Isaacson & Associates LLC American Family Insurance40 W Central Entrance+12185205000
Dylan Merriman Agency LLC American Family Insurance2818 Piedmont Ave a+12187221178
Allison Hanig-Landrus Agency Inc American Family Insurance1131 E 4th St A+12184916304
Farmers Insurance – Mark Lipke394 S Lake Ave Ste 600+12185203001
Farmers Insurance – Robert Swor4929 Matterhorn Dr+12187274634

Best Life Insurance In Saint Paul

Nestled along the banks of the Mississippi River, Saint Paul is the vibrant capital of Minnesota. Known for its stately Victorian architecture, this city is steeped in rich history and cultural diversity. It serves as one half of the Twin Cities, with the bustling metropolis of Minneapolis on its border. Saint Paul is home to a plethora of museums, parks, and the famed Xcel Energy Center, making it a hub for both nature lovers and sports enthusiasts alike. With its charming neighborhoods, dynamic arts scene, and lively festivals throughout the year, Saint Paul offers a warm, welcoming atmosphere that encapsulates the spirit of the Midwest.

Life Insurance AgencyAddressPhone
True North Insurance Agency2355 MN-36 #400+17634427524
Wiessner Insurance250 Hamline Ave S+16516980771
Dominique Moore Insurance Services445 Etna St #62+16518009982
Champion Insurance Services Inc821 Raymond Ave #400+16516446464
Dominique Manor American Family Insurance1545 Larpenteur Ave W+16516399400
Insurance Brokers of MN, Inc. – Timothy Poston2136 Ford Pkwy #5084+16517319795
V J Insurance426 Wabasha St S+16513307208
Karl Evenson: Allstate Insurance7101 10th St N+16517958608
Minnesota Life Insurance Co: Lyle Thomas400 Robert St N+16516654148
The Grant Insurance Agency1821 University Ave W STE 107+16122602454
Hmong American Insurance Services Inc1090 Rice St+16517568476
Kub Affordable Insurance St Paul MN644 Olive St+12189228066
Lovan Insurance Agency1718 Lexington Ave N+14172942842
Vj Insurance625 University Ave W # 203+16513307208
Voosen Co1412 Prosperity Ave+16517748666
Jennifer Barlage American Family Insurance1545 Larpenteur Ave W+16516399400

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Top Life Insurance Companies In Minnesota

For the residents of the great state of Minnesota, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.

Transamerica

... “Immediate Solution” Whole Life Insurance
Policy Type Whole Life
States All except NY
Ages 0 – 85
Coverage $1,000 – $50,000 (varies by age)
Duration Lifelong
Waiting Period No
Rate Lock Yes
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants
What’s My Rate?
Approved Conditions
No approved conditions found.
Declined Conditions
No declinable conditions found.

Mutual of Omaha

... “Living Promise” Whole Life Insurance
Policy Type Whole Life
States All except NY
Ages 45 – 85
Coverage $2,000 – $50,000
Duration Lifelong
Waiting Period No
Rate Lock Yes
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
  • Moderately strict underwriting
What’s My Rate?
Approved Conditions
No approved conditions found.
Declined Conditions
No declinable conditions found.

Aetna

... “Protection Series” Whole Life Insurance
Policy Type Whole Life
States All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Ages 45 – 89
Coverage $2,000 – $50,000 (varies by age)
Duration Lifelong
Waiting Period No
Rate Lock Yes
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
  • N/A
What’s My Rate?
Approved Conditions
No approved conditions found.
Declined Conditions
No declinable conditions found.