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Best Life Insurance Companies in Duluth, MN

Our Recommended Top 16

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Duluth Life Insurance Companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

3748Reviewed

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16Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

230 West Superior Street, Duluth, MN 55802
WebsiteLicense: 40286447

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (3)

Why choose this provider?

South Lake Insurance is an independent company that provides services to families and individuals in the Duluth metro and the surrounding communities. In addition to life insurance, it offers other personal plans, such as home and auto insurance. The company also deals with clients who need assistance in acquiring commercial policies. Its agents can access different insurance products from various carriers like Nationwide and Progressive. Andrew J. Biscay is an insurance broker who has been the company's president since 2019.

  • Life Insurance

434-B North 57th Avenue West, Duluth, MN 55807
WebsiteLicense: 40132892

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Review Sources

Google
4.0 (8)

Why choose this provider?

Benes Insurance is an independent insurance agency that serves clients in and around Duluth. Its staff has over 40 years of combined insurance experience helping clients with their personal and business insurance needs. It drafts life insurance policies for individuals that allow them to protect their families in the event of death. Clients may choose between term life, whole life, and universal life insurance. Furthermore, the firm's team of insurance professionals can write policies for homeowners, automobiles, and businesses.

  • Life Insurance
  • Health Insurance

200 West Superior Street, Duluth, MN 55802
WebsiteLicense: 40051469

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Review Sources

Facebook
5.0 (19)
Google
5.0 (7)

Why choose this provider?

Great Lakes Insurance Agency is an independent company that provides its services to residents and businesses from its Duluth and Cloquet offices. It carries life insurance products like term life, whole life, and universal life insurance plans. Moreover, it provides commercial insurance packages that include retail business, manufacturer, and contractor/tradesman insurance, as well as business owners’ policies. Don and Kristie Lathrop founded the agency in 1998 as a captive agency. They decided to become independent eight years later, in 2006.

  • Life Insurance

4897 Miller Trunk Highway, Hermantown, MN 55811
WebsiteLicense: 40197095

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Review Sources

Facebook
5.0 (1)

Why choose this provider?

Tick Tock Benefits has been providing businesses and individuals in the Duluth area with benefits and enrollment solutions for the past 16 years. It offers a wide range of life and health insurance options, including individual and group insurance, dental, vision, and disability coverage. It also provides assistance with Medicare supplements and long-term care as well as other supplements to health insurance products. Tick Tock Benefits also offers coverage for identity theft, payroll deduct plans, and business insurance.

  • Life Insurance
  • Health Insurance

1317 Tower Avenue, Superior, WI 54880
WebsiteLicense: 9432

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Google
5.0 (2)
Facebook
3.0 (2)

Why choose this provider?

Field Connolly Insurance is an independent insurance company that has served individuals, families, and businesses throughout the Duluth metro since 1980. The family-owned company offers life and disability insurance, including permanent life, universal life, whole life, term life, and disability income insurance. Additionally, Field Connolly Insurance has insurance packages like homeowner's insurance, auto insurance, and commercial insurance policies which it offers its clients through its partner carriers such as Progressive, West Bend, and Badger Mutual.

  • Life Insurance

4884 Miller Trunk Highway, Hermantown, MN 55811
WebsiteLicense: 40248399

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Review Sources

Google
5.0 (7)

Why choose this provider?

Northland Group is an insurance provider serving Duluth. It offers life insurance products that help customers protect their family’s financial security. Various options are available, including term, permanent, whole, whole life plus term, and variable life insurance. Accelerated underwriting is possible in some cases. As part of its mission to provide comprehensive financial solutions, Northland Group also gives advice on annuities, investments, retirement strategies, long-term care, and disability income insurance. The team has almost 50 years of experience in the industy.

  • Life Insurance

202 West Superior Street, Duluth, MN 55802
WebsiteLicense: 593

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Review Sources

Google
4.0 (53)

Why choose this provider?

Duluth-based insurance agency, Young & Associates Insurance has served the insurance needs of residents and businesses in Superior, Hermantown, Proctor, and surrounding areas since 1954. It is an independent insurance firm that carries plans like life, auto, home, motorcycle, and boat insurance. The company also offers other insurance options including truck and business coverage. Thomas Young, Sr. started his insurance career in 1954 with MacGregor Bradley Agency that was founded in 1898. Thomas purchased MacGregor Bradley Agency in 1976.

  • Life Insurance

501 South Lake Avenue, Duluth, MN 55802
WebsiteLicense: 40427458

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Review Sources

Google
4.0 (119)
Facebook
5.0 (24)

Why choose this provider?

Hanlon & Associates is a Duluth-based insurance brokerage that was established in 2014. It offers life insurance coverage options to protect individuals and their families. Its team of independent agents works with multiple carriers to shop for tailored solutions based on clients' needs and financial goals. The list of partners includes Grinnell Mutual, Integrity Insurance, The Main Street America Group, and Western National Insurance. Aside from helping clients secure their futures, the agency is also affiliated with networking groups and volunteer organizations.

  • Life Insurance

325 South Lake Avenue, Duluth, MN 55802
WebsiteLicense: 40318213

Expertise.com Rating

Review Sources

Facebook
5.0 (21)
Google
4.4 (9)

Why choose this provider?

J3 Insurance is an independent agency in Duluth. They handle different types of life insurance ranging from temporary to permanent plans. They use a formula to help determine what kind of insurance will fit a client best. The company offers other insurance plans that cover health, home, auto, business, and bonds. J3 is named after Joe, Jason, and Jeff, its current owners who are experts in different backgrounds. They have been serving clients since 2005.

  • Life Insurance
  • Health Insurance
  • Term Life Insurance

1315 West Arrowhead Road, Duluth, MN 55811
WebsiteLicense: 20117846

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Review Sources

Google
4.0 (12)
Facebook
5.0 (1)

Why choose this provider?

Rolf Flaig is a life insurance agent who serves Duluth and the surrounding areas. He offers various life insurance options, such as term, whole, and universal life insurance. Flaig also provides insurance policies for condominium owners, homeowners, vehicles, and pets. He has been an agent at State Farm since 1993 and opened his own agency in 1998. He leads a team of insurance professionals who has more than 50 years of combined experience.

  • Life Insurance
  • Health Insurance

5713 Grand Avenue, Duluth, MN 55807
WebsiteLicense: 7622

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (6)
Yelp
1.0 (1)

Why choose this provider?

Established in 1931, Holden Insurance Agency Inc. is an independent brokerage serving individuals and residents in Duluth. It offers a wide range of personal and commercial policies, including life insurance policies. Clients can choose from whole life, term life, and universal life insurance policies, with the amount and frequency of premium payments set by the policyholder. Health insurance, Medicare, and Affordable Care Act are also available. The brokerage has five other offices across Northwestern Wisconsin and Northern Minnesota.

  • Life Insurance

413 South 20th Avenue East, Duluth, MN 55812
WebsiteLicense: 40007350

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Duluth Insurance Agency has been providing clients in the metro with life insurance products for 10 years. The independent agency strives to deliver personalized service to find individuals and families the right life insurance policies that can help secure their long-term future. Some expenses, such as funeral and caregiver costs for children, can also be covered. Duluth Insurance Agency's staff has more than 25 years of combined experience in the industry. The other insurance products the agency offers include homeowners', health, and commercial insurance.

  • Health Insurance

Attorney Information

Attorney NameBar StatusExperience
Wade Smith - OwnerActive5 yrs

2104 East 5th Street, Superior, WI 54880
WebsiteLicense: 20125496

Expertise.com Rating

Review Sources

Google
4.0 (34)

Why choose this provider?

Established in 1963, De Smet Agency Inc. provides life insurance policies to the residents of Duluth. It shops for different plans and compares the rates of national and regional carriers, such as Foremost and Safeco. The agents at this company estimate the monthly payments and annual expenses of term life and whole life policies. They also educate first-time clients about living and death benefits, from cash growth to premium rates. De Smet Agency Inc. also updates background information, such as new spouses or children, for existing policies.

  • Life Insurance

2221 Tower Avenue, Superior, WI 54880

Expertise.com Rating

Why choose this provider?

Insurance Services has been in the business since 1984. This locally owned and operated business caters to clients in Duluth. It offers individual and group life insurance plans. The professionals from this company have employee, dependent, and universal term coverages. They also have optional life and accidental death and disfigurement plans. The latter offers additional financial support in cases of an accidental and sudden loss of speech, sight, hearing, paralysis or disfigurement, or dismemberment. This can be added to the basic group life insurance.

  • Life Insurance

2631 West Superior Street, Duluth, MN 55806
WebsiteLicense: 97

Expertise.com Rating

Review Sources

Google
4.0 (9)
Facebook
5.0 (3)

Why choose this provider?

Cartier Insurance, a Duluth-based insurance ageny, serves individuals and businesses throughout the area. This insurance agency offers various insurance products, such as employee benefits. These include individual and group life insurance, as well as disability and long-term care insurance plans. Its team also provides clients the option to customize packages according to their needs. Cartier Insurance carries a wide selection of policies from multiple insurance companies in the market. Other insurance products offered by the company include health insurance. The firm was established in 1979.

  • Life Insurance
  • Health Insurance

1504 Minnesota 33, Cloquet, MN 55720
WebsiteLicense: 40310366

Expertise.com Rating

Review Sources

Google
5.0 (57)
Facebook
4.0 (13)

Why choose this provider?

Paul Schwarz is an insurance agent from Cloquet who has been working in State Farm since 2011. He and his team offer auto, home, life, health, and business insurance solutions to clients in Carlton and surrounding Minnesota areas, including Duluth. Vanessa Josephson is the account representative of the team who assists drivers with vehicle claims and billing. Jason Dusek is the team's new insurance account representative. He helps new clients by discussing insurance solutions that fit their needs.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
South Lake Agency
230 West Superior Street, Duluth, MN 55802
Benes Insurance
434-B North 57th Avenue West, Duluth, MN 55807
Great Lakes Insurance Agency
200 West Superior Street, Duluth, MN 55802
Tick Tock Benefits
4897 Miller Trunk Highway, Hermantown, MN 55811
Field Connolly Insurance
1317 Tower Avenue, Superior, WI 54880
Northland Group
4884 Miller Trunk Highway, Hermantown, MN 55811
Young & Associates Insurance
202 West Superior Street, Duluth, MN 55802
Hanlon & Associates
501 South Lake Avenue, Duluth, MN 55802
J3 Insurance
325 South Lake Avenue, Duluth, MN 55802
Rolf Flaig
1315 West Arrowhead Road, Duluth, MN 55811
Holden Insurance Agency, Inc
5713 Grand Avenue, Duluth, MN 55807
Duluth Insurance Agency
413 South 20th Avenue East, Duluth, MN 55812
De Smet Agency Inc
2104 East 5th Street, Superior, WI 54880
Insurance Services
2221 Tower Avenue, Superior, WI 54880
Cartier Insurance
2631 West Superior Street, Duluth, MN 55806
Paul Schwarz
1504 Minnesota 33, Cloquet, MN 55720

FAQs

  • What are the benefits of having life insurance in Duluth?

    In Duluth, life insurance offers crucial benefits, including financial support for your family upon your passing, ensuring your children's education and long-term security, and securing lower premiums when you're young and healthy. It also protects descendants from debt and unexpected long-term care costs, covers medical and end-of-life expenses, and allows you to leave a meaningful legacy in retirement, making it a prudent choice for financial security and peace of mind.

  • What is final expense insurance in Duluth?

    In Duluth, final expense insurance, also known as burial insurance, is a form of whole life insurance used to assist in the payment of funeral costs. The insured appoints a trustworthy individual as the beneficiary of the policy, allowing that person to use the death benefit to cover final expenses such as cremation or burial, urns, caskets, and related costs.

  • Is it possible to have more than one life insurance policy in Duluth?

    Yes, you can have multiple insurance policies from different companies in Duluth. For example, if you already have life insurance through your employer and need more coverage, you can enroll in your company's plan and have the premiums deducted from your pay. A policy can also be purchased through a bank, financial advisor, insurance agent, or credit union. In the event of your death, both plans will pay a death benefit to your designated beneficiaries.

  • How do you file a life insurance claim in Duluth?

    To begin a life insurance claim as a beneficiary in Duluth, contact the deceased individual's insurance provider and inform them of their death. You must fill out a form provided by the company and submit it with an authenticated death certificate. Once a claim is made on a life insurance policy, the death benefit check is usually received within a few days to a few weeks.

  • What are some of the factors that you should take into account when identifying the amount of life insurance you need in Duluth?

    Several important factors should be considered when calculating your required life insurance coverage in Duluth. These include your marital status and your spouse's potential income, any additional income sources other than your salary, the number of dependents on your financial support, and any special needs such as education funding, mortgage payoff, or estate planning. To arrive at a comprehensive and adequate coverage amount, it is also necessary to account for any death benefits that may be available through employer-sponsored life insurance policies and social security.

  • Which is better, term or whole life insurance?

    Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

  • How much life insurance do I need?

    A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

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