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2024

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Best Life Insurance Companies in Rochester, MN

Our Recommended Top 18

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Rochester 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.

4987Reviewed

2999Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3552 West River Parkway, Rochester, MN 55901
WebsiteLicense: 40727670

Expertise.com Rating

Review Sources

Google
5.0 (50)
Facebook
5.0 (9)

Why choose this provider?

Located in Rochester, Connor Faupel Insurance Agency serves individuals, families, and businesses throughout the state. It provides life insurance policies and offers other insurance products, such as home, auto, and commercial insurance, as well as fixed annuities. It also works with a wide variety of insurance providers, such as North American Company For Life and Health Insurance, United Life Assurance Corporation, Integrity Insurance, and Encompass Insurance Company. Connor Faupel Insurance Agency has been in operation since 2017.

  • Life Insurance

111 Hill Street, Red Wing, MN 55066
WebsiteLicense: 40216383

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Review Sources

Facebook
5.0 (5)

Why choose this provider?

Serving Rochester, Brandon Markoe is an insurance agent offering a variety of insurance products. He provides service options such as life insurance, health insurance, pet insurance, and business insurance. Other policies include auto insurance, home insurance, condo insurance, and renter’s insurance. Brandon Markoe leads a team of agents through the Brandon Markoe State Farm agency. The office has a strong focus on helping its clientele manage the risks of everyday life.

  • Life Insurance
  • Health Insurance

3224 6th Avenue Northeast, Rochester, MN 55906
WebsiteLicense: 40246104

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Review Sources

Facebook
4.0 (4)

Why choose this provider?

Founded in the early 1990s, Harmony Insurance Group is a full-service independent firm in Rochester. It offers different types of life insurance plans as well as personal coverages for homeowners, rental or vacation property, vacant property, and auto. The company also has business policy options like commercial auto, commercial property, general liability, professional liability, liquor liability, and workers’ compensation. Other available services include farm insurance and recreational insurance. Harmony Insurance Group is licensed to provide insurance solutions in five states.

  • Life Insurance

5721 Bandel Road Northwest, Rochester, MN 55901
WebsiteLicense: 20290336

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Review Sources

Google
4.0 (210)
Facebook
4.0 (38)
Yelp
1.0 (1)

Why choose this provider?

Atlas Insurance Brokers sources policies from over 30 different insurance carriers to better address the coverage needs of its Rochester clientele. Its life insurance options are designed to help individuals protect their families even in mourning. The independent agency is fully enmeshed in the Rochester community, operating two locations across the metro and volunteering with charities like the Seasons Hospice and St. Peter’s AME Church. It is led by founder Vance Prigge, who formerly served as president of the Minnesota Independent Insurance Agents and Brokers Association.

  • Life Insurance
  • Health Insurance

242 South Main Street, Zumbrota, MN 55992
WebsiteLicense: 423

Expertise.com Rating

Review Sources

Facebook
5.0 (2)

Why choose this provider?

The Kalass Agency is a locally owned insurance agency that serves individuals and families in Rochester and the surrounding areas. It offers various life insurance policies, including term life insurance and permanent life insurance. It also provides long-term insurance, disability insurance, and annuities. Its carrier partners include the Blue Cross Blue Shield Association and Medica. The Kalass Agency's team of insurance agents is able to process insurance claims 24 hours a day.

  • Life Insurance
  • Health Insurance

2300 Superior Drive Northwest, Rochester, MN 55901
WebsiteLicense: 40324277

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Google
5.0 (10)
Facebook
5.0 (5)

Why choose this provider?

Suemaya Azad is an insurance agent for Farm Bureau Financial Services, which caters to clients in Rochester and the nearby communities. Active for over five years, she uses face-to-face interactions with clients to find them the right policies. Suemaya provides customers with life insurance policies for both term life and permanent contracts. She also examines a client's background to recommend coverages to protect their house, their spouse, or their children. Suemaya's other insurance products include auto and homeowners insurance.

  • Life Insurance

3159 Superior Drive Northwest, Rochester, MN 55901
WebsiteLicense: 20308205

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Review Sources

Facebook
5.0 (12)

Why choose this provider?

Horihan Insurance is a family-owned independent insurance agency that serves individuals, families, and businesses from Rochester and the rest of Minnesota. It offers both individual and group life insurance plans, as well as disability insurance and health insurance. Additionally, it provides homeowners insurance, auto insurance, professional liability insurance, and umbrella liability insurance. Owner Creighton Horihan has been working in the insurance industry for almost two decades. He is the co-owner of the row-crop farm North Prairie Farms.

  • Life Insurance
  • Health Insurance

109 Broadway Street North, Goodhue, MN 55027
WebsiteLicense: 20577499

Expertise.com Rating

Why choose this provider?

Voth Insurance is a local, full-service agency serving the Rochester community. For more than 40 years, it has been providing supplemental plans to clients such as life, health, and Medicare. Insurance coverage options are also available for farm operations. The agency partners with a wide range of insurance companies to offer tailored policies depending on clients' needs and preferences. These include Hay Creek Mutual, Progressive, Grinnell Mutual, and United Healthcare. Clients can contact the agency by phone or email to learn more about its products.

  • Life Insurance
  • Health Insurance

16 Mantorville Avenue North, Kasson, MN 55944
WebsiteLicense: 40151258

Expertise.com Rating

Review Sources

Google
4.0 (5)

Why choose this provider?

Stevenson Insurance, Inc., is an independent insurance agency that maintains multiple locations in Minnesota, including one in Rochester, which serves local residents and families. Owned by Jeff Stevenson, the agency offers a wide variety of personal and commercial insurance coverage options, including individual life, individual health, Medicare supplements, homeowners' insurance, group life, and group health. Its other life insurance products include traditional whole life, universal life, variable universal life, and other variations within each type.

  • Life Insurance

2766 Commerce Drive Northwest, Rochester, MN 55901
WebsiteLicense: 40703892

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Fortress Insurance & Financial Services is an insurance agency that caters to clients in the Rochester area. It works with various insurance companies, including Hagerty, Kemper, and MetLife. Its product line includes different life insurance options, such as term, universal, variable universal, and whole life insurance policies. In addition, it offers disability, long-term care, mortgage protection, and key person insurance plans. Mark Westerman is the owner of the firm. He holds a BA in Accounting degree.

  • Life Insurance
  • Health Insurance

826 Broadway Avenue South, Rochester, MN 55904
WebsiteLicense: 40262540

Expertise.com Rating

Review Sources

Facebook
4.0 (5)
Google
5.0 (3)

Why choose this provider?

Sandvik Insurance Agency is an independent agency that offers insurance to clients living in Rochester. It provides life insurance products across term life, universal life, whole life, and variable universal life options. The agency works with over 50 insurance providers, including Westbend, Integrity, AAA, and Western National Insurance. This allows its team of agents to provide clients with various policies to choose from. The company also has an online service center where clients can request policy changes.

  • Life Insurance

894 7th Street Northwest, Rochester, MN 55901
WebsiteLicense: 40034804

Expertise.com Rating

Review Sources

Google
4.0 (30)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Safechoice Insurance Agency serves the life insurance needs of residents in the Rochester area. As an independent insurance company, it has the capacity to provide clients with a diverse range of policy choices. By providing a comprehensive policy, the agency's insurance advisors help them plan for their family's financial stability. They also strive to thoroughly explain each policy's contents. The company's network of insurance carriers includes MetLife, American Modern, Bristol West, and Hagerty. Safechoice Insurance Agency also caters to Spanish-speaking clients.

  • Life Insurance

1635 Greenview Drive Southwest, Rochester, MN 55902
WebsiteLicense: 5483

Expertise.com Rating

Review Sources

Facebook
2.0 (3)
Google
5.0 (2)

Why choose this provider?

Active since 1963, Heartman Insurance is an independent agency that caters to individuals, families, and groups in Rochester. Its staff offers life insurance policies for both short-term plans and permanent contracts. They can educate first-time clients about different coverages, from final expenses to death benefits. They also compare the rates of different carriers and estimate their monthly, quarterly, and yearly expenses. Moreover, Heartman Insurance is a certified Trusted Choice® agency that works with multiple insurance carriers, including Lincoln Financial and Progressive.

  • Health Insurance
  • Life Insurance
  • Long Term Care

331 16th Avenue Northwest, Rochester, MN 55901

Expertise.com Rating

Review Sources

Google
5.0 (40)
Yelp
5.0 (1)

Why choose this provider?

All Apple Insurance Agency has been serving the insurance needs of customers in Rochester since 2008. It is a local and family-owned business offering various life insurance options, including term, whole, universal, and variable universal life insurance programs. Furthermore, the business also writes insurance policies for vehicles, properties, travels, special events, and businesses. All Apple Insurance Agency has an online service center, allowing the insured to request policy changes, make payments, get documents, or contact an agent during non-business hours.

  • Life Insurance

1016 Civic Center Drive, Rochester, MN 55901
WebsiteLicense: 20310239

Expertise.com Rating

Review Sources

Google
5.0 (11)

Why choose this provider?

Ellingson Insurance Group, LLC, is an insurance agency that serves individuals, families, and businesses in the Rochester area. It offers life insurance policies, which can cover education costs, final and living expenses, and financial security for a business. Moreover, it provides disability, health, and retirement insurance plans. John G. Ellingson is the founder of Ellingson Insurance Group and also serves as the president of the firm. He has been working in the insurance industry for more than 50 years.

  • Life Insurance

2048 Superior Drive Northwest, Rochester, MN 55901
WebsiteLicense: 40318023

Expertise.com Rating

Review Sources

Google
4.0 (14)

Why choose this provider?

North Risk Partners is a Rochester-based company that has been catering to the insurance needs of businesses, families, and individuals for more than 100 years. Its team of insurance professionals aims to deliver custom-tailored life insurance solutions to financially protect the policyholders' assets and income when they pass away. The team can assist in finding the right life insurance plan with coverage that meets the customer's budget considerations and needs. Additionally, North Risk Partners insures homes, boats, snowmobiles, recreational vehicles, and automobiles.

  • Life Insurance
  • Health Insurance

3228 6th Avenue Northeast, Rochester, MN 55906
WebsiteLicense: 20370715

Expertise.com Rating

Review Sources

Google
4.0 (54)
Facebook
5.0 (19)

Why choose this provider?

Ted W. Smith Insurance Services, Inc., is an independent insurance agency that provides services in Minnesota, Iowa, and Wisconsin. Located in Rochester, it offers various insurance products, such as life, business, personal, and health insurance products. It also offers special insurance programs for child daycare providers and drivers over 50. The company is affiliated with a select group of insurance carriers. It employs a consultative approach in the process of searching and securing insurance coverage for clients.

  • Life Insurance

914 North Broadway Avenue, Rochester, MN 55906
WebsiteLicense: 56851

Expertise.com Rating

Review Sources

Google
4.0 (31)
Facebook
4.0 (14)
Yelp
5.0 (1)

Why choose this provider?

Sue Madden has been a State Farm insurance agent for more than 28 years. Her Rochester-based office assists customers looking for life insurance coverages. In addition, she handles policies for healthcare, automobiles, homes, and businesses. Her team also offers banking solutions such as loans, savings, and checking accounts. Sue has won the Rochester People's Choice award consecutively since 2014. Her agency has received several recognitions through State Farm, including Crystal Excellence and Honors Club.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Connor Faupel Insurance Agency
3552 West River Parkway, Rochester, MN 55901
Brandon Markoe
111 Hill Street, Red Wing, MN 55066
Harmony Insurance Group
3224 6th Avenue Northeast, Rochester, MN 55906
Atlas Insurance Brokers
5721 Bandel Road Northwest, Rochester, MN 55901
The Kalass Agency
242 South Main Street, Zumbrota, MN 55992
Suemaya Azadi
2300 Superior Drive Northwest, Rochester, MN 55901
Horihan Insurance
3159 Superior Drive Northwest, Rochester, MN 55901
Voth Insurance
109 Broadway Street North, Goodhue, MN 55027
Stevenson Insurance, Inc.
16 Mantorville Avenue North, Kasson, MN 55944
Fortress Insurance & Financial Services
2766 Commerce Drive Northwest, Rochester, MN 55901
Sandvik Insurance Agency
826 Broadway Avenue South, Rochester, MN 55904
Safechoice Insurance Agency
894 7th Street Northwest, Rochester, MN 55901
Heartman Insurance
1635 Greenview Drive Southwest, Rochester, MN 55902
All Apple Insurance Agency
331 16th Avenue Northwest, Rochester, MN 55901
Ellingson Insurance Group, LLC
1016 Civic Center Drive, Rochester, MN 55901
North Risk Partners
2048 Superior Drive Northwest, Rochester, MN 55901
Ted W. Smith Insurance Services, Inc.
3228 6th Avenue Northeast, Rochester, MN 55906
Sue Madden
914 North Broadway Avenue, Rochester, MN 55906

Rochester, MN Life Insurance FAQs

  • Is life insurance necessary to obtain a mortgage in Rochester?

    In Rochester, getting a mortgage is usually not dependent on having life insurance. However, you should think about getting life insurance while taking on such a big financial obligation because it adds an extra layer of security for your loved ones. Additionally, it signifies that if you pass away, your family wouldn't have to face the responsibility of making mortgage payments.

  • What elements might have an impact on a Rochester life insurance policy's payout?

    The kind of policy, the policyholder's age and medical status at the time of purchase, the selected coverage level, and any unique restrictions or exclusions listed in the policy are some of the variables that can impact the payment from a life insurance plan in Rochester. Only the beneficiaries chosen by the insured are qualified to receive the life insurance benefit directly. The policyholder normally selects these beneficiaries.

  • What complications could hold up or delay a life insurance payout in Rochester?

    The following are some typical problems that might hold up or delay a Rochester life insurance payout:

    • Insufficient or inaccurate data or documentation in the application.
    • The insured passed away within two years of the life insurance policy's issuance.
    • Two years after purchasing the coverage, the insured committed suicide.
  • Do irrevocable life insurance trusts in Rochester allow you to alter your beneficiary?

    An irrevocable life insurance trust in Rochester cannot be amended to change the beneficiary, but there are still options for setting up and funding a new trust. With the help of a financial adviser, the present trust might sell the life insurance policy at its market value to a new, irrevocable trust.

  • Are there any circumstances in Rochester when a will can alter the beneficiary of a life insurance policy?

    Although it is uncommon, a will in Rochester may be able to alter the beneficiary of a life insurance policy. This occurs if the policy's primary and contingent beneficiaries pass away before the insured person since the insurance proceeds will be paid to the decedent's estate. The death benefit will thereafter be distributed to a new beneficiary in accordance with the provisions specified in the insured's will.

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