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Best Life Insurance Companies in Fargo, ND

Our Recommended Top 19

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

4161Reviewed

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19Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

428 25th Street South, Fargo, ND 58103
WebsiteLicense: 15787107

Expertise.com Rating

Review Sources

Google
4.0 (56)

Why choose this provider?

Fargo Moorhead Insurance is an independent insurance agency that has been serving clients in the local metro since 1972. It provides life insurance products that come in a range of options, such as term, whole, universal, and permanent life. The company also offers health insurance coverages for individuals and groups along with Medicare supplements. In addition, Fargo Moorhead Insurance provides insurance policies to farm owners who need coverage for their machinery and equipment, property, and livestock.

  • Life Insurance
  • Health Insurance

3357 39th Street South, Fargo, ND 58104
WebsiteLicense: 20290707

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Review Sources

Google
3.0 (2)
Facebook
5.0 (2)
Yelp
5.0 (2)

Why choose this provider?

Far North Insurance is a Fargo-based agency guiding clients in the local metro regarding a variety of life insurance products. These policies include mortgage payments, debt settlements, estate tax funding, retirement plans, and coverage for college fees. Plus, the company helps individuals or families maintain a standard of living. Business coverage encompasses property and liability, workers' compensation, specialty products, commercial vehicles, and bonds. Far North Insurance also writes its own policies aside from representing carriers.

  • Life Insurance

3441 45th Street South, Fargo, ND 58104
WebsiteLicense: 5738076

Expertise.com Rating

Review Sources

Facebook
4.0 (21)
Google
5.0 (10)

Why choose this provider?

Heritage Insurance Services is an independent insurance agency that provides services in Fargo and other areas. Its policies include coverage for life, business, and personal insurance. Additionally, it also offers products that cover farm and ranch, crop, and hail. The family-owned company represents over 20 carriers to ensure a variety of choices that meet clients’ needs. Its agents also provide attentive guidance for its customers in navigating the claims process. Heritage Insurance Services gives back to the community through donations, scholarships, volunteering, and other projects.

  • Life Insurance
  • Health Insurance

5192 51st Avenue South, Fargo, ND 58104
WebsiteLicense: 11473062

Expertise.com Rating

Review Sources

Google
5.0 (41)
Facebook
5.0 (10)

Why choose this provider?

Glenn DeVold is an agent for Nodak Insurance Company in Fargo. He serves individual and business clients by providing life, home, auto, business, and farm and ranch insurance policies. He also offers financial planning services such as retirement funding, annuities, estate strategies, education planning, and mutual funds. Glenn served as part of the North Dakota Army National Guard for eight years. He also has seven years of experience in mortgage lending. He has been working in the insurance agency since 2008.

  • Life Insurance

1241 Prairie Parkway, West Fargo, ND 58078
WebsiteLicense: 2000127705

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Review Sources

Google
5.0 (54)
Facebook
4.7 (12)

Why choose this provider?

Absolute Insurance Agency, LLC, has been providing services to individuals, businesses, and farms in Fargo and the surrounding areas for over 80 years. It helps customers protect its dependents by offering life, long-term care, health, disability, and dental insurance products. Also included in its product line are builder's risk, equipment, general liability, property, and umbrella insurance policies. Pat Jones, one of the owners, has earned his CIC designation in 2005. He holds a bachelor's degree in marketing.

  • Life Insurance
  • Health Insurance

158 West Beaton Drive, West Fargo, ND 58078
WebsiteLicense: 20290579

Expertise.com Rating

Review Sources

Google
4.0 (14)

Why choose this provider?

TCI Insurance is a family-owned life insurance company serving clients in Fargo and nearby areas. The firm offers several types of life insurance, such as universal, whole, and term. Its team of insurance professionals is committed to protecting the assets of customers. Currently led by Doug Johnson, the company has been providing insurance solutions to the company since 1985. TCI Insurance has partnered with top insurance carriers for its insurance products and risk management services.

  • Life Insurance

1516 Main Avenue, Moorhead, MN 56560
WebsiteLicense: 659883

Expertise.com Rating

Review Sources

Google
3.0 (42)

Why choose this provider?

Moorhead Insurance Agency, Inc., provides services in Fargo and the surrounding metros. Its owner, Steve Ness, started in the insurance industry in 2004 before buying Moorhead Insurance in 2008. He specializes in commercial and personal lines insurance policies. Aside from the typical life insurance coverage, he and his team also offer supplemental policies that include annuities, long-term care, and disabilities insurance products. Moorhead Insurance Agency also has commercial, farm, homeowners’, and recreational vehicle insurance solutions.

  • Life Insurance

619 South University Drive, Fargo, ND 58103
WebsiteLicense: 2000116858

Expertise.com Rating

Review Sources

Google
4.8 (18)
Facebook
4.2 (10)
Yelp
5.0 (1)

Why choose this provider?

Grand Slam Insurance is an independent insurance agency serving clients in Fargo and its neighboring areas. The agency offers life insurance products, which include term and whole life plans, to individuals and businesses. It also provides a choice of personal insurance solutions to homeowners and automobiles, with coverage for liability and medical payments. Moreover, it assists clients in filing claims and requesting a change for policy. Grand Slam Insurance is affiliated with numerous insurance companies like Foremost and MetLife in providing a choice of coverage policies.

  • Life Insurance
  • Individual Plans
  • Group Plans

745 31st Avenue East Suite 100, West Fargo, ND 58078
WebsiteLicense: 20292159

Expertise.com Rating

Why choose this provider?

Consolidated Benefits & Insurance Services is an independent insurance broker that was founded more than 35 years ago. It has been representing more than 50 insurance producers in Fargo and the surrounding areas. It provides and delivers high-quality insurance products and solutions to individuals, insurance professionals, and businesses. Its products include individual plans such as vision coverage, disability coverage, life insurance, health insurance, and dental insurance. The company also offers broker services where it assists brokers in various insurance products.

  • Life Insurance
  • Health Insurance
  • Dental Insurance

623 Main Avenue East, West Fargo, ND 58078
WebsiteLicense: 2000144902

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

Farmers Union Insurance is a local business that has been dealing with the life insurance concerns of Fargo clients for over 78 years. The service provider helps individuals acquire the proper amount of life insurance that can cover their families' goals. In the event of the policyholders' untimely demise, the insurance carriers can pay for debt, education, lost income, and business fund. The types of life insurance available include term, whole, universal, indexed universal, and burial plans.

  • Life Insurance
  • Health Insurance

1401 8th Street South, Moorhead, MN 56560
WebsiteLicense: 20293236

Expertise.com Rating

Review Sources

Facebook
5.0 (9)
Yelp
2.0 (1)

Why choose this provider?

Dave Eggers is a State Farm insurance agent who has been handling the needs of clients in Fargo and Moorhead since 1995. Eggers provides individuals and families different types of life insurance policies, including term life, whole life, and universal life insurance. He also offers auto, homeowners, renters, condo, and business insurance. He has 9 years of experience in claims management and has been running his State Farm agency for over 25 years. He graduated from the Bemidji State University and is a member of the National Association of Insurance & Financial Advisors.

  • Life Insurance
  • Health Insurance

3611 Lincoln Street South, Fargo, ND 58104
WebsiteLicense: 8910718

Expertise.com Rating

Review Sources

Google
4.0 (17)
Facebook
5.0 (2)

Why choose this provider?

RJ Bailey Insurance Center is an independent insurance company that services individuals and businesses in the Fargo community since 2009. The company represents an array of carriers, giving clients many options in finding the coverage that meets their needs. Services include life insurance, health insurance, business insurance, and property insurance. The company also offers auto insurance, including policies for recreational vehicles such as boats, motorcycles, classic cars, and ATVs. Agents also serve clients across North Dakota, South Dakota, and Minnesota.

  • Life Insurance
  • Health Insurance

3220 4th Street East, West Fargo, ND 58078
WebsiteLicense: 2000006442

Expertise.com Rating

Review Sources

Google
4.0 (125)
Facebook
4.0 (70)
Yelp
5.0 (2)

Why choose this provider?

Great North Insurance Services is a provider of term and permanent life insurance policies to Fargo residents. This locally owned and independent insurance agency also specializes in auto, health, disability, surety, flood, and homeowners' insurance. Furthermore, Great North Insurance Services offers private event, commercial, private client, and crop and hail insurance. The professionals at Great North Insurance Services can also help clients in filing claims. The company was awarded as Small Business of the Year by the Fargo Moorhead West Fargo Chamber of Commerce in 2016.

  • Life Insurance
  • Health Insurance

1002 28th St S, Fargo, ND 58103
WebsiteLicense: 2000000525

Expertise.com Rating

Review Sources

Google
5.0 (30)
Facebook
5.0 (1)

Why choose this provider?

Superior Insurance is a privately owned agency serving individuals, families, and business owners in the Fargo metro. It is a life insurance service provider that assists clients in obtaining term, whole, group, and key person coverages. The business also helps clients acquire disability, second-to-die policy, long-term care, and mortgage protection insurance. Superior Insurance is an independent company that works with various insurance carriers such as Progressive, Safeco, Travelers, and Nationwide. Its president, Jorin Johnson, has been a part of the company since 2012.

  • Life Insurance

827 28th Street South, Fargo, ND 58103
WebsiteLicense: 20292743

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Surety Life & Casualty Insurance Company provides the Fargo metro and surrounding areas with a broad range of insurance products and services. It specializes in supplemental life insurance lines, with policies that cover final expense insurance, accident critical illness, and cancer protection insurance. Its agents assist clients in selecting suitable supplemental plans to add to their major policies for more coverage and protection. With over 85 years of experience in the insurance industry, the company offers innovative solutions suited for all families and budgets.

  • Life Insurance
  • Health Insurance

3120 25th Street South, Fargo, ND 58103
WebsiteLicense: 3000022151

Expertise.com Rating

Review Sources

Google
4.0 (19)

Why choose this provider?

Tom Weber is an insurance professional who is affiliated with State Farm. He caters to individuals, families, and businesses in Fargo and the surrounding communities. The products he offers include term, universal, and whole life insurance policies, which can cover college tuition, debts, living expenses, and mortgages. In addition, he assists in acquiring health, home, business, condo, and auto insurance plans. Tom also helps customers achieve their financial goals by providing annuity and banking products.

  • Life Insurance
  • Health Insurance

3345 39th Street South, Fargo, ND 58104
WebsiteLicense: 20290412

Expertise.com Rating

Review Sources

Google
4.0 (8)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Hektner-Lybeck-Erickson Insurance is a locally-owned and locally-operated company that has been helping customers in the community of Fargo and its surrounding areas for more than 80 years. The business provides a wide range of products and coverage, including health, life, business, auto, and renters' insurance. Its team of agents works with clients one-on-one and offers a solution that is tailored specifically to them. Additionally, Hektner-Lybeck-Erickson Insurance handles farm and motorcycle insurance. Its goal is to establish a long-lasting relationship with its customers.

  • Life Insurance
  • Health Insurance

4675 40th Avenue South, Fargo, ND 58104
WebsiteLicense: 3001311780

Expertise.com Rating

Review Sources

Google
4.0 (46)

Why choose this provider?

Representing State Farm, Todd Vanyo provides life insurance policies to clients in Fargo. Todd has been in the insurance industry since 2007 and has been using his experience to provide the appropriate coverage for his clients. He offers universal, whole, and term life insurance policies while he also assists clients who wish to make changes to their policy or its beneficiaries. Todd and his team also serve clients in the West Fargo and Moorhead areas.

  • Life Insurance
  • Health Insurance

2601 12th Avenue South, Fargo, ND 58103
WebsiteLicense: 656341

Why choose this provider?

Elaine J. Fremling is a financial representative that offers life insurance assistance in Fargo. She specializes in life insurance planning, retirement planning, disability income planning, employee and executive benefits planning, and long-term care planning. Her area of expertise also includes investment strategies, education funding, business continuation planning, and business risk management. Fremling has been in the insurance industry for more than 40 years. She was also a recipient of the National Quality Award from 1979 to 2010.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Fargo Moorhead Insurance
428 25th Street South, Fargo, ND 58103
Far North Insurance
3357 39th Street South, Fargo, ND 58104
Heritage Insurance Services
3441 45th Street South, Fargo, ND 58104
Glenn DeVold
5192 51st Avenue South, Fargo, ND 58104
Absolute Insurance Agency, LLC
1241 Prairie Parkway, West Fargo, ND 58078
TCI Insurance
158 West Beaton Drive, West Fargo, ND 58078
Moorhead Insurance Agency, Inc.
1516 Main Avenue, Moorhead, MN 56560
Grand Slam Insurance
619 South University Drive, Fargo, ND 58103
Consolidated Benefits & Insurance Services
745 31st Avenue East Suite 100, West Fargo, ND 58078
Farmers Union Insurance
623 Main Avenue East, West Fargo, ND 58078
Dave Eggers
1401 8th Street South, Moorhead, MN 56560
RJ Bailey Insurance Center
3611 Lincoln Street South, Fargo, ND 58104
Great North Insurance Services
3220 4th Street East, West Fargo, ND 58078
Superior Insurance
1002 28th St S, Fargo, ND 58103
Surety Life & Casualty Insurance Company
827 28th Street South, Fargo, ND 58103
Tom Weber
3120 25th Street South, Fargo, ND 58103
Hektner-Lybeck-Erickson Insurance
3345 39th Street South, Fargo, ND 58104
Todd Vanyo
4675 40th Avenue South, Fargo, ND 58104
Elaine J Fremling, CLU
2601 12th Avenue South, Fargo, ND 58103

FAQs

  • Does getting life insurance in Fargo require medical exams?

    It depends on the type of life insurance in Fargo and the coverage amount. Permanent and traditional term life insurance usually require medical exams. There are also insurance companies that offer no-exam policies but applicants are still required to answer questions about their health as part of the qualification process. Most no-exam policies offer smaller amounts of coverage.

  • What are the things the North Dakota Insurance Department cannot help a Fargo policyholder with?

    The North Dakota Insurance Department cannot provide legal advice to the policyholder in Fargo or act as their lawyer. It cannot force an insurance company to pay the policyholder so long as no law has been violated even if the policyholder believes so. The department also cannot assess liability, decide on issues based on facts, and identify the cause of the damage.

  • When can beneficiaries in Fargo expect to receive life insurance payouts?

    Under state law, beneficiaries must receive life insurance payouts within 60 days. Insurance companies can have their own deadline for paying beneficiaries, but it must not exceed 60 days. In most cases, they usually provide payment within a month. There may be rare cases wherein the payout in Fargo can be delayed because an investigation has to be made. This happens when the insured dies within two years since the policy has been put in effect.

  • Are life insurance benefits in Fargo taxable?

    It depends but in most cases, life insurance benefits are not subject to estate or income taxes in Fargo. Factors that may affect taxation include the type of policy, how the benefits will be paid out, and the size of the estate. As an example, benefits paid through installments may be taxed through the interest that has accumulated.

  • In what ways can your credit report affect your eligibility for life insurance in Fargo?

    Insurance companies can use a credit report to check for behaviors, such as paying debts in a timely manner, and assign scores to determine your premiums. Adverse findings on a credit report, which can be a DUI, bankruptcy, and a large amount of outstanding debt, can cause your life insurance premiums in Fargo to be higher than usual.

  • 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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