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Best Life Insurance Companies in Duluth

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434-B North 57th Avenue West, Duluth, MN 55807
Duluth, MN 55807
  • Life Insurance
  • Health Insurance

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.

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

Website(218) 628-6180

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4.9 / 5 ( Best)

Total Reviews:

10 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

707 Minnesota 33, Cloquet, MN 55720
Cloquet, MN 55720
  • Life Insurance

Brittany Olson Insurance Agency, LLC, provides services to individuals and businesses in Duluth and the surrounding areas. It represents various insurance carriers, like Allstate, Encompass Insurance, MetLife, and Progressive. Its product line includes term and permanent life insurance policies. In addition, it provides automobile, commercial, farm, recreational vehicle, and renters' insurance plans. Owner Brittany Olson has been working in the insurance industry since 2004. She holds an NFIP certification, allowing her to offer flood insurance products.

707 Minnesota 33, Cloquet, MN 55720
Cloquet, MN 55720

Website(218) 499-8636

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

51 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2631 West Superior Street, Duluth, MN 55806
Duluth, MN 55806
  • Life Insurance
  • Health Insurance

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.

2631 West Superior Street, Duluth, MN 55806
Duluth, MN 55806

Website(800) 756-3346

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.3 / 5 ( Best)

Total Reviews:

12 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

2104 East 5th Street, Superior, WI 54880
Superior, WI 54880
  • Life Insurance

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.

2104 East 5th Street, Superior, WI 54880
Superior, WI 54880

Website(715) 398-3877

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

37 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

4515 East Superior Street, Duluth, MN 55804
Duluth, MN 55804
  • Life Insurance

Deluxe Insurance Group provides its insurance services to the residents of Duluth and its surrounding areas. The company offers life insurance for term where the client can choose between 10 and 30 years or whole life insurance. Deluxe Insurance also provides umbrella, auto, commercial, pet, condo, and home insurance. The group was founded in 2006 and has a partnership with the Minnesota Vikings, where it offers special services to its employees and season ticket holders.

4515 East Superior Street, Duluth, MN 55804
Duluth, MN 55804

Website(218) 525-7118

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

7 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

413 South 20th Avenue East, Duluth, MN 55812
Duluth, MN 55812
  • Health Insurance

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.

413 South 20th Avenue East, Duluth, MN 55812
Duluth, MN 55812

Website(218) 724-4507

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1317 Tower Avenue, Superior, WI 54880
Superior, WI 54880
  • Life Insurance

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.

1317 Tower Avenue, Superior, WI 54880
Superior, WI 54880

Website(715) 392-9829

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4 / 5 ( Best)

Total Reviews:

4 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

200 West Superior Street, Duluth, MN 55802
Duluth, MN 55802
  • Life Insurance

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.

200 West Superior Street, Duluth, MN 55802
Duluth, MN 55802

Website(218) 491-6488

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

26 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

501 South Lake Avenue, Duluth, MN 55802
Duluth, MN 55802
  • Life Insurance

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.

501 South Lake Avenue, Duluth, MN 55802
Duluth, MN 55802

Website(218) 491-7855

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

157 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

5713 Grand Avenue, Duluth, MN 55807
Duluth, MN 55807
  • Life Insurance

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.

5713 Grand Avenue, Duluth, MN 55807
Duluth, MN 55807

Website(800) 569-4173

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

15 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

2221 Tower Avenue, Superior, WI 54880
Superior, WI 54880
  • Life Insurance

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.

2221 Tower Avenue, Superior, WI 54880
Superior, WI 54880

Website(715) 394-3120

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We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: --

325 South Lake Avenue, Duluth, MN 55802
Duluth, MN 55802
  • Life Insurance
  • Health Insurance
  • Term Life Insurance
  • Permanent Life Insurance Policy

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.

325 South Lake Avenue, Duluth, MN 55802
Duluth, MN 55802

Website(218) 728-3600

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We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

30 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

4884 Miller Trunk Highway, Hermantown, MN 55811
Hermantown, MN 55811
  • Life Insurance

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.

4884 Miller Trunk Highway, Hermantown, MN 55811
Hermantown, MN 55811

Website(218) 625-4014

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

2 (Good)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1504 Minnesota 33, Cloquet, MN 55720
Cloquet, MN 55720
  • Life Insurance
  • Health Insurance

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.

1504 Minnesota 33, Cloquet, MN 55720
Cloquet, MN 55720

Website(218) 879-6789

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.8 / 5 ( Best)

Total Reviews:

70 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

1315 West Arrowhead Road, Duluth, MN 55811
Duluth, MN 55811
  • Life Insurance
  • Health Insurance

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.

1315 West Arrowhead Road, Duluth, MN 55811
Duluth, MN 55811

Website(877) 724-7988

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

4.1 / 5 ( Best)

Total Reviews:

13 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

230 West Superior Street, Duluth, MN 55802
Duluth, MN 55802
  • Life Insurance

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.

230 West Superior Street, Duluth, MN 55802
Duluth, MN 55802

Website(844) 752-4368

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

2 (Better)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

14 (Better)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

4897 Miller Trunk Highway, Hermantown, MN 55811
Hermantown, MN 55811
  • Life Insurance
  • Health Insurance

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.

4897 Miller Trunk Highway, Hermantown, MN 55811
Hermantown, MN 55811

Website(218) 529-1670

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

5 / 5 ( Best)

Total Reviews:

1 (Good)

Score Consistency:

Consistent (Best)

202 West Superior Street, Duluth, MN 55802
Duluth, MN 55802
  • Life Insurance

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.

202 West Superior Street, Duluth, MN 55802
Duluth, MN 55802

Website(877) 874-1000

Show Number

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.

Online Profiles:

1 (Good)

Average Review Score:

4.7 / 5 ( Best)

Total Reviews:

54 (Best)

Score Consistency:

Consistent (Best)

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.

Responsiveness: A+

Friendliness: A+

Helpfulness: A+

Detail: A+

Frequently Asked Questions:

Q: Who should buy supplemental health insurance?
A: Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.
Q: Can I buy health insurance anytime?
A: To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.
Q: Can I buy health insurance that is not Obamacare?
A: When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

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