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Best Life Insurance Companies in Rochester

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2023
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All Apple Insurance Agency logo

All Apple Insurance Agency

331 16th Avenue Northwest, Rochester, MN 55901
  • Life Insurance

Business Description

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.

Reputation:

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.
5.0
Google
5.0 / 5 (40)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Atlas Insurance Brokers logo
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License Verified:

License: 20290336

The Minnesota Department Of Commerce Licensing Unit

Atlas Insurance Brokers

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5721 Bandel Road Northwest, Rochester, MN 55901
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 20290336

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Google
4.0 / 5 (210)
Facebook
4.0 / 5 (38)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brandon Markoe logo
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License Verified:

License: 40216383

The Minnesota Department Of Commerce Licensing Unit

Brandon Markoe

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111 Hill Street, Red Wing, MN 55066
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 40216383

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Connor Faupel Insurance Agency logo
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License Verified:

License: 40727670

The Minnesota Department Of Commerce Licensing Unit

Connor Faupel Insurance Agency

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3552 West River Parkway, Rochester, MN 55901
  • Life Insurance

Business Description

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.

License Verified:

License: 40727670

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Google
5.0 / 5 (50)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ellingson Insurance Group, LLC logo
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License Verified:

License: 20310239

The Minnesota Department Of Commerce Licensing Unit

Ellingson Insurance Group, LLC

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1016 Civic Center Drive, Rochester, MN 55901
  • Life Insurance

Business Description

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.

License Verified:

License: 20310239

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Google
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Fortress Insurance & Financial Services logo
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License Verified:

License: 40703892

The Minnesota Department Of Commerce Licensing Unit

Fortress Insurance & Financial Services

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2766 Commerce Drive Northwest, Rochester, MN 55901
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 40703892

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Harmony Insurance Group logo
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License Verified:

License: 40246104

The Minnesota Department Of Commerce Licensing Unit

Harmony Insurance Group

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3224 6th Avenue Northeast, Rochester, MN 55906
  • Life Insurance

Business Description

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.

License Verified:

License: 40246104

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.0
Facebook
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Heartman Insurance logo
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License Verified:

License: 5483

The Minnesota Department Of Commerce Licensing Unit

Heartman Insurance

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1635 Greenview Drive Southwest, Rochester, MN 55902
  • Life Insurance
  • Health Insurance
  • Long Term Care

Business Description

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.

License Verified:

License: 5483

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.5
Facebook
2.0 / 5 (3)
Google
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Horihan Insurance logo
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License Verified:

License: 20308205

The Minnesota Department Of Commerce Licensing Unit

Horihan Insurance

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3159 Superior Drive Northwest, Rochester, MN 55901
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 20308205

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Facebook
5.0 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
North Risk Partners logo
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License Verified:

License: 40318023

The Minnesota Department Of Commerce Licensing Unit

North Risk Partners

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2048 Superior Drive Northwest, Rochester, MN 55901
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 40318023

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.5
Google
4.0 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Safechoice Insurance Agency logo
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License Verified:

License: 40034804

The Minnesota Department Of Commerce Licensing Unit

Safechoice Insurance Agency

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894 7th Street Northwest, Rochester, MN 55901
  • Life Insurance

Business Description

Safechoice Insurance Agency is an independent agency that handles the insurance needs of people in the Rochester metro and the surrounding communities. It works with different insurance companies, so it can help clients find a policy that provides the coverage and service they need. It also offers clients a number of life insurance options, such as individual or group life, long-term care, disability, and mortgage protection. Home, auto, commercial, and recreational insurance policies are likewise available.

License Verified:

License: 40034804

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.9
Facebook
5.0 / 5 (5)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Safechoice Insurance Agency logo
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License Verified:

License: 40034804

The Minnesota Department Of Commerce Licensing Unit

Safechoice Insurance Agency

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894 7th Street Northwest, Rochester, MN 55901
  • Life Insurance

Business Description

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.

License Verified:

License: 40034804

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.9
Google
4.0 / 5 (30)
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sandvik Insurance Agency logo
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License Verified:

License: 40262540

The Minnesota Department Of Commerce Licensing Unit

Sandvik Insurance Agency

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826 Broadway Avenue South, Rochester, MN 55904
  • Life Insurance

Business Description

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.

License Verified:

License: 40262540

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.9
Facebook
4.0 / 5 (5)
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stevenson Insurance, Inc. logo

License Verified:

License: 40151258

The Minnesota Department Of Commerce Licensing Unit

Stevenson Insurance, Inc.

16 Mantorville Avenue North, Kasson, MN 55944
  • Life Insurance

Business Description

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.

License Verified:

License: 40151258

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Google
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Sue Madden logo
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License Verified:

License: 56851

The Minnesota Department Of Commerce Licensing Unit

Sue Madden

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914 North Broadway Avenue, Rochester, MN 55906
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 56851

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.0
Google
4.0 / 5 (31)
Facebook
4.0 / 5 (14)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Suemaya Azadi logo

License Verified:

License: 40324277

The Minnesota Department Of Commerce Licensing Unit

Suemaya Azadi

2300 Superior Drive Northwest, Rochester, MN 55901
  • Life Insurance

Business Description

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.

License Verified:

License: 40324277

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Google
5.0 / 5 (10)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Ted W. Smith Insurance Services, Inc. logo
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License Verified:

License: 20370715

The Minnesota Department Of Commerce Licensing Unit

Ted W. Smith Insurance Services, Inc.

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3228 6th Avenue Northeast, Rochester, MN 55906
  • Life Insurance

Business Description

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.

License Verified:

License: 20370715

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
4.8
Google
4.0 / 5 (54)
Facebook
5.0 / 5 (19)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
The Kalass Agency logo
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License Verified:

License: 423

The Minnesota Department Of Commerce Licensing Unit

The Kalass Agency

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242 South Main Street, Zumbrota, MN 55992
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 423

The Minnesota Department Of Commerce Licensing Unit

Reputation:

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.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Voth Insurance logo

License Verified:

License: 20577499

The Minnesota Department Of Commerce Licensing Unit

Voth Insurance

109 Broadway Street North, Goodhue, MN 55027
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 20577499

The Minnesota Department Of Commerce Licensing Unit

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    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.

  • Can I buy health insurance anytime?

    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.