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Best Life Insurance Companies in Fargo

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2023
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Absolute Insurance Agency, LLC logo
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License Verified:

License: 2000127705

North Dakota Insurance Department

Absolute Insurance Agency, LLC

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1241 Prairie Parkway, West Fargo, ND 58078
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 2000127705

North Dakota Insurance Department

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
5.0 / 5 (54)
Facebook
4.7 / 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
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Detail
Consolidated Benefits & Insurance Services logo
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License Verified:

License: 20292159

North Dakota Insurance Department

Consolidated Benefits & Insurance Services

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745 31st Avenue East Suite 100, West Fargo, ND 58078
  • Life Insurance
  • Health Insurance
  • Dental Insurance
  • Disability Insurance

Business Description

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.

License Verified:

License: 20292159

North Dakota Insurance Department

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 (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
Dave Eggers logo
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License Verified:

License: 20293236

North Dakota Insurance Department

Dave Eggers

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1401 8th Street South, Moorhead, MN 56560
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 20293236

North Dakota Insurance Department

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 (9)
Yelp
2.0 / 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.
4.0
Responsiveness
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Helpfulness
Detail
––
Elaine J Fremling, CLU logo

License Verified:

License: 656341

North Dakota Insurance Department

Elaine J Fremling, CLU

2601 12th Avenue South, Fargo, ND 58103
  • Life Insurance

Business Description

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.

License Verified:

License: 656341

North Dakota Insurance Department

Far North Insurance logo
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License Verified:

License: 20290707

North Dakota Insurance Department

Far North Insurance

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3357 39th Street South, Fargo, ND 58104
  • Life Insurance

Business Description

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.

License Verified:

License: 20290707

North Dakota Insurance Department

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
3.0 / 5 (2)
Facebook
5.0 / 5 (2)
Yelp
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
Fargo Moorhead Insurance logo
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License Verified:

License: 15787107

North Dakota Insurance Department

Fargo Moorhead Insurance

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428 25th Street South, Fargo, ND 58103
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 15787107

North Dakota Insurance Department

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 (56)

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
Farmers  Union Insurance logo
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License: 2000144902

North Dakota Insurance Department

Farmers Union Insurance

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623 Main Avenue East, West Fargo, ND 58078
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 2000144902

North Dakota Insurance Department

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 (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
Glenn DeVold logo

License Verified:

License: 11473062

North Dakota Insurance Department

Glenn DeVold

5192 51st Avenue South, Fargo, ND 58104
  • Life Insurance

Business Description

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.

License Verified:

License: 11473062

North Dakota Insurance Department

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 (41)
Facebook
5.0 / 5 (10)

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
Grand Slam Insurance logo
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License Verified:

License: 2000116858

North Dakota Insurance Department

Grand Slam Insurance

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619 South University Drive, Fargo, ND 58103
  • Life Insurance
  • Individual Plans
  • Group Plans

Business Description

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.

License Verified:

License: 2000116858

North Dakota Insurance Department

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.
4.6
Google
4.8 / 5 (18)
Facebook
4.2 / 5 (10)
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
Great North Insurance Services logo

License Verified:

License: 2000006442

North Dakota Insurance Department

Great North Insurance Services

3220 4th Street East, West Fargo, ND 58078
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 2000006442

North Dakota Insurance Department

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 (125)
Facebook
4.0 / 5 (70)
Yelp
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
Hektner-Lybeck-Erickson Insurance logo
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License Verified:

License: 20290412

North Dakota Insurance Department

Hektner-Lybeck-Erickson Insurance

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3345 39th Street South, Fargo, ND 58104
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 20290412

North Dakota Insurance Department

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.
4.7
Google
4.0 / 5 (8)
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
Heritage Insurance Services logo
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License Verified:

License: 5738076

North Dakota Insurance Department

Heritage Insurance Services

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3441 45th Street South, Fargo, ND 58104
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 5738076

North Dakota Insurance Department

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.
4.7
Facebook
4.0 / 5 (21)
Google
5.0 / 5 (10)

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
Moorhead Insurance Agency, Inc. logo

License Verified:

License: 659883

North Dakota Insurance Department

Moorhead Insurance Agency, Inc.

1516 Main Avenue, Moorhead, MN 56560
  • Life Insurance

Business Description

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.

License Verified:

License: 659883

North Dakota Insurance Department

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.
3.9
Google
3.0 / 5 (42)

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
RJ Bailey Insurance Center logo
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License Verified:

License: 8910718

North Dakota Insurance Department

RJ Bailey Insurance Center

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3611 Lincoln Street South, Fargo, ND 58104
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 8910718

North Dakota Insurance Department

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 (17)
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
Superior Insurance logo
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License Verified:

License: 2000000525

North Dakota Insurance Department

Superior Insurance

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1002 28th St S, Fargo, ND 58103
  • Life Insurance

Business Description

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.

License Verified:

License: 2000000525

North Dakota Insurance Department

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 (30)
Facebook
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
Surety Life & Casualty Insurance Company logo
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License Verified:

License: 20292743

North Dakota Insurance Department

Surety Life & Casualty Insurance Company

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827 28th Street South, Fargo, ND 58103
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 20292743

North Dakota Insurance Department

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
TCI Insurance logo
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License Verified:

License: 20290579

North Dakota Insurance Department

TCI Insurance

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158 West Beaton Drive, West Fargo, ND 58078
  • Life Insurance

Business Description

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.

License Verified:

License: 20290579

North Dakota Insurance Department

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.
4.6
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
Todd Vanyo logo
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License Verified:

License: 3001311780

North Dakota Insurance Department

Todd Vanyo

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4675 40th Avenue South, Fargo, ND 58104
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 3001311780

North Dakota Insurance Department

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 (46)

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
Tom Weber logo
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License Verified:

License: 3000022151

North Dakota Insurance Department

Tom Weber

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3120 25th Street South, Fargo, ND 58103
  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 3000022151

North Dakota Insurance Department

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 (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.
4.0
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.