American Family Insurance Locations & Hours Near Saint Paul, MN -
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By: Emily G.
Amy Wakem - State Farm Insurance Agent
Extremely terrible people they know nothing and give the run around if a claim ever needs to be filed. Avoid at all costs
By: Dani L.
Northwest Insurance Brokers
Great people with fast service. Quotes are quick and easy to get from them, and they ALWAYS call back.
By: Joe M.
Jody Baber - State Farm Insurance Agent
I have had insurance with many different companies over my years. This office is the most genuine experience I have ever had. They are great at what they do and help me no matter what trouble I get myself in. I always recommend Jody's office to everyone I know, you won't be disappointed.
By: Mikenzie G.
Chris Ahles - State Farm Insurance Agent
I recently moved to the St Paul area and selected the State Farm Insurance Chris Ahles Agency to transfer my policies to as they specialize in relocations. I could not have had a better experience. Chris’ office handled the transfer process quickly and efficiently, provided me great home and auto insurance rates and handled the transfer of other financial matters as well. Everyone in the office was great to work with and were very accommodating. I would highly recommend this office and look forward to many years with them!
By: T T.
Farmers Insurance Group
Have our homeowners and life insurance through Farmers. So far so good. Had weather related damage that was covered.
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By: Megan E.
American Family Insurance - Jean Pierre Pallais Agency
Working with JP Pallais and Jessica Aubel is a great experience! They are so friendly and treat me like family. Their skill and expertise in Insurance is at the top! I highly recommend them and the American Family Team for any of your insurance needs!
By: Mike N.
Grcevich Greg Agent State Farm
Greg has been my State Farm insurance agent for over 20 years. Over the years I've had several claims and each time Greg and his team responded quickly and helped get the claim handled without delay or hassle.
By: Matthew Z.
Bruce Wagner - State Farm Insurance Agent
Bruce and Leslie are too kind! They have treated me awesome since I switched over to their agency! I would strongly suggest stopping by to see what their agency is all about.
By: Alex F.
Farmers Insurance - Ted Ault
Great rates and friendly staff, always. My agent is helpful even when I'm being an annoying customer lol.
By: Tricia T.
WIN Insurance Agency Inc.
The staff are friendly and very informative. I feel confident knowing I have all the proper coverages I need. highly recommend
Tips & Advices
There are many different providers and plan types, so  shopping for life insurance can be complicated. The first step involves understanding the type and amount of life insurance you need. From there, use online tools or contact local insurance agents to get quotes on rates and learn about how to apply.
The cost of a life insurance policy is determined by two things: the guaranteed benefit amount and the individual risk of the policyholder. The latter is more complicated, and includes many  factors, including health, age, and  occupation. As of May 2017, a 30-year-old woman purchasing a 20-year, $250,000 term life policy can expect to pay about $141 per year. For comparison, a 60-year-old woman purchasing the same policy can expect to pay $1,033 per year. Since women have longer life expectancy on average than men, the latter can expect to pay slightly more. The same 20-year, $250,000 term policy will cost a 30-year-old man $156 per year on average.
Certain specialized policies may provide income replacement in the event of disability, disease, or another situation where it may be impossible to work and medical expenses are high. One common alternative is known as an “accidental death and dismemberment” policy. AD&D policies work similarly to term life plans, but will only pay out death benefits when a fatality is caused by an accident, or if the policyholder loses a limb or the ability to see or hear. Death from a heart attack or cancer, for example, is usually not covered by AD&D, but these policies might offer lower premiums than a standard term plan.
Many adults with children choose to buy a term life plan that covers them from the birth of a child until they turn 18, which is often the most cost-effective way to insure against the risk of income loss from unexpected death. While it  is possible to save enough cash or invest to provide even more funds in case of such an emergency, investing is subject to more risk of loss than a life insurance plan, and accumulating enough savings to provide a sizeable safety net can be difficult.
Whole life and universal life plans are each considered a type of “permanent life insurance.” Universal life is often similar in concept to whole life, but offers more flexibility in premium payments and cash withdrawals. For example, you might be able to temporarily pause or reduce premium payments at any time under a universal policy. It’s also often possible to borrow from what you’ve already paid into the plan or against a guaranteed death benefit in the form of a loan.

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