Life Insurance
Protect the people who matter most with life insurance tailored to your goals. Whether you’re just starting a family or planning for the future, we’ll help you choose the right policy with confidence.
Why Life Insurance Matters More Than Ever
Life insurance is not just about planning for the unexpected, it is about providing peace of mind, financial security, and a lasting legacy for those you love. Whether you want to cover final expenses, pay off a mortgage, or leave something behind for your children, we will guide you through it without confusion or pressure.
At ONE Insurance Agency, we take the time to understand your situation and walk you through your options clearly. We do not sell plans you do not need, we build a safety net that fits your life, your budget, and your future.
What Our Life Insurance Covers
From basic term plans to lifetime protection, we offer coverage designed for every stage of life and financial goal.
Term Life Insurance
Affordable coverage for a set number of years ideal for young families, new homeowners, or income protection.
Whole Life Insurance
Lifelong protection with guaranteed premiums and cash value that grows over time.
Universal Life Insurance
Flexible, long term coverage that allows you to adjust your premiums and benefits as your life evolves.
Final Expense Policies
Designed to cover funeral costs, medical bills, and end of life expenses without burdening your family.
Joint & Survivorship Life
Cover two people under one policy often used for estate planning or couples with shared financial goals.
Accidental Death Coverage
Additional protection in the event of a sudden, accidental death, often added to term or whole life policies.
What Makes Us Different
We do not believe in one size fits all life insurance. At ONE Insurance Agency, we take a thoughtful, personal approach to helping you plan for your family’s future.
You will get real advice, not sales pressure, and we will never charge you service fees. As a local agency with national resources, we shop top rated carriers to get you the best options and make the process feel human.
- Personalized Support Without Fees
- Plans for All Ages & Budgets
- Trusted by Families Across Saint Paul–Minneapolis
How It Works
Tell Us What You Need
Answer a few simple questions about your life stage, income, and goals, no medical jargon.
We Compare Top Plans
We’ll shop trusted carriers and filter options that make sense for your needs and budget.
Review Your Quote
Within 1–2 business days, you’ll get a clear quote with real pricing and easy-to-understand coverage.
Lock in Your Coverage
Choose the plan that fits best and enjoy peace of mind knowing your loved ones are protected.
Posted on Google![]()
Troy BallTrustindex verifies that the original source of the review is Google.
I contacted and got my quote through Email. No spam calls and waiting on the phone with quotes that are never the final result. Lower rates than going through insurance companies such as progressive direct. Highly recommend! Best broker I’ve ever gone through!!Posted on Google![]()
Tony HallenTrustindex verifies that the original source of the review is Google.
I have worked with Elaine and One Insurance since 2024 and have been extremely impressed with the amount of savings and knowledge garnered. The customer service and prompt return of emails and phone calls has been impressive, Elaine and her team have my endorsement and happy to refer them!Posted on Google![]()
Britta DwyerTrustindex verifies that the original source of the review is Google.
Elaine was WONDERFUL to work with. When I got connected with her I was working with a few other agents to get quotes and Elaine far surpassed the other agents not only in the quoted rates & coverage she was able to get me, but in her professionalism and communication. It is sometimes hard to communicate effectively back and forth via email, which was the mode of communication I needed, and Elaine was phenomenal. I have already sent Elaine’s information to many of my friends.Posted on Google![]()
TroyandMadonna WagnerTrustindex verifies that the original source of the review is Google.
Prompt, excellent work from Elaine. She made us feel like we were her only customer at that moment. She didn’t rush us and made sure to take good care of us. She also listened to our every need. We would recommend her to anyone.Posted on Google![]()
Leah ParkinsonTrustindex verifies that the original source of the review is Google.
Elaine was wonderful to work with. She was knowledgeable, responsive, saved me hundreds of dollars and I have WAY BETTER coverage. I couldn't be happier and I highly recommend Elaine & ONE Insurance Agency. Request a quote, you won't be sorry.Posted on Google![]()
Graham KaunTrustindex verifies that the original source of the review is Google.
Elaine did an excellent job looking at insurance options for my various vehicles and properties and explaining what was available. Highly recommend!Posted on Google![]()
Jordan LopesTrustindex verifies that the original source of the review is Google.
Truly #1 Insurance Agency that is fast, reliable and always willing to go above and beyond! Hands down the best I've worked with!Posted on Google![]()
tiffany kellarTrustindex verifies that the original source of the review is Google.
Great experience and great communication. Thank you so much for what you do. Great insurance!!!!Posted on Google![]()
Becky SchultzTrustindex verifies that the original source of the review is Google.
Elaine has been so wonderful to work with!! Always very prompt in responding to my phone calls and emails, and I have worked with other agents that would never even get back to me. Now I have all of my insurance needs in ONE Agency!! Love it!!Posted on Google![]()
Kimberly DavisTrustindex verifies that the original source of the review is Google.
One Insurance Agency worked hard to get me the best rate! Not only am I saving money but I have the appropriate coverage now
Let’s Plan for What Matters Most
Life insurance doesn’t need to be complicated. We’ll walk you through it and find the right coverage, with no fees and no pressure. It’s one of the smartest decisions you can make for your family.