Term Life & Mortgage Protection
The most coverage for the lowest monthly premium, for a set period of 10, 20 or 30 years. Sized to your income, or to your mortgage balance so your family can remain in their home.
Allison Agency / Minnesota
Life, health and Medicare insurance in Minnesota
Allison Agency is an independent life and health insurance agency serving Minnesota, led by principal agent Leif Allison. We compare options from multiple carriers and explain them in plain language. Consultations are free, and there is never any pressure to decide.
- Minneapolis
- St. Paul
- Rochester
- Duluth
- Bloomington
- Plymouth
Coverage in Minnesota
A complete range, from one agent
Many agencies focus on a single product line. Allison Agency is licensed across both life and health, so one conversation in Minnesota can address your family’s full picture.
Whole Life
Permanent coverage that does not expire, with a premium that never changes and cash value that accumulates at a rate guaranteed by the carrier.
Final Expense
Smaller benefit amounts for funeral costs, outstanding medical bills and final debts. Simplified underwriting, with no-exam options available to most applicants.
IUL & Universal Life
Flexible permanent coverage. Indexed universal life credits interest tied to a market index, subject to a cap and a floor. We review the full illustration with you, line by line, before any application is submitted.
Annuities
Fixed and indexed annuities for retirement assets you would rather not expose to market volatility, with the surrender schedule and fees explained clearly before you commit.
Private Health Insurance
Individual and family plans, including options for the self-employed and for those between jobs. Networks and deductibles compared against the plans genuinely offered in your county.
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Medicare and Medicaid in Minnesota
Whether you are approaching 65 in Minnesota, retiring later, or helping a parent understand their choices, we walk through how Parts A, B, C and D work together, where Medicare Supplement differs from Medicare Advantage, and how prescription coverage prices out against the medications you actually take.
Medicare Advantage and Part D availability is set county by county rather than statewide, so the answer in one part of Minnesota is genuinely different from the answer in another. If you qualify for both Medicare and Medical Assistance and MinnesotaCare, we can explain how dual-eligible coverage works and what it means for your options.
- Medicare Advantage & Supplement compared for your county
- Part D checked against your prescriptions
- Dual-eligible (Medicare + Medicaid) guidance
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.
Allison Agency is not connected with or endorsed by the United States government or the federal Medicare program.
Minnesota specifically
What is different about buying here
Minnesota’s health insurance market is unusual: the Twin Cities and Rochester have concentrations of large health systems that most states do not, and network design is the thing that actually differentiates plans here far more than premium does. Minnesota also has its own state estate tax with a threshold below the federal one, which is worth raising with a tax advisor if you are buying permanent coverage as part of an estate plan rather than as income replacement.
Insurance is regulated state by state. Carriers file different products in different places, health networks are drawn county by county, and Minnesota licensing and consumer protection sit with the Minnesota Department of Commerce. Working with an agent who is licensed here, and who will still be the person answering the phone next year, is the difference between receiving a quote and receiving an answer.
Minnesota questions
Straight answers
Is Leif Allison licensed in Minnesota?
Yes. Leif Allison, principal agent of Allison Agency, is a licensed life and health insurance agent serving Minnesota, National Producer Number (NPN) 21477755. The agency is independent, so we compare multiple carriers rather than representing a single company’s catalog. Insurance licensing and consumer complaints in Minnesota are handled by the Minnesota Department of Commerce, and you are welcome to verify any producer’s license with them directly.
What does it cost to work with an agent in Minnesota?
Nothing. Quotes and guidance are provided at no cost to you. Agencies are compensated by the insurance carrier when a policy is issued, which means your premium is the same whether you purchase through us or go directly to the carrier. You simply have someone comparing the options on your behalf.
Which parts of Minnesota do you serve?
All of Minnesota, including Minneapolis, St. Paul, Rochester, Duluth, Bloomington and Plymouth and the surrounding counties. Most conversations happen by phone or video, so where you live in the state does not limit what is available to you. For health and Medicare plans, however, your county genuinely does determine which plans exist, and we confirm that specifically before making a recommendation.
Do I need a medical exam to get life insurance in Minnesota?
Often not. Several carriers offer accelerated or simplified underwriting, where the decision comes from your application and database checks rather than a paramedical exam. Whether that route is open to you depends on your age, the coverage amount and your health history. We will tell you at the outset which applies to your situation.
Can Leif help with Medicare in Minnesota?
Yes. We can explain how Parts A, B, C and D work together and compare Medicare Supplement against Medicare Advantage for your specific county. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.
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Protecting what matters most
starts with one conversation.
A free quote, a licensed Minnesota agent, and no pressure at any point.