About Us

When friends refer friends, we treat them with heart.
​We appreciate your trust and referrals!

Honest - Experienced - Accomplished - Responsible - Tenacious
From Left to Right
(Nichole, Bonnie, Carol, Diane)
Who are We?
Hello, my name is Carol Vogt and I have been in the insurance industry since 1987 and am the proud owner of Carol Vogt Insurance Services, LLC.  

We are a local insurance agency serving the St. Louis, Metro East, and surrounding areas, accessible in helping employer groups and individuals with our expertise in

  • Health
  • Medicare Coverages 
  • Life
  • Disability
  • Long-Term Care
  • Annuities 
  • Ancillary Benefits ~ Dental, Vision, Cancer, Critical Illness 
How do we work?
As brokers, we work with only the highest rated insurance carriers.  We charge NO service fees when working with you and if we are able to find the appropriate coverage for you we are paid a commission by the carrier.   There are NO extra premiums charged when using a broker, but your advantage is that you have us as your advocate working on your behalf when problems or challenges arise.
Why us?
We have experience within the insurance industry and regardless of all the challenges, we love what we do.  The satisfaction in knowing we have helped employers, individuals, and families in obtaining the best insurance for their needs makes our jobs rewarding and satisfying. 

We are one team with one set of goals.  We live up to commitments, service all of our customers with appreciation and gratitude, always act honestly, ethically, and with integrity.  We humbly recognize our successes and learn from our losses.  We are the “go to” agency for accurate, reliable, and truthful information. 
Why do we do what we do?
Ultimately, we feel it’s great to make a living, better to make a difference, and better still to make some friends doing both.  Our clients are our most important asset.

Thank you for considering Carol Vogt Insurance Services, we welcome the opportunity to work for you!   
We provide unmatched support, if you have questions, please contact us

Our Affiliates

Carol Vogt Insurance Services is proud to support organizations working to strengthen our communities. Through the efforts of our enthusiastic team member-volunteers and our contributions, we share our success within our community by giving back to non-profits and educational institutions that address vital community needs and issues.

NAHU - Leading Producer Round Table

Waterloo Planning Commission 

Waterloo Chamber of Commerce

Southern Illinois Health Underwriters 

St. Louis Health Underwriters

Great Grades Grade School Program Sponsor
Waterloo Chamber Youth Community Service Award Sponsor