Life and Health Insurance

Life Insurance

There are many options of life insurance to help you protect your loved ones in the event you can not longer provide for them. Let us help you with a plan that is right for you.

• Universal Life – Provides immediate cash value, flexible premium payment plans, tax deferred savings and guaranteed death benefits.
• Whole Life – Provides level death benefit protection with level premiums and guaranteed cash values.
• Term Insurance - Provides coverage for a specified period of time such as 10, 20 or 30 years.
• Mortgage Decreasing Term – provides decreasing death benefit protection to coincide with your mortgage amount with 10, 15, 20, 25 or 30 years of coverage.

Disability

The most valuable resource that anyone possesses is their ability to provide an income. If everything else that you own or care about is insured and this ability is removed there may be no way possible to pay the premiums on other insurance or even to keep that which is insured. Disability insurance will provide you with an income should you become sick or disabled

Individual disability insurance coverages pay a percentage of your salary if you become temporarily disabled, meaning that you are not able to work due to sickness or injury (excluding on-the-job injuries, which are covered by workers compensation insurance).

Long Term Care

Long term care is the care you receive when you cannot take care of yourself because of a physical or cognitive impairment. This care is usually provided either in your home, an assisted living facility or a nursing home.

Health Insurance

Many individuals receive health insurance benefits from their employer which is on a “group insurance” policy. Whether you need a quote for your businesses group insurance or health insurance as individual, we have a wide variety of companies and plans to meet your individual needs. We represent the following carriers:

• Blue Cross and Blue Shield of Minnesota
• Health Partners
• Medica
• Delta Dental 

Group Health 

Group insurance benefits are available for your busniess with two or more employees.