Life & Health Insurance

life-insurance

We can help you navigate through the sometimes overwhelming maze of life insurance and other tools to protect your family’s financial future. Sometimes life insurance can be complicated. You not only have to decide what policy is right for you – you need to know how much protection you need and can afford.

Why do I need life insurance?
Although you may not think about it, your ability to earn income is a significant asset and life insurance helps replace lost income in the event of your premature death. Some reasons people buy life insurance:

The death benefit may be used:

  • To replace income the family would need to maintain their standard of living after the death of a wage earner.
  • To pay off a mortgage loan and other personal and business debts or to create a rent fund.
  • To create a fund for children’s education.
  • To pay final expenses, such as funeral costs and taxes.

Health Insurance

We represent Blue Cross & Blue Shield of Minnesota, Medica, Health Partners, and Humana. We offer both individual and group products, including Medicare supplements and RX products for seniors. The plan you choose will determine how much you pay, what benefits you have, which doctors you can see, and other things that are important to you.

If you are paying too much, we can help you review all of the plans available at affordable rates for individuals and families as well as small and large groups.

It’s never too late or too early to think about protecting your family’s financial future. Our central Minnesota agency has a full menu of life insurance companies and products.