REPUTATION. RELATIONSHIPS. RESOURCES.
Our experienced licensed representatives understand that not all insurance plans are one size fits all. Because we have contracts with all the major insurance carriers, we can shop, create a plan, and advise what works best for your specific group, individual lifestyle and budget. Our main focus: to educate you on what’s available in the marketplace so you can understand your options and feel confident when making a decision about your insurance needs.
OUR SERVICES
Individual Health Insurance
Health insurance is an important part of your overall health and well-being. But when it comes to finding the right coverage at an affordable price, it can be overwhelming. Our representatives can help – saving you time and money.

Medicare
Have you heard about the Medicare changes that start in 2019? Transition to a plan that works for you with help from our agents. Because we’re an insurance broker, we work with all major carriers. That means access to more Medicare plans – and finding one that fits your needs and budget.

Life Insurance
Do you have loved ones who depend on you for financial support? If so, life insurance should be part of your future planning. Our advisors can review your current life insurance as well as help you choose a plan that fits your lifestyle and budget. Today’s life insurance options can also include “living benefits” that allow you to accelerate all or a portion of the death benefit for Long Term Care or other needs.

Individual Disability
Individual disability insurance should also be part of your financial planning. It replaces lost income if you’re disabled and can’t work to contribute financially to your family. Our advisors can outline coverage that will protect you and your most important assets.

Long Term Care
Long term care covers you if you need services and support for an extended time. It’s also designed to protect your financial assets, like your retirement. In addition to traditional long term care, there are also long term care options that can be combined with life and annuities.

Annuities
Are you ready for retirement? To get started, annuities can help you manage and stabilize your income. One of their biggest advantages: they allow you to grow your next egg with tax-deferred money. And they serve as another component to streamline your income when you retire. Annuities can give you peace of mind that you have another source of income besides your retirement investment options.
EMPLOYEE BENEFITS

Group Health Benefits
We provide assistance in navigating the complex group health insurance market. Options include fully insured, level funded, and self-funded plans. Working with the major carriers in MN, WI, ND, and SD.

Group Ancillary Benefits
Employee benefits are usually employer-based plans that offer coverage to eligible employees and their dependents. They’re a vital piece for attracting and retaining employees. We specialize in:
Life
Disability
Dental & Vision
Worksite/Voluntary

Executive Benefits
In today’s competitive employment market, it’s important to have competitive Executive Benefits to help attract, incentivize and retain key individuals. There are also unique planning opportunities for the owners of both small and large businesses. We specialize in:
• Key Person Life and Disability
• Buy/Sell review and funding
• Deferred Compensation
• Key Person Life and Disability
• Buy/Sell review and funding
• Deferred Compensation