Health and Life Insurance

Life insurance can be the foundation of your family’s financial security. Changes in your family, your employment, or the economy could leave you under-protected. We offer a broad range of life insurance products and tools to help you evaluate your protection needs. Using the Lifetime Economic...

Would you like someone who is working in your best interests? We are authorized to provide you plans both inside and outside the health care exchange at no additional cost to you! We work with the biggest and best companies in our region! Blue Cross/Blue Shield, Medica, Sanford Health, Assurant, and...

Medicare is the federal health insurance program for people who: are aged 65 and older are younger than 65 who have some disabilities, or who have been diagnosed with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant). ** Medicare has two parts: Part A Helps pay fo...

Term life insurance provides coverage for a specific period of time. It’s often used to address a temporary protection need or as a gateway to permanent insurance, such as whole life insurance. Many term life insurance products allow you to convert to a permanent product, offering lifetime cov...

Variable universal life insurance (VUL) combines premium flexibility and permanent death benefit protection with the opportunity to direct net premiums into the policy’s Separate Account divisions and the Guaranteed Principal Account (GPA).1 You can direct a portion of your net premium payment...

Survivorship life insurance provides the unique opportunity to insure two people on a single policy, typically spouses or business owners. Survivorship life insurance is useful when you want your beneficiary to receive a death benefit after the second insured dies. Survivorship life insurance is oft...