The realities of aging require us to plan for our later medical care. In most cases, Medicare won’t pay for long term care, and your income/resources may disqualify you from receiving Medicaid. Long Term Care insurance can fill in the gaps.

For more information or to get a quote, please call our office at (952) 445-5767.

Could you live on $755 per month?

That’s the average Social Security disability payment. Even a young person of 35 has a 1/4 chance of being disabled longer than 90 days!

Long Term Disability Insurance replaces a portion of your income (usually 60%) if you are disabled for an extended period of time. Most policies have a time deductible (elimination period) before benefits begin. Typically this ranges from 90-180 days, but it can vary.

For more information or to get a quote, please call our office at (952) 445-5767.

If you’ve lost your health insurance, Short Term Health Insurance is a low-cost solution with little paperwork involved. Deductibles help keep premiums low, giving you peace of mind while making life’s transitions.

For more information or to get a quote, please call our office at (952) 445-5767.

Term insurance provides coverage at a fixed premium for a specified length of time. After that period of time expires, the insured must either begin paying significantly higher premiums in most cases or apply for a new policy that would be rated for their current age and medical history. Term length options start at 5 years and go up to 30 years. This type of policy is the most inexpensive way to purchase a substantial death benefit per premium dollar basis if you require coverage for specific period of time. This type of coverage is not intended to be life-long coverage as at higher ages the cost generally becomes prohibitive.

If you would like more information or would like a quote, please call our office at (952)445-5767.

Long term care includes a wide range of medical and support services for people with a degenerative condition, prolonged illness or cognitive disorder. And now, more than ever, employers are offering group long term care insurance in the workplace since over 40% of people receiving services are under the age of 65. This is a great way to attract and retain valuable employees while providing the employer with tax advantages.

For more information or to get a quote, please call our office at (952) 445-5767.

Our agency offers innovative, intelligent solutions that are tailored to maximize your insurance protection while minimizing money out of your pocket.

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• Term Insurance
• Permanent Insurance
• Mortgage Insurance
• Annuities
• First to Die Life
• Second to Die Life
• Burial Insurance