While your circumstances may change, your insurance doesn't have to
Universal Life Insurance
Universal Life Insurance is designed to meet your needs like no other policy can! With Universal Life Insurance, you can
- Accumulate tax-deferred savings
- Vary your premiums
- Vary your benefit
- Suspend payments periodically
Universal Life allows you the flexibility to make changes as your life circumstances change, without having to change your life insurance policy.
Lock in your insurability now, while you are healthy, and start protecting your loved ones, while you build cash for for your future.
Ask us about a personal Life Insurance Review. We can help you determine the amount of coverage you need, and show you how simple it is to get started!
Term Life Insurance
Term Insurance covers you for a specified period of time, such as one, five, ten, twenty or more years. Once the term is expired, you must renew it, often at much higher rates. The policy only pays a death benefit if you die in that period of time. Term Insurance often has specific rules about when and how you can renew the policy.
Term Insurance normally NEVER builds cash value. However, Term Insurance has the advantage of normally providing the highest death benefit for the lowest premium. Ask us about which Life Insurance policy is right for you and your loved ones. We will be happy to explain the differences in simple, easy to understand terms.
Long Term and Short Term Disability
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work and earn money due to a disability. There are many types of organizations that provide different types of disability insurance. Each organization and disability insurance type have specific rules as to what constitutes a disability and how a person might qualify to receive the disability benefit.
Short term disability insurance policies offer a worker a portion of their salary if they are unable to work for a short period- typically three to six months.
Long term disability insurance offers a worker a portion of their salary if they are unable to work for a longer period- typically a period of over six months. Both short term and long term disability policies have a period that a person must be disabled for before that individual is able to start receiving disability benefits. That period of time is called an elimination period. If a person becomes disabled, they must wait until the elimination period is over before they start receiving benefits.
If they are able to work before the elimination period is over, the person will not receive a benefit. The Social Security Administration also provides disability insurance. Employees who’ve paid the Federal Insurance Contributions Act (FICA)tax for a certain amount of time, are eligible to receive the Social Security disability income insurance if they meet the strict requirements of disability under the OASDI program.
Let us help protect you from the unexpected
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This agency is licensed only in Minnesota and Wisconsin. Company links or logos on this web site do not imply the endorsement by those companies of this web site. We are an authorized agent for these companies. This is an “agency only” site. Please note that we cannot bind coverage through our web site or through email. Call us for more information regarding bound coverage.