Insurance Solutions

Insurance Solutions For Every Stage of Life

MEDICARE:

Medicare is a federal health insurance program primarily for individuals 65 and older as well as some younger individuals with a disability. Original Medicare consists of parts “A” (Hospital Insurance) and “B” (Medical Insurance).

Are you becoming Medicare eligible and confused about what to do next? Most people I work with come to me for just that reason. I often hear things like “Do I need Medicare parts “A” and “B”? “Do I need a supplemental plan?” “How do I get part D?”. With over 16 years of experience in Medicare, I can help answer these questions and uncomplicate the complicated.

Our primary goal is to walk you through the whole process and answer all your questions along the way. Medicare is one of my passions and with my experience I can help put your mind at ease.

Contact me directly at 763-515-3200 or click the link below and we can set up a meeting (never a cost of course). 

INDIVIDUAL & FAMILY HEALTH INSURANCE:

Individual health insurance is health insurance for people that have no access to employer or government-run health coverage. For example, individuals reach out to me when they go to a small employer that does not offer group health insurance, or he/she is self-employed and doesn’t have a group health option.

In Minnesota, individual health insurance is available directly through insurance companies (e.g. BlueCross, Medica, HealthPartners) or through an exchange (MNsure). Some people are also eligible for premium tax credits through the exchange. This can help lower a family’s monthly premium in certain situations and is only available through the exchange. 

There are only certain times an individual can purchase health insurance. For example, open enrollment starts in November each year. Also, some people qualify for a special enrollment during the year due to a life event (e.g. loss of employer coverage, birth of child, age off parent’s plan). 

There are many things to consider when choosing a plan for yourself or family. As a licensed agent with over 16 years of experience helping my clients navigate this complex topic, I will be your trusted resource that ensures your family is appropriately protected. 

Whether you are looking to purchase a plan directly through an insurance company or the exchange, I am there to help! 

Contact me directly at 763-515-3200 or click the link below and we can set up a meeting (never a cost of course). 

LIFE INSURANCE:

There are two main types of life insurance: term life insurance and permanent life insurance. Term coverage is for a specific period of time and typically more affordable, while permanent coverage offers lifetime protection that accumulates cash value. 

BENEFITS OF TERM LIFE INSURANCE

• Covers temporary expenses like mortgage, car loans or education costs
• Coverage for a set period, such as 10, 20, or 30 years
• Much more affordable than permanent life insurance
• Perfect for young families with temporary needs

BENEFITS OF PERMANENT LIFE INSURANCE

• Covers lifelong needs like retirement income and final expenses
• Coverage is guaranteed for life as long as premiums are paid
• Premium rates can be locked in for life
• Ideal for those with long-term needs, to pay for final expenses or to leave a legacy

Most people I work with overestimate the cost of life insurance. Quite often, premiums are extremely affordable and offer peace of mind. One thing I have learned from being in this industry is the fact that premiums almost never get less expensive than they are today (age is a major factor of rates). 

Let’s protect your family and help ensure their current lifestyle if the event of the unthinkable. 

Contact me directly at 763-515-3200 or click the link below and we can set up a meeting (never a cost of course). 

DENTAL & VISION COVERAGE:

Dental and vision coverage is not always included with your current health insurance. Many clients I work with have medical coverage either through their place of employment or on an individual basis (non-group sponsored). When this coverage does not include dental or vision coverage, I am there to help with many affordable options. As a licensed agent, I can find you the best Dental/Vision coverage based on your individual needs. 

Contact me directly at 763-515-3200 or click the link below and we can set up a meeting (never a cost of course). 

GROUP HEALTH INSURANCE:

Are you an employer that is looking to attract new talent or ensure your amazing staff has the health benefits they need to help ensure a long career at your company? Group health insurance helps employers accomplish these goals by providing benefits to their greatest asset, their team. 

When it comes to employer health insurance there are many options and nuances to consider. With over 16 years of experience in the insurance industry and with trusted partners on my side, we can ensure you get the benefits that best fit your organization.

Contact me directly at 763-515-3200 or click the link below and we can set up a meeting (never a cost of course). 

DISABILITY INSURANCE:

Disability insurance provides financial protection for individuals who become unable to work due to an injury or illness. Without this type of insurance, individuals may face significant financial hardship if they are unable to earn a living. Disability insurance can help cover expenses such as medical bills, living expenses and other costs that may arise as a result of the disability.  

You protect your home and car, why wouldn’t you insure your most valuable asset: Your ability to earn an income.

Contact me directly at 763-515-3200 or click the link below and we can set up a meeting (never a cost of course). 

LONG TERM CARE:

Long-Term Care insurance helps cover the expenses associated with ongoing care required due to chronic illness, disability, or cognitive decline. As individuals grow older, the chances of needing such care increase, and the associated costs can be overwhelming. 

Did you know that Medicare does not cover custodial care for individuals with chronic illnesses or disabilities? Without this type of insurance, people may have to exhaust their savings or depend on family members for support, which can lead to both emotional and financial strain. By having long-term care insurance, individuals can gain peace of mind knowing they’ll have access to necessary care without imposing a financial burden on themselves or their loved ones. Moreover, it helps safeguard retirement savings and personal assets, allowing individuals to preserve wealth for future generations.

ANNUITIES:

An annuity is a financial product typically offered by insurance companies that provides a stream of income in exchange for a lump sum or a series of payments. Depending on the type, the income can last for a set number of years or for the rest of your life. Annuities are commonly used as part of retirement planning to create a dependable source of income and help protect against the risk of outliving your savings.

You might consider an annuity if you’re seeking financial stability in retirement. This steady income stream can be especially valuable if you’re concerned about market fluctuations, inflation, or the challenges of managing investments as you age. By converting a portion of your retirement savings into guaranteed payments, annuities can help cover essential living expenses or supplement other income sources such as Social Security or a pension, offering peace of mind and long-term financial security.