Frequently Asked Questions

We love to meet with ‘orphans’—people who have not had contact from an agent in a while. Statistically, 62% of life insurance policyholders don’t know what they’ve got or how it works. We’re happy to provide a free, no obligation review of what you have and how it’s working. If your policy is at least five years old, there are alternatives to consider that will end up saving you money!

“Don and his staff are solution-focused. We’re happy.”
Dale Zimmerman
FastSigns, Burnsville

A change in your life circumstances is a great time to make financial adjustments. Did you know it’s possible to sell your policy for more than the cash value in some cases? There are a variety of ways to transition from traditional life protection to investments that make more sense for your future goals. Contact us today to find out how.

Ideally, you want a benefit amount that is ten times your annual salary. While that seems like a lot, it can really be very inexpensive to guarantee. Call Don to find out how much that would be for you and the wisest and most economical way to set it up. Be sure to ask how to get all your money back, too!

“We’ve come to expect great service from Don and his crew.”
Lynette Robbins
Jerry’s Service, Inc., Plymouth

You always want to pack your parachute before you jump out of the plane since you can’t do it later! But one thing you may not know: it’s possible to purchase life insurance and get all your money back later when your family no longer needs that kind of protection.

Life insurance is a great place to put your ‘safe’ money, earning around 5% interest (compared to .5% at a bank). Not only that, there are no taxes on the growth of that investment.

Actually, in Minnesota, we have had guaranteed coverage for years. Now the nation is following our example. So, yes, you can get health insurance. We can help you navigate the plans to find ones that offer you the best coverage for your special circumstances.

“We get the good news and the bad and the answers from Don and his staff.”
Jill Curtis
Alarm Product Distributors, Inc., St. Paul

Knowing when to get key man insurance is based on your unique business model. We’ll sit down with you and determine where the risks are to keeping your business moving forward successfully. You will know exactly what it is you need for your business security.

“We get step-by-step suggestions on how to implement benefits.”
Patty Froeber, DDS, PA, Minneapolis

Don’t worry—we’ve got you covered! Staying on top of changes to benefits programs, legal requirements, and opportunities for business owners to save money is part of our service commitment to you. We are connected through state and national organizations that alert us to industry changes, and we engage in ongoing education and connection to news organizations to keep on top of anything that might affect your programs.

Yes! We’ll help your employees understand not only how to use the program you’re providing, but also how to take responsibility for other areas of their benefits that might get lost without knowing how to make it work. We’re very knowledgeable about the plans and providing education to your people is a fun time for us!

“Don brought our group medical rates down in each of the last two years.”
Brigid Raskin
The Needle Doctor, St. Louis Park

Yes, you can get guaranteed benefits down to two employees. What is more important is that the benefits you need fit within the budget you have, and that is our specialty! Our programs are designed in a way that feels good at a favorable price.

We are located at 5775 Wayzata Blvd Suite 700, St. Louis Park, MN 55416. However, we are quite happy to come see you at your home or place of business, or some other location convenient to you.

We can be reached any day of the week. Our commitment is to get a response back to you within hours of your call.