Life insurance that looks out for what matters most.

Life moves fast, and planning ahead can feel like a big step—but it’s one of the most meaningful things you can do for your family or business. Life insurance helps protect the people who count on you, offering peace of mind when it matters most. We help individuals and families across Minnesota, Iowa, and Wisconsin find the right life insurance—and explore disability insurance options too.

What does life insurance cover?

Term Life Insurance

A hand is holding a heart with a heartbeat on it.

Affordable, straightforward coverage for a set number of years—ideal for covering major responsibilities like mortgages or raising kids.

  • Level premiums for a fixed period
  • Flexible term lengths (10, 20, 30 years)
  • Simple, cost-effective protection

Whole Life Insurance

A black and white drawing of an umbrella with a heart and a dollar sign on it.

Permanent coverage that lasts a lifetime and builds cash value over time. Great for long-term financial planning and legacy goals.

  • Lifetime protection
  • Tax-deferred cash value accumulation
  • Level premiums with guaranteed benefits

Universal Life Insurance

A black and white drawing of a person with their arms outstretched and a check mark on their chest.

Flexible permanent coverage with adjustable premiums and death benefits. A fit for those wanting both insurance and cash value potential.


  • Flexible payment options
  • Cash value and savings components
  • Can be tailored to changing needs

Indexed Universal Life Insurance

A black and white icon of a dollar bill with a shield.

Offers permanent life insurance coverage with growth potential tied to market indexes—giving you more control and flexibility than traditional policies.

  • Cash value growth linked to index performance (like the S&P 500)
  • Downside protection with market participation caps
  • Flexible premiums and adjustable death benefit options

Disability Insurance Options

A black and white drawing of a person in a wheelchair.

While not life insurance, disability insurance can protect your income if an illness or injury keeps you from working. We’ll help you explore whether short-term or long-term coverage is the right fit.

  • Income protection during recovery
  • Monthly benefit payments
  • Coverage for both individuals and business owners

Common questions about life insurance.

  • How much life insurance do I need?

    That depends on your goals—like replacing income, paying off debts, or covering future education costs. We’ll help you do the math.

  • Is a medical exam required?

    Some policies require one, others don’t. We’ll guide you through your options and help you find the best fit for your health and lifestyle.

  • Can I change my policy later?

    Yes. Some policies offer conversion options or flexibility if your needs change over time—like growing your family or buying a home.

  • What’s the difference between term and permanent life insurance?

    Term covers a set period; permanent covers you for life and can build cash value. We’ll help you choose based on what’s most important to you.