Life Insurance


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As an independent insurance agency, we are associated with over 50 top rated insurance companies that offer the products that most appropriately meet the needs of our clients. Contact us today for a FREE quote!

Independent Agency

Unlike a captive agency that only represents one company, we are an independent insurance agency allowing you the choice of company, policy, and pricing. Our team is staffed with proven professionals to help guide you through the quoting process. We find the coverages you need at the prices you want. Once you become a client we are committed to providing you with the quality service you expect.


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When you insure with us you have choices! Quote over 50 top rated insurance companies and choose the coverages you want and need when insuring you and your loved ones.

Best Price Available

We quote all of our companies to ensure we are finding you the coverage you want at the best price possible. Life insurance is time sensitive! Contact us today to lock in your rate.

Claims Service Team

Our service team is here to help! From start to finish we will guide you through the claims process and keep communications open to service you – our client.

Insurance Products

Life and Disability insurance helps you prepare for the unexpected and protects your finances, so you don’t create a financial burden for your family. Let us show you the insurance options that are available to make sure you and your loved ones are financially protected. We offer a variety of insurance products including (but not limited to) Term Life Insurance, Whole Life Insurance, Universal Life Insurance, Disability Insurance, and Long-Term Care Insurance. Most of our companies offer limited underwriting e-application Term Insurance with additional riders like Return of Premium and Accidental Death.

Disability Insurance
If you become disabled, who will pay your bills or care for the loved ones who depend on you? Disability helps make up for loss of income in case you become incapacitated due to injury orillness. Medical issues can take a toll on you mentally as well as physically, thanks to the stress they cause. Eliminate the additional stress of wondering how your bills will be paid by making sure you have the disability coverage you need.

Long-Term Care Insurance
Long-term care insurance covers the costs of care for people with disabilities or chronic illnesses, so they don’t become a burden on their family and friends. Policy options and coverage types can vary considerably. At Insurance Group of Minnesota LLC, we work with multiple carriers to provide you with the broadest range of options.

Life Insurance
Life insurance is an important part of planning your financial future, yet many people take a “set it and forget it” mentality when it comes to selecting a policy. If that sounds like you, then you might be missing out on important features that could help you and your loved ones have a better financial future.

– Term Life Insurance:
Term life insurance provides coverage for a specific term, typically 10, 20, or 30 years. If the insured person passes away during the policy term, a death benefit is paid out to the beneficiaries. It offers a straightforward and affordable option for those looking for temporary coverage, often used to protect financial obligations like mortgages or provide income replacement for dependents.

– Whole Life Insurance:
Whole life insurance provides lifelong coverage and includes a savings or investment component. Premiums remain level throughout the policyholder’s life, and a portion of each premium is allocated to accumulate cash value over time. This cash value grows on a tax-deferred basis and can be accessed or borrowed against during the policyholder’s lifetime. Upon the insured person’s death, the death benefit is paid out to the beneficiaries.

– Universal Life Insurance:
Universal life insurance offers flexibility in terms of the amount and timing of premium payments, as well as the death benefit. It combines life insurance protection with a cash value component that earns interest or is linked to market performance. The policyholder has the option to adjust the death benefit and may access the accumulated cash value or use it to pay premiums.

– Variable Life Insurance:
Variable life insurance allows policyholders to allocate their premiums into investment sub-accounts, similar to mutual funds. The cash value and death benefit can fluctuate based on the performance of these sub-accounts, offering potential for higher returns but also a level of investment risk. Variable life insurance policies often require ongoing monitoring and adjustment of investment allocations.

Insurance Services

If someone depends on you financially, life insurance is an important topic you shouldn’t ignore. It can do more than replace a lost income – it can pay for final expenses, a mortgage, your child’s education and more. At Insurance Group of Minnesota LLC, we help our clients find the life insurance they need, based on lots of variables including their finances and their goals. From basic term policies that offer a source of income replacement to a modest whole life policy geared toward paying for your final expenses to universal or variable policies that let you invest your money in stocks or alter your premium payments to suit your budget, there are lots of options to consider when selecting a policy today.

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Guaranteed Insurability Rider
  • Accidental Death Rider
  • Waiver of Premium Rider
  • Family Income Benefit Rider
  • Accelerated Death Benefit Rider
  • Child Term Rider
  • Long-Term Care (LTC) Rider
  • Return of Premium (ROP) Rider
  • Disability Income Rider
  • Paid-Up Additions (PUA) Rider
  • Renewable Term Rider
  • Flexible Bill Plans
  • Accelerated Underwriting Process
  • And more!

Learn More

With countless options and so much jargon to sift through, navigating the world of insurance can be daunting. But fear not! Our team of experts is here to help you learn more about insurance and the multiple companies and products available to you. View our Blog page to read more!