Life Insurance

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Life Insurance in Owatonna, MN

Life Insurance Quotes in Owatonna, MN

Want an insurance agency that tailors insurance to your needs, works on your behalf to find the best coverage & rates, and helps you navigate claims? You’ve found it. Learn more about our coverage options, then get a free insurance quote comparison.

 

Comparison Shopping

 

We aim to consistently exceed your expectations – that’s why we start by doing the comparison shopping for you. We search the market for the best possible combination of coverage, price, and service, from a multitude of A rated insurance companies.

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COVERAGE

Term Life

A policy that is in effect for a specified time frame, like 10, 20, or 30 years. Term life also provides a pre-specified death benefit. Term is generally the lowest cost form of coverage.

Whole Life

A policy that lasts until death or age 100. A portion of your premium goes into a cash account which earns interest.

Universal Life

A policy that can take be structured with features of both term and whole life insurance. Universal life can have cash value or not, depending on how it’s structured.

Return of Premium Term Life

Term life that returns the sum of premiums paid to the policyholder at the expiration of the policy.

Instant-Issue Term Life

Term life that can be issued quickly and with no paramedical exams.

Common Questions

 

How Much Life Insurance Do I Need?

The amount of insurance needed depends on what you and your family are comfortable with and what you’re trying to plan for. How would your family’s life change if your income were lost? Would you need to pay down debt, fund education expenses, and/or pay for funeral costs? These are all important factors to consider. We can help you determine an amount that provides for your goals and fits your budget.

What Type Of Policy Should I Have?

That depends on what you’re trying to achieve and your personal preferences. If you’re trying to cover the cost of a mortgage, a 30 year term policy may make sense. If you want to provide funding for funeral costs or don’t like the thought of making premium payments to a policy that could expire, you may want to consider universal or whole life.

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