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Critical Illness & Disability Insurance 


Critical Illness

How many people do you know have had cancer, a heart attack, or a stroke? You might even be one of themWhen you are healthy and actively working, the last thing on your mind is the possibility of being struck with a critical illness. This “it won’t happen to me” mentality that many of us are prone to have makes it easy to miss the fact that according to the American Heart Association, nearly 75% of individuals at age 40 will become critically ill at some point in their lives.

Critical Illness insurance can be a strong supplement to Health Insurance. By investing in a Critical Illness policy, you are ensuring that you and your family will receive a lump-sum benefit upon the diagnosis of a critical illness, such as a heart attack, cancer, or stroke. By avoiding the financial burden that often comes with the presence of a critical illness, you can put more focus on your road to recovery.

With the freedom to….

  • Get the treatment you want

  • Rehabilitate

  • Travel for special treatment

  • Keep your home and other assets

there is no reason not to open a Critical Illness Policy today! For as little as $7 a month, and easy qualification requirements, your future-self just might thank you.

Let Critical Illness insurance fill a very important gap in your coverage. Call our office today for more information, or if you are wondering if Critical Illness insurance is a good choice for you, and we can show you what it pays for that other plans don’t.

We’ve delivered hundreds of thousands of dollars in checks to clients that were insured by a Critical Illness Policy through our office, from something they never expected would happen to them.

It’s Easy to Apply — Call our office or schedule an appointment today!

With proper planning, and truly understanding what is at stake for you and your family, a plan of action can be prepared before a life altering event such as critical illness occurs. Bonnie will explain what Critical Illness insurance is, and is not. Understanding the differences in these products is important to properly plan a family’s sound financial future.


Disability Income Insurance

Disability Income insurance could protect your most valuable asset—your ability to earn a living.

University of North Dakota, Grand Forks

University of North Dakota, Grand Forks

Why Disability Income Insurance?

If something happens to you, and you can’t work to support your family, disability insurance can help you:

  • Keep a roof over your head

  • Keep your same daily routines

  • Remain stress -free about paying bills

Disability Income insurance is a policy that provides a monthly benefit for a loss of regular income, due to a list of covered injuries or illnesses. This “paycheck protection” plan, will give you piece of mind knowing you will not have to worry about tight finances during times of crisis.

Disability Income insurance might be a right path for you if you depend on your income to support your lifestyle, you live paycheck-to-paycheck, or if you don’t have other sources of income available.

Request a quote or call our office with any questions you have about our policies!