I was born and raised in the Hurley area. After graduation, I attended college at UW-Madison and UW-Superior, before finally deciding that the University of Minnesota-Duluth was the perfect combination of the two. It was there that I received my Master’s Degree in Applied and Computational Mathematics (which barely fits on a business card). My beautiful wife, Sandra, and I lived a vagabond life until about ten years ago when we returned to settle in Northern Wisconsin. We have two ridiculously talented and handsome boys, Jeffrey, and Michael, and we are beyond blessed to work together and call this place our home.
Implied by the name, term life insurance is good for a set amount of time, such as 10 years, 20 years, or more. If the policyholder dies while covered under term life insurance, his or her beneficiaries receive a payout or death benefit.
Under the investment component, a cash value is accumulated and the insured individual can withdraw or borrow against it. With whole life insurance, policyholders have the ability to accumulate wealth while premium payments go towards insurance costs.
Universal life insurance is a type of cash value life insurance that offers the low-cost protection of term life insurance with the savings element of whole life insurance. It also offers flexible premiums, a tax-deferred investment opportunity to the insured individual, and a level or increasing death benefit.
Coverage for the costs associated with assistance for your daily living needs. And, it can help protect your valuable assets.
Plans for people 65 and older, and all others who are Medicare-eligible. We seek to listen and understand your unique story to find the right coverages for your lifestyle.
We connect best when we can get to know each other, understand your reasons why you are here, and why you care.
