Providing Medicare plans for those approaching Medicare age 65 or have experienced a disability prompting you to receive Medicare early.  Should you need guidance choosing a Medicare Advantage Plan or a supplemental health insurance plan call us today. Proudly representing most quality carriers such as Medica, HealthPartners, BC/BS, UCare and the newly approved Lasso Healthcare MSA for plan year 2020.  Talk with one of our qualified agents today. See Open Enrollment dates.

Individual Health Insurance Plans has been the staple of our business since 1991. We provide quality affordable plans for the self employed, individuals, families, students, dependents, COBRA replacement needs and Medicare Plans. Our agents represent all major health and medical insurance carriers licensed in MN to provide you the best plan to meet your needs and budget. Contact Jim Darcy today.  

 Quality affordable small business group health plans offering lower premiums and *YEARLY REFUNDS to groups of 3+ who do not use all of their claims premium. Isn't time to lower your premiums and receive yearly refunds for group? Minnesota legislature now makes ERISA plans attractive to small employers. *of unused claims premiums.

Offering the lowest cost "Non Medical" / "No Exam"  life insurance available for you or your family members.  In today's fast paced information driven society, non medical life insurance offers the fastest least intrusive underwriting with a simple 3 verification process of a M.I.B. check, prescription use, history and height / weight along with a standard E Application. This eliminates participating in and time needed for annoying Exams - APS - Health Interviews, Nurses, Blood Test, Needles, Urine etc and makes decision and issue a simple easy process. Regardless of your situation there is likely a program available to inexpensively accommodate those needs. As an independent agency we represent as many carriers as needed to accomplish your life insurance goals and we proudly represent numerous carriers rated "Excellent" or better by A.M. Best Company with over 100 years each of providing life insurance to the long term security of product purchased. 

Never lapse a life insurance policy before learning it real value.

For those seniors 65+ in age who no longer need, want or can afford the life insurance plan being paid for. You maybe able to sell your policy for cash, income, LTC benefits or paid up coverage.  Click here to learn more.