Health Insurance & Life Insurance

Health Insurance & Life Insurance You Can Afford

First State Agency is a locally owned and operated independent insurance agency serving Minnesota clients from our office in Sauk Centre. We work hard to provide efficient, creative, and affordable health insurance solutions tailored to your needs. Because we are committed to the people we serve, many of our clients enjoy a long-term relationship with us. Our knowledgeable agents are up to date on current laws concerning healthcare, employee benefits, and life insurance, whether it is individual or group insurance.

Life Insurance

Our loved ones are everything. They’re the reason we get out of bed each day and work long hours; it’s they who give meaning to our toil. Now you can have the comfort that comes from knowing those you hold dear will be provided for in the event of your death. Whether you need protection for a limited period of time or coverage for life, we have a life insurance policy that will allow the people you value most to live comfortably, no matter what tomorrow brings.

• Term Life Insurance: Provides protection for a specified period of time, is less expensive, and can be converted to permanent coverage.
• Whole Life Insurance: Can build cash value and is permanent during the insured’s lifetime.
• Universal Life Insurance: A form of permanent life insurance, but has flexible premiums, face amounts, unbundled pricing structure, and can build cash value (which earns an interest rate that adjusts periodically).

Health Insurance

As you move through life, your healthcare needs change and your health insurance coverage should reflect those changes. At First State Agency, we access the very best carriers in the industry and can help you find a health insurance plan that is tailored to you, whatever stage of life you are in. With individual and group plans that cover everyone from infants to senior citizens, we’re sure to find something that provides the protection you need at a price you can afford.

• Individual
• Group
• Medicare products
• Long-term care
• Disability