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Life Insurance


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Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.

Life Insurance Information

There are many kinds of life insurance, but they generally fall into two categories: term insurance and permanent insurance.

Term insurance is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time. For instance, you may decide that you only need coverage until your children graduate from college or a particular debt is paid off, such as your mortgage.

In contrast, permanent insurance provides lifelong protection. As long as you pay the premiums, and no loans, withdrawals or surrenders are taken, the full face amount will be paid. Because it is designed to last a lifetime, permanent life insurance accumulates cash value and is priced for you to keep over a long period of time.

It's impossible to say which type of life insurance is better because the kind of coverage that's right for you depends on your unique circumstances and financial goals.

But remember, the best way to figure out the amount and type of life insurance that makes sense for your particular situation is to meet with a qualified and licensed life insurance professional.

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We are a niche, independent, market insurance agency dedicated to providing the highest level of protection and service. Through on-going servicing and training of targeted industries, we commit ourselves daily to the idea that it is far better to not just service our client's industry but to specialize in it.

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"Scott is a fantastic insurance agent! He works hard with customers to not only be competitively priced but to make sure you have the best coverage!"- Angela Anderson

"Thank you SO much, Boulder Ridge Insurance, for going above and beyond to help our company with our bond issue. The service you provide is second to none. We appreciate you dropping everything and meeting us personally to get papers notarized and in our  hands within a matter of hours." - Electrical Lighting Solutions

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P.O. Box 59

Albertville, MN 55301


           

                       


PH: 763.200.9410
FAX: 763.208.7508


                        

 
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