Most people find life insurance complicated– but it doesn’t have to be. Thanks to our licensed experts, the Insurance Specialists Team makes it simpler than ever to buy life insurance that will save you time, money, and headaches.
Questions? Call 763.244.3735
''This is a wonderful team of individuals who quickly assess your insurance needs to find you the best and most affordable option out there. They are knowledgeable, friendly and helpful. I highly recommend working with them for your home and business needs.''
'' We have been doing business with Insurance Specialist Team for 2 years now. We require fast turn around on insurance certificates on a weekly basis, sometimes multiple times a day. We have them in hand within 5-10 minutes on average which helps keep our business alive. The team is friendly, knowledgeable and always willing to do what they can to help out.''
''IST is the best company I have ever had insurance through. Julie Evans and her staff are very attentive, helpful, and most of all kind. What I love most is that they never stop helping you. Instead of giving me a one and done policy, they regularly review my policies to see if they can save me more money. They go above and beyond for their clients. Highly recommended. No complaints.''
''We have been working with Insurance Specialist Team (IST) for some time now and extremely happy. Their service is outstanding as well as their ability to work seamlessly between our accounts in Minnesota and Arizona. We are true advocates of great customer service, and the IST continually exceeds our expectations every time.''
We understand that you may find it hard and confusing to find the right life insurance policy for your needs.
You may be struggling to find what company should you trust to take care of your policy,
Or you’re simply overwhelmed by the thousands of online quotes you’ve seen but can’t decide which one to choose?
...to make sure your family is protected at a reasonable cost- with no headaches involved!
This will get you ten steps away from the seven most common mistakes people make when buying such as:
Purchasing a policy you have limited knowledge about is like buying shoes without knowing your size. This often results in getting a policy that doesn’t fit your needs and can hurt your finances in the long run.
Remember that there are two major types of life insurance policies: Term and Permanent. Term insurance is the less expensive type of insurance but it only provides coverage for a fixed time—often 10, 15,20, or 30 years.
Permanent life is a policy that provides lifetime coverage and combines a death benefit and a cash value you can access during your lifetime- but has a more expensive premium.
When buying, you need to make sure that the life insurance choice you make can cover your insurance needs the moment you need it.
Who doesn’t want to save on their premiums, right? But choosing the cheapest policy out there is not always the wisest move.
Many want to choose a term life policy because it is the cheapest. However, it's actually not the best solution if you get older. The reason? Premiums will skyrocket when renewing in later years because term life coverage is designed as a short-term option and only costs less when you're young and healthy.
Also, to save money, some try to buy less coverage than what they really need leaving them underinsured. This in fact costs them more in the long run as it leaves them without coverage when they need it the most.
Some failed at getting enough coverage for their needs because they ignore this simple fact: The amount of life insurance you need is based on how much money will be left for your beneficiaries after all long-term financial obligations are met. It should replace your income and ensure it can sustain your family's financial needs.
This will give you a good estimate of the amount of coverage you need. So, better if you try to consult this with a licensed insurance broker to get the exact numbers.
While this sounds ideal, this is not always the best way to get coverage for the following reasons:
-Your life insurance policy is reliant to your job. If you lose your job, you lose your employer-provided life insurance as well.
-You'll have limited choices since your employer often only have one insurer. So you won’t have as many options for various term lengths, coverage, and premiums that are available outside your workplace.
-Is not as cost-efficient as you think because you’re missing out on cheaper life insurance rates that offer more sufficient coverage for their needs.
During your application, you’ll be asked questions like your occupation, your medical history, driving records, hobbies, etc. This process allows your insurer to assess your coverage and premiums.
They will verify this by checking your medical records, previous insurance applications, or through a medical exam.So it’s important to disclose the necessary information to not compromise your coverage.
People often make one major mistake when it comes time for selecting an appropriate insurer: they simply go along because of how convenient and popular a company is. But it's not all about that.
Rather, it's important to work with a company that offers good rates, excellent customer service and fair policies - all qualities any person would want in their providers.
Also, while some want you to always shop around to find insurers that offer the best policy and rates, it's best to remember that it may not save you time and effort if you do this alone. It's always better to work with an independent agent- expert with many companies. It saves time and will get you covered correctly and for the best rate.
While we don’t want you to impulsively purchase a policy, it is also important that you don’t wait too long- because the older you get, the more expensive your policy can become.
Most companies consider age and health conditions as major factors in determining the policy premium you may qualify for. As you age and your health weakens, your premiums can get expensive, or worse, you may lose the opportunity to buy a coverage at all.
These mistakes are often factors that can make your life insurance purchase a pain.
To save lots of your time, money, and effort...
The Insurance Specialists Team has licensed insurance agents that aim to help you find the right life insurance solutions for you and your family.Here are some of the benefits you’ll get working with insurance underwriters like us:
Our expertise in life insurance will help you find the perfect blend of service, price, and coverage that is specifically tailored for your needs. We’ll save you the hassle of jumping from one company to another when you’re looking for the best life insurance.
We can get you many coverage options at different price points from multiple insurance companies. We’ll give you options on different types of insurance you can purchase all together-like a one-stop shop. Along with your life insurance, we can provide you with auto, home, renter’s and business coverage as well as discounts for bundled policy.
We'll provide unbiased advice on what options you can avail of, take time to listen, and understand your situation, ensuring you are properly covered. For instances of disputed claims or changes in coverage, we will be your advocate, to support and act on your behalf.
We’re always on top of any changes to policies and will be there to periodically review your coverage and update you on any changes. We’ll recommend policies that not only suit you but your changing needs as well. We’ll give you the right guidance so you are aware of the potential risks ensuring any potential problems are addressed properly.
We can’t stress this enough, but if you feel like you can ‘’DIY’’ your insurance, you might picture yourself experiencing these:
Making the wrong choice and getting stuck trying to figure out what life insurance policy fits you.
Wasting time and effort trying to do everything on your own- from choosing your policy to your application.
You’ll miss the discounts and other perks that are only available if you work with independent agents like us.
Why spend a lot of time looking for life insurance coverage at different places- when you can find it all here?
Best insurance rates from A+ rated insurance companies
Policies tailored to your needs
Peace of mind knowing you're getting high-quality coverage
Licensed and certified agents to help you along the way
We’re sure to have an excellent life insurance policy tailored for you- no matter what stage of life you are in right now. So are you ready to make your life insurance purchase simple and worthwhile? Let’s talk about it.