It is easy to lose track of the events in life that we “think” we may have insured for only to find out when we need it, there was a gap we missed. We help find those gaps.
50 Percent chance of disability for a 30 year old to become disabled for 90 days or more before they turn 65. (American Society of Actuaries)
1 in 7 People can expect to be disabled for five years or more. (America’s Health Insurance Plans, National Association of Insurance Commissioners, U.S. Department of

500,000 The approximate number of American bankruptcies in 1999 occurred as the direct result of an unexpected injury or illness. (New York Post, 2000)





90% The number of disabilities happen outside of work and are not covered by Workers Compensation. (National Safety Council, Injury Facts 2004)
14 There is a death caused by a motor vehicle crash every 12 minutes. There is a disabling injury every 14 seconds. (National Safety Council, Injury Facts, 2003)

$30,000 The minimum liability per person requirement for a Minnesota Auto Policy. ( and
$100,000 The possible limit of liability coverage on your home owner’s policy. (