Protection Planning

The Security You Need.
The Peace of Mind You Want.

Protection Planning





Interested in Pre-Funding a Funeral?

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We partner with National Guardian Life to provide this service.

Click through the slideshow for more details, or call us at 763.241.0841 if you are ready to schedule an appointment to discuss this option further.



Protection planning helps you and your family weather an unplanned disability, long-term care expense, and even death.  While we recognize that these events can be unsettling to think about, our goal is to identify protection strategies that can provide the safety net you desire and the flexibility you need, at an affordable cost. 

Before you decide whether it's an appropriate option for you to shift these risks to an insurance carrier, we take the time to understand your priorities and wishes.  We work closely with you to help ensure that the process is smooth and the plan is well-coordinated and compatible with your overall financial goals. 

We will address the following risks:

  • Disability/Loss Income
  • Long-Term Care/Chronic Illness/Funeral Costs
  • Unexpected/Premature Death

Combining long-term care insurance and life insurance:

With Americans living longer and health care costs continuing to rise, it's more important than ever to have a strategy in place to shelter yourself from the risks that long-term care may present. Like most types of insurance, long-term care coverage is designed to protect your personal and financial well-being.

Traditional long-term care insurance is one option. If you have a long-term crisis and need to cover the cost of care, you will have access to funds within your policy instead of having to use your savings and investments to cover these unexpected bills. 

Recently, we are using more and more insurance carriers that combine life insurance and long-term insurance into one policy. Depending on the policy you choose, if you have a need to pay for long-term care, you have access to funds to cover the unexpected costs. However, if you never need long-term care, your family may receive a tax-free death benefit from this same policy. This will help give you clarity that all or most of the premiums paid into the policy may be returned to your family. 


Fixed insurance products and services offered through Fleming Investment Group.

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