Guardicares Insurance Agency

09/03/2026

💰 Looking for a Guaranteed Interest Rate Without Stock Market Exposure?

If you’re looking for a conservative option for a portion of your retirement savings, a MYGA — Multi-Year Guaranteed Annuity — may be worth exploring.

A MYGA offers a fixed interest rate guaranteed by the issuing insurance company for a specified period of time, provided the contract is held according to its terms.

✨ Guaranteed interest rate for the selected term
✨ Tax-deferred growth
✨ No direct exposure to stock market losses
✨ Multiple guarantee periods may be available
✨ Withdrawal provisions vary by contract

MYGAs aren’t right for everyone. Interest rates, surrender periods, liquidity needs, withdrawal provisions, taxes, and the financial strength of the insurance company should all be considered.

Have a CD coming due or money you’re keeping conservative? Let’s compare your options and see what may fit your goals.

📩 Message me to learn more.

Guarantees are backed by the claims-paying ability of the issuing insurance company. Annuities may be subject to surrender charges, withdrawal limitations, and applicable taxes.

08/18/2026

Sometimes you don’t realize the impact you’ve made until you’re forced to step away.

Being away from the clients I served and an industry I truly love wasn’t something I ever expected. But during that time, something meaningful happened—people kept reaching out.

Former clients called. Business owners checked in. Relationships that had been built over years were still there.

It reminded me that this business has never just been about writing insurance policies. It’s about showing up, answering the phone, knowing your clients, protecting what they’ve worked for, and being there when they need you.

So when the opportunity came to return, the answer became pretty clear.

We’re back.

Malo Scotting and Julie Evans—back serving clients, rebuilding relationships, and doing what we love.

And to everyone who reached out while we were away: thank you. You reminded us why we loved this business in the first place. 💙

08/18/2026

Retirement and senior care planning isn’t just about the money you leave behind—it’s about the burden you don’t.

When you fail to plan for aging, long-term care, finances, housing, medical decisions, and end-of-life wishes, that responsibility often falls on your children. In an already emotional time, they’re forced to make life-altering financial and care decisions while watching someone they love decline.

Without a clear plan, you may not receive the care you would have chosen for yourself. Instead, others are left to decide where you live, how your money is used, what gets sold, and what care you receive—not out of neglect, but because your wishes were never clearly documented.

True retirement planning goes beyond building wealth. It’s about clearly defining how you want to live, how you want to be cared for, and who you trust to make decisions if you can’t.

Planning ahead may be one of the most meaningful gifts you ever give your children—and yourself.

👉 Don’t wait until a crisis forces these decisions. Take the first step today: schedule a retirement and senior care planning conversation, put your wishes in writing, and make sure your family knows exactly what you want. Reach out now to get started and put a plan in place with confidence.

08/08/2026

One of the things I’ve always loved most about insurance is helping my clients get better coverage while saving money—sometimes simply because we took the time to review what they already had.

Annual reviews were a practice I built my agency on. That never meant changing insurance companies every year. It meant staying proactive and making sure a client’s coverage continued to fit their home, vehicles, family, lifestyle, and needs.

Sometimes the best recommendation is to stay exactly where you are. Other times, rates have changed, an accident or violation has fallen off, or another carrier can provide better coverage at a better price.

This week was a perfect example.

I reviewed the home and auto insurance for two former clients who reached out to me.

One will save approximately $1,200 a year.

The other will save approximately $3,200 a year on their home and auto package—with the opportunity to improve their coverage at the same time.

What stood out to me was that both conversations came back to the same thing: they missed having regular insurance reviews and proactive client service.

And I understood exactly what they meant, because this is what we would have done before. We reviewed policies. We watched for changes. We looked for opportunities. And most importantly, we stayed in touch with our clients.

Insurance rates change. Your life changes. Your coverage needs change. Your agent should be paying attention to those changes with you.

I’m incredibly grateful for the people who continued to reach out and stay in touch while I had to take the last two years away from the business.

It feels really good to be back doing what I built my agency around from the beginning:

Taking care of my clients.

07/27/2026

Julie and Malo learning about the current updates coming up for the 2027 insurance plans.

07/22/2026

What Many Townhome Owners Don’t Know About Their Insurance

One of the biggest misconceptions I see is this:

“The HOA’s master policy covers everything.”

Unfortunately, that’s often not the case.

If your homeowners association has a large deductible or suffers a major covered loss, the association may assess each unit owner for their share of the cost. That’s where Loss Assessment Coverage on your HO-6 condo/townhome policy can become incredibly important.

Another area many owners overlook is Dwelling Coverage (Coverage A).

Depending on your association’s master policy, you may be responsible for insuring:

* Cabinets
* Flooring
* Countertops
* Built-in appliances
* Interior walls
* Fixtures
* Improvements and upgrades you’ve made

Not all master policies are the same. Some are bare walls, some are single entity, and others are all-in policies. Your personal policy should complement—not duplicate—your association’s coverage.

I’ve also seen associations with very high deductibles for wind, hail, or other perils. If your share of that deductible exceeds your Loss Assessment limit, you could be responsible for paying the difference out of pocket.

The best insurance policy isn’t necessarily the cheapest—it’s the one that protects you when you actually have a claim.

If you own a townhome or condo, it’s worth taking a few minutes to review:
✅ Your HOA’s master policy
✅ Your Loss Assessment limit
✅ Your Dwelling Coverage
✅ Your HOA deductible responsibilities

A 15-minute coverage review today could prevent a very expensive surprise tomorrow.

07/17/2026

Florida Drivers Age 55+ – Save on Your Auto Insurance! 🚗☀️

If you're 55 or older and live in Florida, you may qualify for an auto insurance discount by completing a Florida-approved Mature Driver Improvement Course.

✅ Many insurance carriers offer a mature driver discount after you complete the course.
✅ The discount can continue for up to 3 years, provided you remain eligible under your carrier's guidelines.

At Guardicares Insurance Agency, I believe in making sure my clients receive every discount they're entitled to. It's one of the many ways we help you protect what matters while keeping insurance costs as low as possible.

If you have questions about the mature driver course or would like me to review your policy for available discounts, I'm happy to help.

📞 Julie Evans
Guardicares Insurance Agency
763-280-7821

07/17/2026

Minnesota Drivers Age 55+ – Don't Miss This Discount! 🚗💰

If you're 55 or older and haven't taken the Minnesota 55+ Defensive Driving (Drive Safe) Course, now is a great time!

✅ Most insurance carriers offer a 5% discount on your auto insurance after you complete the course.
✅ The discount typically remains in effect for 3 years before you'll need to take the refresher course.

At Guardicares Insurance Agency, I believe in making sure my clients receive every discount they're eligible for. Even small savings add up over time!

If you have questions about the course or want to make sure you're receiving all available insurance discounts, I'd be happy to help.

📞 Julie Evans
Guardicares Insurance Agency
763-280-7821

07/13/2026

💰 Are You 55 or Older? You May Qualify for an Auto Insurance Discount!

At Guardicares Insurance Agency, we're always looking for ways to help our clients save money—not just at renewal, but all year long.

If you're 55 or older, you may qualify for a defensive driving course that can earn you an auto insurance discount. Here's how it works:

✅ Complete the approved course using the QR code.
✅ Send your completion certificate to your insurance company or agent.
✅ Receive a discount on your auto insurance—typically around 5% per year.
✅ The course certification is generally valid for 3 years, so you continue to enjoy the savings during that time (eligibility and discounts vary by state and carrier).

Many people have never heard about this opportunity, and that's exactly why we share it. We believe in helping our clients find every available discount and coverage option—not just selling a policy.

That's the Guardicares difference.

📞 Questions? We'd be happy to help you determine if you qualify.
Guardicares Insurance Agency
☎️ 763-280-7821

07/05/2026

If you're looking for a quote on your personal or commercial insurance, I've made the process easier than ever!
If you have an online login with your current insurance carrier, simply use the secure link below. Your existing policy information can automatically populate into my quoting system, making the process much faster and more accurate.
This allows me to:
✅ Compare your current coverages
✅ Identify potential coverage gaps
✅ Provide recommendations based on your needs
✅ Shop multiple carriers to help you find the best value
My goal isn't just to find you a lower premium—it's to make sure you're properly protected.
I'm excited to be back serving my clients! You'll recognize a few of the same friendly faces as before, but with an even stronger commitment to outstanding service and responsiveness.

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