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Justin Skarie Agency - Country Financial

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Justin Skarie Agency - Country Financial

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I pride myself on working hard to provide the best possible service to my clients. I also enjoy meeting new people and building one-on-one relationships.

Being able to help people is a central part of my life and I’m happy I can be of service to my clients and community. Open and honest discussions are an easy way for my clients and I to connect and ultimately, help them secure their financial security goals.

10/07/2026

Life insurance is a vital part of protecting your financial future and it will never be more affordable than it is today.

So, how affordable is life insurance, really?
The truth is, it depends on many factors, like age, health, lifestyle, coverage amount, etc. The good news is that even though the factors influencing your rate may feel extensive, getting life insurance is easier than ever. Life insurance companies use advanced underwriting methods to make the process easy for you.
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How can I lower my life insurance cost?
There are a variety of life insurance options that can fit your needs and budget. But if you want to try to lower your rate, these steps may help:
✅ Purchase a policy at the youngest age possible. Parents may consider purchasing a policy for children as their premiums are typically much lower than an adult’s.
✅ Live a healthy lifestyle. Individuals who live healthy lifestyles generally have lower premiums than those who don’t, as they tend to live longer and have a better quality of life.
✅ Review your insurance options. Term life insurance is typically less expensive than whole life insurance, since you are only paying for it for a certain amount of time.
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If you don’t have life insurance or haven’t reviewed your policy in a while, meet with me to discuss what life insurance is best for you right now and how much you can expect to pay for it. You might be surprised to learn that it’s more affordable than you first thought.

09/30/2026

Harvest season is here — a time of hard work and high risk for farmers.

COUNTRY Financial client Adam Roberts faces the season with confidence, knowing his life insurance policy and trusted rep are ready to support his family if the unexpected happens.

“If that day comes... I’m not in control anymore,” he said. “I need somebody there that I can count on.”

Protect what matters most. 💚

Learn more about how I can help you secure your legacy with a life insurance policy built for your needs at countryfinancial.com/life

09/23/2026

You’re not just planning for today anymore. You’re building what’s next.

The first step is often just having a conversation. If you'd like to talk through your goals, questions, or next steps, I'm here to help.

09/16/2026

Like lots of decisions in life, you have options to consider. The same is true when choosing the right life insurance. So, if you don’t know where to start, we can help!

Here are some factors to consider when choosing between the different types of life insurance:
🟩 Length of coverage: Do you want a lifetime policy (permanent) or one that lasts for a set number of years (term)?

🟩 Cost of premiums: Are you looking for a low monthly payment (term) or can you swing a bit more (permanent)?

🟩 Option for cash value: Do you want your life insurance policy to build cash value over time (permanent)?

Need a little more help understanding the difference between term & permanent life insurance? Think of them this way:
🟩 Term life insurance is like renting: you’re covered for a set time and have the option to renew.
🟩 Permanent life insurance is like owning a home: as long as you pay your mortgage, it’s yours, and you can build equity over time

Let’s chat to discuss more about the different types of life insurance.
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we’re committed to helping you protect your today and plan for your tomorrow. Follow us for more on how you can protect the life you love.

https://www.countryfinancial.com/en/insurance/life-and-health/life.html

09/09/2026

How much is life insurance?
It depends on your age, health, lifestyle & coverage—but getting covered is easier than ever thanks to modern tools.

Want to lower your life insurance rate?
✅ Buy early
✅ Practice healthy habits
✅ Consider term life

There’s a plan for every budget. Let’s chat to find the right fit for you—you might be surprised how affordable life insurance really is!
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we’re committed to helping you protect your today and plan for your tomorrow. Follow us for more on how you can protect the life you love.

https://www.countryfinancial.com/en/insurance/life-and-health/life.html

09/02/2026

When it comes to protecting what matters most, few things fit the bill as closely as life insurance if you’re a parent. It can be difficult to face things that are often out of our control. So why not rest a little easier? Visit our life insurance calculator and see what’s right for your family.

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we know a thing or two about keeping families protected through all stages of life. We’ve been at it since 1925. Follow us for more on how to protect what matters most.

08/20/2026

You know, it’s the little things for me. 👍

07/15/2026

Five times and counting! For the fifth year in a row, COUNTRY Life has been recognized on Ward’s 50 list of top performing life insurance companies for 2026.

This award is given for outstanding financial results in the areas of safety,
consistency and performance over a six-year period (2020-2025).

Give me a call today to find out how you can protect what matters most.

07/07/2026

Lakes Area - Were you impacted by 7/06/2026 storm? We pray you are safe and our Team is ready to help! Our local storm adjusters have mobilized and are working hard to get to all our clients as fast as possible. Please understand that there is a lot of damage in our community in areas, but we are doing everything we can to help in your time of need - that is what we are here for! Here are a few tips in the meantime to help you get started:

✅ Report your claim promptly by calling the Detroit Lakes office at (218-844-7000), calling COUNTRY Financial claims at (866-268-6879), visiting countryfinancial.com, or using the COUNTRY Financial Mobile App.
✅Document the damage. Make an inventory list of damaged property (including vehicles) and take photos to support your claim.
✅ If food spoils due to power loss, take pictures of the refrigerator and food before throwing anything away.
✅ When it’s safe, prevent further damage by taking steps like placing tarps on damaged roofs.
✅ Save receipts for emergency repairs, even small purchases like tarps or duct tape.

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is committed to helping you protect your today and plan for your tomorrow.

06/25/2026

If you’ve ever thought that you may not have enough life insurance, you’re not alone. According to the 2025 Insurance Barometer Study Report, 25 million Americans feel that they are underinsured, while 74 million Americans don’t have any life insurance at all.

So, what stops us from getting the coverage we know we need? Cost, or more accurately, perceived cost. Historically, nearly three-quarters of Americans overestimate the cost of a basic term life insurance policy. It’s worth noting that respondents, 35 and under, who said they were healthy overestimated the price of life insurance 7-10x the actual cost.

The truth is the right life insurance for your needs might be more affordable than you think. Learn more about life insurance and what options are available to you at countryfinancial.com/life.

we know a thing or two about keeping families protected through all stages of life. We’ve been at it for over 100 years. Follow us for more on how to protect what matters most.

Address

501 Main Street W
Detroit Lakes, MN
56501

Opening Hours

Monday	8am - 5pm
Tuesday	8am - 5pm
Wednesday	8am - 5pm
Thursday	8am - 5pm
Friday	8am - 5pm

Telephone

+12188447000

Website

https://advisors.countryfinancial.com/usa/mn/detroit-lakes/justin-skarie

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