Benefits Ahead - Powered by Farmers Union Insurance

05/19/2026

ICHRAs are changing the game for employee benefits. 🚀

Instead of a one-size-fits-all health plan, an ICHRA allows employers to give employees tax-free money to choose the individual health coverage that fits their needs best. More flexibility, more personalization, and often more cost control for businesses.

Smarter benefits. Better options. A modern approach to healthcare.

04/27/2026

Take a look at what our clients are saying 👇

You might notice a common theme… service and education! That’s exactly where we set ourselves apart.

We are here to make sure you feel informed, supported, and taken care of every step of the way.

If you’ve worked with us, we’d love to hear from you!

Feel free to leave a review using this link!
https://bit.ly/BenefitsAheadReview

04/06/2026

👻🚗 Who you gonna call? This Ghostbusters Little Tikes Car is ready to roll—busting ghosts and fighting youth homelessness! 💚Place your bid to win this custom ride, with all proceeds supporting Matthew's Voice Project and their mission to help homeless and at-risk children in the Fargo/Moorhead area! Let’s make a difference together!

Use this link to view the cars.
https://matthewsvoiceproject.com/cozymakover

Use this link to donate to our car!
https://matthewsvoiceproject.ddock.gives/?givingPageId=08c0ff7c-8b3d-47e6-b2b1-619622aa79a2

04/05/2026

12/23/2025

Benefits Ahead - Powered by Farmers Union Insurance and Farmers Union Insurance-Shane Kleingartner Agency are such amazing partners! They came together one more time in 2025 to donate hats, mittens, and scarves. Their generosity has added 55 opportunities for winter warmth for our students!

11/17/2025

We have partnered with Farmers Union Insurance-Shane Kleingartner Agency and Marah Kleingartner to host a hat and glove drive for local kids this winter!

Please show your community support by donating hats, mittens, scarves, etc by December 10th!! All donations will be hung on our Christmas tree at the office and then donated to a local charity before Christmas!

Please bring donations to our office at
4141 38th ST SW, STE C
Fargo ND 58104

Thank you to all who decide to participate!

09/17/2025

The Benefits Ahead Team had a great time last night at the Matthew's Voice Project co****le tournament!
•
Ben and Luke beat Dom and John for the 3rd place spot!
•
Thanks to all of the teams for supporting such an amazing cause!
****le

08/27/2025

Are you exploring better health benefit options for your company?

I just released a short video inviting you to a live discussion on ICHRA (Individual Coverage Health Reimbursement Arrangement). Whether you're an employer, or just curious, this is a great opportunity to ask questions and learn how ICHRA could work for your organization!

Watch the video and join the conversation on September 3rd at 12pm CST. Let’s talk strategy, flexibility, and the future of employee benefits.

08/25/2025

Meet John Guzman! — a steady leader in both business and life. 💼☑️
•
He began his insurance career in South Texas in 2011, focusing on worksite benefits and building a reputation as a thoughtful strategist who puts people first. Since joining Farmers Union in 2016, John has specialized in helping companies design affordable, meaningful benefit solutions that truly protect employees.
•
Outside of work, John is most proud of being a dedicated father and mentor. Whether he’s in the outdoors hunting, snowboarding, or kayaking, or simply leading with quiet consistency, John’s focus is always the same: creating lasting impact for the people around him!
•
Benefits Ahead is more than thankful for John and his commitment to making our team stronger!

08/20/2025

Ben and John had a fun time at the Vikings Pre-Season game Vs. the Patriots! Go Vikes! 🏈