Amy Haugen Licensed Agent

06/15/2025

Have a great day to all of the dads and grandpas

05/10/2025

Do you have life insurance?
Contact me at 701-595-4453 -

Let’s see what option fits your needs and wants for your family ❤️

Life insurance offers a number of benefits that can help protect your family financially and provide peace of mind. Here are five key advantages:

Financial Protection for Loved Ones: Life insurance provides a financial safety net for your dependents if you pass away. The death benefit payout can be used to cover living expenses, pay off debts (mortgages, loans), fund education, and help maintain their standard of living.

Income Replacement: Life insurance can replace the income you would have provided if you were still alive. This is particularly important if your family relies heavily on your earnings to cover daily expenses and long-term financial goals.

Coverage for Final Expenses: Funerals, burials, and other end-of-life costs can be significant. Life insurance can help cover these expenses, alleviating a financial burden on your loved ones during a difficult time.

Tax Benefits: In many cases, life insurance death benefits are paid out to beneficiaries tax-free. Additionally, some permanent life insurance policies build cash value that grows tax-deferred.

Peace of Mind: Knowing that your family will be financially secure after your passing can provide tremendous peace of mind. Life insurance allows you to protect your loved ones and help ensure their financial well-being, even in your absence.

04/20/2025

01/17/2025

Life insurance is for their future, giving them peace of mind and security. It’s about protecting your loved ones no matter what. Secure their tomorrow, today

Call Me today at 701-595-4453, to chat about life insurance and see if we can find the right fit for you and your family.

11/28/2024

Happy Thanksgiving! We are grateful for YOU, our wonderful customers, and partners. May your day be filled with joy and gratitude. 🦃

09/29/2024

Pre AEP is just 2 days away!!
Contact me for all of your Medicare needs
701-595-4453

03/06/2024

3 Common Medicare Mistakes

Most Common Medicare Penalties

#1: The Part D Penalty
Many of the healthier people we speak with may not be taking any medications at all and therefore, don’t want to pay for a Prescription Drug plan that they do not plan on using.

However, if you do not enroll in a Part D drug plan and no not have any other *creditable* drug coverage, you will have a penalty added onto your drug plan once you do sign up for one. The penalty works out to roughly $3/mo for every 12-month period you don’t have a drug plan. So for example, if you wait until age 70 to get a drug plan….that is 5 years x $3/mo = $15/mo added on to your drug plan premium each month indefinitely.

How to avoid? If you don’t have other drug coverage, just get an inexpensive Part D Drug plan so that you avoid the penalty.

#2: The Part B Late Enrollment Penalty (LEP)
If you do not have *creditable coverage* and are eligible to sign up for Medicare Part B but miss your enrollment window, you will be charged a 10% penalty on top of your Part B cost which will stay with you forever. That comes out to roughly $17 extra per month for each 12-month period you don’t sign up for Medicare Part B when you should have. Yikes!

How to avoid? Simple, sign up for your Part B during the 3 month window before your 65th birthday or as soon as you lose coverage through an employer plan.

#3: Paying Extra Due To High Income (IRMAA)

If your income is above certain thresholds, the government will add on a “surcharge” to your monthly Part B and Part D premiums. In 2024, those limits are $103,000/yr as an individual and $206,000/yr filing jointly.

02/28/2024

National Pancake Day 02/28/24

What do you like on your pancakes?

My favorite is homemade chokecherry syrup 😀