WHY SHOULD I BUY MY LIFE INSURANCE FROM Bjorklund Insurance Agency ? Bjorklund Insurance Agency is a leading life insurance agency.  In a matter of minutes, we compare the prices, features, and financial strength of the top life insurance products from the nation’s largest companies. Our universal life insurance is comparable to term life prices. Many online life insurance services simply "quote" the lowest rate available in the marketplace without regard to important factors, such as a health and lifestyle profile. Consumers apply for the cheapest rates and find out later they do not qualify for the rate "quoted."  Often consumers settle and pay much more than they should. At Bjorklund Insurance Agency, licensed and experienced customer service representatives handle incoming application requests. Our employees are knowledgeable professionals who are able to determine the rates and policies for which you are likely to qualify. Finding you the lowest price is easy. Finding you the best value requires the few additional minutes Bjorklund Insurance Agency is willing to take HOW MUCH LIFE INSURANCE IS ENOUGH? As a "rule of thumb," many experts recommend you purchase coverage at an amount equal to 8-10 times your yearly salary. Bjorklund Insurance Agency  provides you with a accurate and personalized needs analysis.  Bjorklund Insurance Agency  is life/health insurance agency. In a matter of minutes, we compare the prices, features, and financial strength of the top life insurance products from the nation’s largest companies.

HOW DO I APPLY? Complete the online customer information form. (leave no blanks). DOES IT COST TO APPLY? No. The insurance company pays for all of the underwriting expenses, including the exam. The examiner will come to your home or place of business. WILL I FIND THE SAME PRODUCT FOR LESS THROUGH ANOTHER QUOTE SERVICE OR AGENT? Maybe. Life insurance pricing is different with each individual company.  This is where your agent  will show you the best prices. To ensure you receive an accurate quote, Bjorklund Insurance Agency  professionals gather information on your health and lifestyle before determining your risk class. That’s why it’s important that you answer all questions honestly. The rate you’ll receive from Bjorklund Insurance Agency  is the rate you for which you will likely qualify. WHAT FINANCIAL CRITERIA IS USED IN SELECTING A SAFE INSURANCE COMPANY? Insurance company rating organizations assign letter grades (from A++ to F) to all insurance companies. The letter grades represent the company’s financial strength, integrity, performance and claim-paying ability. Bjorklund Insurance Agency  only represents companies with a rating of A or higher by A.M. Best, the most recognized insurance company rating organization.

WHAT IF I USE TOBACCO? Rates for smokers are higher than for non-smokers. However, there are a few companies that treat tobacco users more favorably. (For example, one company qualifies cigar, pipes and chew as non-smoking.) Bjorklund Insurance Agency  knows which companies offer low rates for tobacco users. Applying with one of these companies can save you as much as 50% on your premiums! HOW DOES BJORKLUND INSURANCE AGENCY MAKE MONEY IF THE SERVICE IS FREE? If you choose Bjorklund Insurance Agency, as we hope you do, we are paid by the insurance company IS THERE A MONEY BACK GUARANTEE? Yes. If you change your mind during the application process, you’ll receive a full refund, no questions asked. This guarantee continues ten full days after your policy is delivered to you.

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