Geer/Hruby/Ressler Agency
Johnson Ressler Geer Hruby

1820 E Broadway Ave
Bismarck, ND 58501

Email Me
Phone: (701) 223-3715
Cell Phone: (701) 202-0119
Fax: (701) 223-3719

Office Hours:
9:00 - 5:00, M-F
Request a Quote
Request a Quote
By Email or call us
(701) 223-3715
(701) 223-3715

Insurance Quotes & Additional Offerings

Many of us do not have any or not enough Life, Health and LTC Insurance and we should really take a deeper look at all three to protect our families’ future.

Insurance in North Dakota

Life Insurance

Let us start off with Life Insurance. Most people especially the younger generation do not see the need for Life insurance. People believe that if they cannot actually use something after they are dead it is of no use to them but they are wrong. Whole life products are the most expensive but will build into a very important investment tool for your future years of retirement or if you ever need to cash it in for you can. Universal Life also build cash value over time and can be surrendered at a future point for its current cash value, it can also be sold to a third party in an agreement if you are ever diagnosed with a life threatening disease. Term Life rates are the least expensive, but usually do not build cash value, but pay out in case of a death.

Health Insurance

Health Insurance is one of our country’s biggest obstacles just for the plain fact that it is really expensive and for some hard to obtain if they have an illness. Without health insurance one can lose everything they own if they were to get ill. For example let’s say you get diagnosed with cancer you’re looking at least 6-12 months of no work, which would decimate most people’s savings account if they even have one and without insurance to pay the bills the courts can take your assets including your home to pay the balance. Over 50% of bankruptcies are caused by a sickness. Once you are diagnosed with a life threatening sickness and you don't have coverage in place obtaining a traditional policy is very difficult and in most cases impossible, and then your only option is to obtain a guaranteed issue product which does give you some level of protection but not nearly as much as major medical plan or a catastrophic policy.

Long Term Care Insurance

Long Term care is similar to Life and Health Insurance but the deductible is time not money. Long-term care (LTC) insurance is important coverage that provides valuable support and financial resources that help cover the cost of long-term care you might need in the event of an illness, accident, or through the normal effects of aging. By helping to protect your assets, and giving you choice and control over where you receive care including in your home LTC insurance helps you and your family face the future with confidence.

For any kind of insurance quote in ND, please call us directly at (701) 223-3715 or you can use our short online quote request form and we will get right back with you.

Geer/Hruby/Ressler Agency
1820 E Broadway Ave
Bismarck, North Dakota  58501
Serving Bismarck, ND
Phone: (701) 223-3715
Cell: (701) 202-0119
Fax: (701) 223-3719
Email: jamie.ressler@fumic.com
Website – www.FarmersUnionInsurance.com/bjohnson
 
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