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Life Insurance Made Simple

Protect your loved ones with coverage that’s clear, honest, and built around your life. We make life insurance simple—no pressure, just guidance you can trust.

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Takes less than 2 Minutes

Your Life Insurance Options

We offer a range of life insurance plans to fit your needs, goals, and budget—whether you’re protecting family, planning ahead, or covering final expenses.

Term Life Insurance

Affordable coverage for a set number of years—ideal for young families or mortgage protection.

Whole Life Insurance

Guaranteed lifelong protection plus a cash value you can borrow from or use in the future.

Universal Life Insurance

Adjustable premiums and benefits—perfect if your needs or income may change over time.

Final Expense Insurance

A simple, affordable policy to ease financial stress on your loved ones during a difficult time.

Indexed Universal Life (IUL)​

Links cash value growth to market indexes while offering death benefit protection—great for long-term financial strategy.

No-Exam Life Insurance

Skip the medical exam and still get coverage—ideal if you need insurance quickly or have health concerns.

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Is This Right for You?

Not sure if life insurance makes sense for you? Here are a few common situations where it can make a big difference—for your family, your future, and your peace of mind.

  • You want to protect your family financially
  • You’re nearing retirement and planning your legacy
  • You run a business and want to cover liabilities
  • You’ve felt overwhelmed by other insurance websites
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Why T3 Insurance

Choosing life insurance is a big decision—you deserve guidance from someone who puts your needs first. Here’s why people across Minnesota and Wisconsin trust T3 Insurance.

  • Independent advice tailored to your situation
  • Clear, pressure-free explanations
  • Fast, modern process—no confusing paperwork
  • Local support across Minnesota & Wisconsin
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Takes less than 2 minutes

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Clients We’ve Helped

Real stories from people we’ve helped—shared with trust and gratitude.

Kyle made everything so easy to understand. I finally feel confident about my insurance choices.

Jessica T.
Minneapolis, MN

Fast, friendly, and honest. T3 Insurance felt like working with a trusted friend, not a sales rep.

Mark R.
Eau Claire, WI

I had no idea what I needed, but Kyle walked me through every option without pressure. Highly recommend!

Angela M.
Duluth, MN

After years of dealing with big companies, working with Kyle was a breath of fresh air. Personal service that actually cares.

David B.
St. Paul, MN

Kyle is great at follow up and reaching out when needed. When a claim needs to be taken care of Kyle is very fast and helpful with the process

Harrison Falteisek

Kyle is great to work with and has lots of knowledge on insurance and how AFLAC can help with expenses both on a personal level and for small business owners. When he says he's got you "covered under his wing" he truly means it. Highly recommended!

Daskocina

Frequently Asked Questions

Get quick answers to the most common questions our clients ask—no jargon, just clarity.

It depends on your income, debts, and what you’d like to leave behind. We’ll help you calculate a number that makes sense.

Some policies require one, others don’t—it depends on the type and amount of coverage.

Yes! Life insurance is flexible. We can review and adjust your coverage as your life changes.

Most plans cover death due to illness or accident. Suicide and fraud may be excluded in the first 1–2 years. We’ll explain all the details.

Let’s Find the Right Life Insurance Plan for You

Let’s take the next step together. Whether you’re ready to get a quote or just want honest answers, we’re here to help—no pressure, ever.

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Schedule a Call with Kyle