Heart with family inside and shield with a checkmark, symbolizing safety.

Coverage for Families, Employees & Futures

Life & Health Insurance

Planning for the future means protecting both your health and your loved ones. Johannes Agency provides life and health insurance for families and businesses across Willmar, Olivia, and West Central Minnesota. Whether you’re seeking an individual policy, Medicare options, or employee benefits, our team connects you with solutions tailored to your needs.

What’s Included in Life & Health Insurance

Life and health insurance policies can be customized for individuals, families, or employee groups. Common coverages include:

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Term Life Insurance

Affordable coverage for a set period, often chosen for family protection.

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Whole Life Insurance

Lifetime coverage with a cash value component that builds over time.

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Group Life Insurance

Employee benefit programs providing basic coverage for staff.

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Individual Health Insurance

Coverage for doctor visits, hospital care, prescriptions, and preventive services.

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Group Health Insurance

Health benefits offered to employees, improving recruitment and retention.

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Medicare Plans

Supplemental options to cover gaps not included in standard Medicare.

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Disability Insurance

Protects income if an illness or injury prevents you from working.

Who We Help Protect

Johannes Agency provides life and health solutions for individuals, families, and businesses, including:

  • Young Families

    Affordable term life policies for growing households.

  • Retirees

    Medicare supplement plans to help manage healthcare costs.

  • Business Owners

    Group health and life benefits for employees.

  • Individuals

    Custom health plans for those without employer coverage.

  • Farmers & Self-Employed Workers

    Flexible policies to protect income and health.

Life & Health Insurance FAQs

Here are answers to the most common questions Minnesotans ask about life and health insurance:

  • What’s the difference between term and whole life insurance?

    Term life covers you for a set period (like 20 or 30 years) and is typically more affordable. Whole life lasts a lifetime and builds cash value, making it a good option for long-term planning.

  • Do I need life insurance if I don’t have dependents?

    Yes. Life insurance can still cover final expenses, debts, or charitable giving. It’s also less expensive to purchase when you’re younger and healthier.

  • What kinds of health insurance can you help with?

    We work with both individuals and businesses to set up health plans. This includes individual policies, group benefits, and Medicare supplement plans for retirees.

  • Is disability insurance really necessary?

    Yes. Your ability to earn an income is one of your most valuable assets. Disability insurance helps replace income if you’re unable to work due to injury or illness.

  • Can Johannes Agency help with employee benefits?

    Absolutely. We design group health and life insurance packages that help employers support their teams and stay competitive in today’s job market.