Business Insurance:
In todays litigious society business insurance has become very complicated. We can guide you through the process so you get the right coverage at the best price.

What is the most important aspect of a business policy today?

Liability: If you injure or damage a person or their property, you are liable to that person for damages. That’s a basic premise of our legal system. This premise came out of the English Common Law system as adopted by America. Some types of liability include contractual, product, and professional. The most familiar liability is negligence, or failing to avoid injury to others or their property.

Negligence is based on taking reasonable care to avoid bodily injury or property damage to others. We guard against the cost of our negligence with liability insurance. The same act may make you both criminally and civilly liable to others. However, liability insurance only protects against civil responsibility.

CALL 612-670-0979
EMAIL: info@alkalaiinsurance.com
For A Risk Assesment

Life Insurance:

The amount of life insurance you have will indicate what kind of life your beneficiaries will have. We can do a FREE needs analysis and get you the right coverage so you don’t have to worry about what happens after.

If you were to die this moment, what kind of a life will your family have?

Life insurance is a simple concept -- you buy a policy that pays to your beneficiary or beneficiaries when you die -- but the decisions of what kind life insurance to purchase, how much of a death benefit and how much you pay are extremely complex.

* Note. There are more than 2,000 companies selling life insurance in this country. Some are very good, financially solid companies; others are not so sound. A company’s financial strength is vitally important to you because, hopefully, no one is going to collect on your life insurance for a long time.

You want to make sure your life insurer will be around for the long haul. How do you do this? You can consult a seasoned insurance professional, which is probably your best bet, or you can look at how various independent organizations “rate” the life insurers you are considering. Ratings are like school grades, A+, A, A-, B+, etc. In general, it’s wise to stick with companies that are rated A or better by most rating organizations.

· Term Life

· Yearly Renewable Term Life(Group Life) 

· Universal Life

· Whole Life

· Mortgage Life

· Variable Life

CALL 612-670-0979
EMAIL: info@alkalaiinsurance.com
FOR A FREE LIFE NEEDS ANALYSIS