You’re a person, not a policy.
We’re creating Peace of Mind for the People we Care About.

Insuring Clients in Lake Elmo, Stillwater, Woodbury, St. Paul, Eastern Twin Cities, Minnesota as well as Hudson and Western Wisconsin


What does my credit rating have to do with purchasing insurance?

Credit scores are based on an analysis of an individual’s credit history. Insurers often generate a numerical ranking based on a person’s credit history, known as an “insurance score,” when underwriting and setting the rates for insurance policies. Actuarial studies show that how a person manages his or her financial affairs, which is what an insurance score indicates, is a good predictor of insurance claims. Insurance scores are used to help insurers differentiate between lower and higher insurance risks and thus charge a premium equal to the risk they are assuming. Statistically, people who have a poor insurance score are more likely to file a claim.

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