Permanent Life Insurance and Medicare Solutions from
Solvera Insurance Advisors 

The foundation of financial stability. Whole Life offers a guaranteed death benefit, a fixed premium, and tax-deferred cash value growth at a predictable rate. Choose permanence and predictability for your legacy. 

Need coverage that adapts to your life? Universal Life provides lifelong protection with the flexibility to adjust premiums and potentially modify your death benefit amount as your circumstances change. 

The best of both worlds: IUL allows your cash value to grow based on a market index (like the S&P 500) while a guaranteed floor protects you from market losses. Great growth potential without the risk. 

For high-net-worth clients comfortable with market exposure, VUL offers maximum growth potential by allowing you to invest your cash value directly into market-based sub-accounts. Higher risk, higher reward. 

The most affordable path to lifelong protection. GUL strips away the complex investment features to guarantee a death benefit up to an advanced age (often 121), making it ideal for pure protection needs. 

Simple, affordable Whole Life policies designed specifically to cover burial, funeral, and final costs. Features simplified underwriting, often with no medical exam required. 

Get independent, local guidance for your health coverage. We help seniors in the Twin Cities compare and enroll in Medicare Advantage, Medicare Supplement (Medigap), and Part D prescription drug plans.