I've been with ASB since 2008 and I love what I do. I'm proud to be working with a company that focuses on doing what is right for our clients. With today's economic and Healthcare changes, it's important to know that you have a company and an agent that understands your objectives and obstacles to help you come out on top. As your agent, I'm available beyond the normal 8-5 to accommodate your needs. If you have concerns at 9:00 pm or Saturday... call me and I'll be happy to help you.
Retirement Readiness Specialist Kim Hart Bio: MN born and raised in two rural counties! An Alumni of ARCC and St Mary's Mpls University with a Triple Bachelor's Degree in Business, Telcom, HR and Computer Science minor. I began learning about Medicare & the VA managing for 5 yrs. my father's coverages. As a Veterans advocate, I carry their blank applications. I joined the Center for Medicare Advocacy since 1997. I practice Lifelong studies in my love for new knowledge. Presently trying to become bilingual in Spanish. I have been a NW metro resident my whole adult life, 1st half in Coon Rapids & Champlin since 1997. Again single, with 3 daughters-Sara 27, Tessa 25, and Mara 20, & 1 son Joe 40. I am very proud that all completed Post Highschool education. Hilariously I was an "empty nester" for 7 mos. I was blessed with one grandchild, Liliana born 1/1/2019. My biggest fan, so my daughter tells me. Her mission is to make me relate to why my senior clients "love" being grandparents! Summer & Winter are my fav seasons. I am "up for" most any sport, adventure, travel, boating & water sports, & horseback riding. I enjoy timeshare ownership in both West Gate Lakes Travel club of Florida & at Breezy Point Resort. MN I look forward to more grandchildren & travel, having only been on foreign soil in Canada and the Bahamas! Currently seeking to renew both my CPR & PADI scuba training. I have been a licensed agent since July 2002, licensed in MN, SD, and Iowa.
Adjustments with COVID19 my 1st preference to meet with clients at their kitchen tables or at ASB Maple Grove Office or the clients' fav location comes via emails & with mask and gloves on myself or ZOOM video chats. Since 1997 I bring expertise & passion for educating myself & other agents with research & sources to set them apart as experts in Medicare Choices & planning for a secure 2nd half of life! The mixed blessing of being a self-employed contractor through ASB allows me a unique work-life balance to have Liliana Wed & Thursdays causing an expanded week. I am available 24/7 via text, & to meet with you 12 hr days Monday & Tuesday with 8 hrs Friday and 4hrs Sat. My 2002 License in Health/Life/Accident allows me to expand to specialize in Retirement focused insurance products. My 2008 partnership with American Senior Benefits allows a client-centric customization suitability approach to fill the need for coverage, rather than favoritism for the highest commission-based sales. I broker & service most companies registered in MN for the following: Life Insurance for replacement of Employer coverage for support and/or Final Expense as well as GERBER Grow-Up life policies; Transitional Health Insurance such as MNsure Individual Major Medical via my MNSure Broker Assister #5390088 plus educating folks on both national Original Medicare & a supplemental Medigap policy coverage VS a Managed Care COST or Advantage membership Plan risks & benefits. Critical Care & Cancer incident coverage to early planning for inevitable Long Term Care risk coverage against Asset loss & Care Choice! Preferably the MN Partnership for Long Term Care Act type of policy. Fixed Annuities for a safe & guaranteed protection for lifetime income with no risk for market loss for the many who seek my assistance to protect & help grow their 401K, CD's, and IRA nest egg. I guarantee we both will always expand on what we know in a meeting with me. Referrals make up about 90% of my client base. Through my own H.A.R.T. insurance's affiliation with ASB, I can sell any MN non-proprietary health/life/fixed annuity insurance product or MA Plan through certification testing. The team of specialists at ASB for Probate, Financial planning, Auto/Home, and Mortgage assistance round out the "One Stop Shop" my clients enjoy while not having their eggs "all in one basket" because of the array of companies ASB markets.
I grew up in the Twin Cities area. I graduated from Osseo High School and currently reside in Ramsey with my family. I’m married and have two beautiful daughters. When I’m not working I am active at my church, love spending time with my family, and teach martial arts. I’ve been teaching martial arts for over 40 years and am passionate about passing on my knowledge to others.
I enjoy being an Insurance Broker with American Senior Benefits. Before starting here, I was in Law Enforcement for 20+ years and my favorite part was helping others and training officers to do the same. I also worked in the manufacturing industry and developed training programs as part of my job. I have the heart of a trainer/teacher and carry that love with me now in my career with American Senior Benefits. I enjoy educating my clients about their Medicare benefits and helping them navigate through the complexities of retirement.
“I know there are a lot of people competing for your time right now. Interview me and allow me the chance to be the “professional you wouldn’t be without”. My goal is always to blow your socks off with value so you’ll run and tell everyone about me!”
I am happy to assist you in all your insurance needs, whether it be Medicare, long term care, retirement/annuity ideas, or life insurance planning and health care for all ages.
I lived the first part of my life in Green Bay, WI (a Packer fan) earning a teaching degree. Many years ago, I moved to St. Paul, MN where I met my husband, Mark (a staunch Viking fan). We have one son who attended the University of Minnesota. I completed graduate school at the University of St Thomas and then became a K-8 principal for nearly 20 years.
The last 12 years I have transitioned into the rewarding field of helping people with their insurance and retirement needs.
I love the outdoors, gardening, walking, reading and site-seeing on our many travels with my husband.
Danelle Orth is a Recruiting Coordinator and licensed insurance professional specializing in assisting clients with MNsure and major medical plans. She is ranked one of the top 50 MNsure brokers in the entire state of Minnesota.
In her spare time she enjoys boating, camping and fishing with her husband and three daughers. She also enjoys traveling to anywhere with a beach or mountain.
Peter Orth lives in Rogers with his wife Danelle, and three daughters: Danica, Naomi, & Gabrielle. He was born on a small farm north of Melrose, and is the youngest of twelve siblings. Pete enjoys giving back by serving on a mission team that mentors businesses in Haiti. Pete has been practicing retirement planning since 2001. He has since become a Certified Financial Planner, focusing on investment, estate, insurance, retirement, and tax planning. His well rounded views are a true benefit to any client regardless of their financial position.
I have been in the business going on 9 years now. I enjoy helping people understand the complexities of Medicare as well as educating them on how to prepare for retirement. I find that meeting one on one is the best way to get to know my clients and what their needs are, providing the products that best suit them.
Since I am a broker I can find the better products on the open market because I am not captive to any company or product. I am always taking certification classes to make sure I am up to date on the latest products and rules regarding retirement planning.
I like to review Life Insurance, Long Term Care planning, Medicare, and Retirement with my clients. My goal is always putting the interest of my clients first. I am a One Stop Shop (if you will) because I can handle every thing that pertains to ones retirement. I am always available by phone or e-mail!
My wife and I have 3 active children ages 17, 14, and 10. We enjoy volunteering at our church, (we make doughnuts!) attending school sporting events, playing games and watching movies. Our family also likes to go camping, have bonfires and spend time with our pets, family and friends.
I would be happy to meet you and assist you with your questions and needs.
I was born in Litchfield, MN of Meeker County and raised briefly in Rosendale & NE Minneapolis of MN. I grew up in Coon Rapids, MN. After high school I graduated from MN School of Business. I then worked for an insurance company in their workman's compensation department as a Claims Assistant. I have a background in Long Term Care as I worked in a local nursing home's business office billing for Medicare, Private Insurance Companies, and VA.
I was married for 27 years (husband deceased. I have three grown children, two biological (daughter and son) and one step daughter. I have a grandson that keeps me on my toes in all areas of life!
My spare time I stay in touch with family members and friends via Facebook, etc.and enjoy doing the following: ATV riding, snowmobiling, walks in the woods that I own near me, fishing, going to movies, travel to new spots, especially to places that have a lot of history, and I tried Scuba Diving as an Adult Boy Scout Leader. Have volunteered for the American Heart Association, American Cancer Society, and American Diabetes Association, as well as at my church in various activities and Feed My Starving Children via ASB.
When I meet with prospects at either the office or wherever they choose my goal is to put you in a better position then what I found you in and help you through the various stages of life. My commitment to you is an ongoing one with a two-way situation.
Dave Ramstack lives in Edina, MN with his wife Ali, and two boys Augie & Miller. His background includes 18 years as a financial advisor providing solutions to individuals, and corporations. A diverse background that has given him experience working for premier companies in the banking, insurance, and brokerage industries. Dave’s research minded focus on both the offensive, & defensive sides of Wealth Management has given him a very unique way of seeing things, and the ability to pass this perspective to his clients.
Lu has spent her entire career in the insurance industry and has over 15 years of experience working in the Senior Market offering Medicare Supplemental Insurance, Life Insurance, Long Term Care Solutions and Retirement Planning. She believes that having a strong relationship with her clients that is built on trust, education and followup has been the key to her success. Lu's "happy place" is spending time on the lake in northern Minnesota with friends and family.
Before starting her career in insurance Tina worked at her family’s business where she learned firsthand how to treat people with respect. That philosophy has followed her into insurance sales in the senior market where she realized how important it is for people to really understand Medicare and supplemental insurance. She takes great pride in getting to know each person she meets with to recommend plans and policies to fit the individual’s healthcare needs and not break the bank. Tina was raised in rural Montgomery MN, and now resides in Apple Valley with her husband and three boys. She loves spending time and their cabin, golfing, cooking and being with friends.
I have spent my entire career in and around the health insurance world. Whether it's been as a broker finding solutions to individual needs or advising small businesses on their benefits and retirement options, my experience and passion has prepared me to achieve the goal of serving the concerns of my clients. So many questions arise at that wonderful time in life when we plan for retirement. As a student of medicare and retirement planning I will walk you thru the medicare maze and you will come out the other side with a solid plan in place!
I was born and raised in St. Cloud, Minnesota. I now reside in Waite Park with my wife, Norine. We have a growing family which includes our three boys and seven grandchildren. When I am not working, I enjoy family activities, fishing, hunting and the outdoors. I am involved in my community and volunteer with scouting, city planning/festival committees, city council, and teaching youth how to fish through a local fishing club.
I have been an Insurance Agent/Trainer since 2009. Licensed in Health Insurance including Medicare, individual, health insurance. Life Insurance for all ages along with Final Expense plans and Long-Term Care and Annuities.
Serving the needs of individuals and families in the insurance industry since 1995. Combined with 13 years of work in Human Resources brings extensive knowledge of health and life insurance needs in an ever changing world. Keeping people informed in how to obtain coverage and all the choices that are available to a consumer is my specialty.
It has been my pleasure to work for American Senior Benefits Minnesota since 2011. I am a licensed insurance professional who enjoys supporting all of the wonderful agents we have at our location. I enjoy weekends at my cabin in Wisconsin and spending time with my family.