Life Insurance – Term Insurance

for individuals and families

Life insurance for
individuals and families and business own

Whether you're just starting out, growing your family, or securing your golden years, make sure you're in the right place today in order to build the life you want tomorrow.

Life doesn't come with any guarantees. That's why there is life insurance and term insurance. Life insurance and term insurance helps provide some financial security in the event of the unthinkable. With each payment you know you're helping to protect your family with a way to help cover medical bills, funeral costs, mortgage or rent, college tuition and many other living expenses. That's peace of mind for you knowing that regardless of what happens, you've provided for them.

Life insurance can be very affordable even when you have a tight budget. Our agents that support families and businesses and will make it easy to find the right life insurance solution for you by understanding more about your life and your overall financial goals.
Our life insurance tips and videos
Be sure to read our insurance tip about buying life insurance for those you love, but also to help protect your legacy:

We also have a great video on the basics of life insurance (“Life Insurance 101”). Please watch:


Term insurance for individuals and families

You provide for your family every day helping take care of everything from scraped knees to groceries, college savings to mortgage payments. They know you're always there for them. Term life insurance helps keep that promise, even if you pass away. It's tough to think about, but just a small monthly payment, called a premium, can help provide a level of financial protection and security to your family.

Get to know how life insurance works

Purchase a policy for an affordable cost (premium) based on your personal health history and age. This premium will not change during the guaranteed premium period of the policy.
The length of time your policy will last, as long as premiums are paid on time and you are still living. Term lengths range anywhere from 10 to 30 years. You choose a length of time and your payments stay the same until the end of your term.
The amount of death benefit (payment) your beneficiary will receive if you pass away while your policy is in force.
Your beneficiary could count on the life insurance money to help with housing expenses, provide child care if needed, and take care of life's planned and unplanned expenses.
You may be able to renew or purchase a new policy at the end of your term. You can add riders, allowing you to customize your life insurance policy according to your needs. You may also be able to convert to a permanent policy as specified within your term policy pages, without needing a medical checkup.
Call us today for your free life insurance or
term insurance quote for your family or business

(952) 473-2110

If you like the numbers that we send you - you can start your new life insurance policy over the phone.  It's that simple!
MINNESOTA cities that the Jim Harper Insurance Agency serves:

Afton, Albert Lea, Andover, Annandale, Anoka, Anoka County, Apple Valley, Arden Hills, Austin, Bayport, Bethel, Blaine, Bloomington, Brainerd, Brooklyn Center, Brooklyn Park, Buffalo, Burnsville, Champlin, Chanhassen, Chaska, Cloquet, Columbia Heights, Coon Rapids, Corcoran, Cottage Grove, Cross Lake, Crystal, Dakota County, Dayton, Deephaven, Delano, Dellwood, Detroit Lakes, Duluth, Eagan, Eden Prairie, Edina, Elk River, Excelsior, Fairmont, Falcon Heights, Faribault, Farmington, Forest Lake, Fridley, Fergus Falls, Gem Lake, Golden Valley, Grand Rapids, Greenfield, Greenwood, Hamel, Hastings, Hennepin County, Hibbing, Highland Park, Hopkins, Independence, Inver Grove Heights, Lake Elmo, Lakeland, Lakeville, Lauderdale, Lexington, Lilydale, Lino Lakes, Little Canada, Long Lake, Loretto, Mahnomen, Mahtomedi, Mankato, Maple Grove, Maple Lake, Maple Plain, Maplewood, Mayer, Medina, Mendota Heights, Minneapolis, Minnetonka, Minnetonka Beach, Minnetrista, Monticello, Mound, Mounds View, Navarre, New Brighton, New Hope, Newport, North Mankato, North Oaks, North St. Paul, Norwood, Oakdale, Orono, Plymouth, Prior Lake, Ramsey, Ramsey County, Richfield, Robbinsdale, Rochester, Rockford, Rogers, Rosemount, Roseville, Savage, Shakopee, Shoreview, Shorewood, South St. Paul, Spring Lake Park, Spring Park, St. Anthony, St. Bonifacius, St. Cloud, St. Croix, St. James, St. Louis Park, St. Michael, St. Paul Park, Stillwater, Tonka Bay, Vadnais Heights, Victoria, Waconia, Washington County, Watertown, Wayzata, West St. Paul, White Bear Lake, Woodbury, Worthington, Wyoming, Young America, Zimmerman.

Our insurance agents
- Chris Zwilling, insurance agent
- Charlene Harper, insurance agent
- Jim Harper, insurance agent and agency owner
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