Life Insurance

Helping the Fergus Falls community stay protected

Life insurance helps protect what matters most, your loved ones and their financial future. JRL Agency is here to help you navigate your life insurance options.

Give us a call at 1-800-256-5307 to learn more!

We offer a variety of life insurance solutions designed to meet your unique needs, whether you're starting a family, growing a business, or planning for the future. Let’s explore how life insurance can help provide peace of mind and long-term financial protection.


NEW  Guaranteed Issue Whole Life Insurance for working individuals

  • Available for ages 18-70
  • Death Benefits of $10,000.00 to $80,000.00
  • No Exam or Lab Work required, it only takes 5 minutes to apply!

Apply for Life Insurance Today.


Why Life Insurance?

Mortgage Protection

Your home may be your largest investment. Life insurance can help your family cover mortgage debt so they can stay in the home you’ve worked hard for—even if you’re no longer there to provide for them.

Children and Dependents

Raising children involves long-term financial planning. Life insurance benefits can help support your kids with everyday expenses, education costs, and more—should the unexpected happen.

Future Income

If your income helps support a spouse, dependent, or aging parent, life insurance ensures that support doesn’t end when you’re gone. It’s a tool to help secure their financial future.

Business Planning

Life insurance can be a valuable tool for business owners. It can help with succession planning, cover key personnel, or be used as a benefit to attract and retain talent.

Types of Life Insurance

Term Life Insurance

  • Provides coverage for a set term (typically 10–30 years)
  • Generally the most affordable type of life insurance
  • Premiums remain level during the initial term
  • Ideal for young families or those needing high coverage for a specific time frame

Whole Life Insurance

  • Designed to provide lifetime coverage, up to age 121
  • Fixed premiums that never increase
  • Builds cash value over time
  • Offers guaranteed death benefit and savings accumulation

Universal Life Insurance

  • Flexible premiums and adjustable coverage amounts
  • Accumulates cash value based on interest rates
  • Can be tailored to meet long-term financial goals
  • Coverage continues as long as policy costs are covered