Independent Annuity and Life Specialist
Case Design Partner
Clear, unhurried help with annuity and life insurance decisions, for Minnesota families and for the agents and advisers who serve them.
Start a conversationWho I help
Individuals and families
Whether you are protecting your family with life insurance or exploring an annuity, I explain how each option works, what it costs and what the trade-offs are, so you can decide with confidence. You will always see the numbers before you decide anything.
Independent agents and investment advisers
If your client needs an annuity or life insurance solution outside your usual work, I can design the case with you. I do the research, run the numbers and handle the paperwork. You stay in the relationship with your client.
What I do
- Compare life insurance and annuity options from multiple insurance companies
- Explain fixed and indexed annuities and life insurance in plain language
- Prepare side-by-side estimates so you can see the differences
- Work alongside your agent, adviser or CPA when you already have one
I work with fixed and indexed insurance products only. I do not sell variable products or securities.
How it works
- Conversation. We talk through your situation and goals. There is no cost or obligation.
- Estimate. I prepare options and explain each one, including costs, limits and risks.
- Decision. You take your time. If you move forward, I handle the application and follow up afterward.
About Mike Emo
I am a licensed life and health insurance agent in Minnesota. I spent more than 25 years as a software engineer and co-own a technology recruiting firm, so I am used to breaking complicated systems into simple parts. I bring the same approach to insurance.
Minnesota Insurance License #41051129