Insurance & Wealth Protection

Thoughtful insurance planning that supports your financial plan,

your family, and your peace of mind.

Planning for tomorrow begins with thoughtful conversations today

A practical approach to life insurance planning

Protecting what you are building matters just as much as growing it. Insurance and income protection are not about preparing for worst case scenarios. They are about making sure that one unexpected event does not undo years of careful planning. At Falstad & Associates, we help individuals and families across Bloomington, Normal, and Central Illinois understand where coverage fits into a well built financial plan and where gaps may exist.

Insurance decisions often feel confusing or uncomfortable, which is why many people delay them. Our role is to bring clarity, context, and restraint. We focus on helping you understand what coverage makes sense for your life today and how it supports your long term goals.

Honoring what matters most to you

Understanding how much coverage is appropriate and for how long.

Life insurance plays a foundational role for families, professionals, and business owners who want to ensure that loved ones are financially supported if the unexpected occurs. The right coverage can help replace income, pay off debt, fund education goals, and allow your family to maintain stability during a difficult time.

We begin with a thoughtful review of your financial picture. This includes income, savings, existing insurance, and long term responsibilities. From there, we help determine whether term life insurance or a combination of strategies is appropriate based on your stage of life and priorities. The goal is not maximum coverage. The goal is appropriate coverage that fits your plan and your budget.

For many clients, term life insurance provides straightforward protection during working years when financial responsibilities are highest. We help you understand coverage length, benefit amounts, and how policies integrate with the rest of your financial strategy.