Insurance & Financial Solutions

"Insurance doesn't have to be complicated. Choices Made Easy."

About Us

At Insurance & Financial Solutions, we help individuals, families, and business owners make confident decisions about health coverage, financial security, and retirement planning. With more than 30 years of experience, we provide personalized, trusted guidance as an independent insurance agency and annuity broker, giving you access to multiple highly rated providers and the flexibility to choose what fits your needs and budget. Our core specialties include health insurance, long-term care, life insurance, and annuities, all delivered with a client-first approach. We focus on clear, educational, and pressure-free advice, ensuring you understand your options every step of the way. Whether you’re protecting your family, planning for future care, or preparing for retirement, our mission is simple: to protect what matters most and help you build a more secure, confident future.

Our Story

Who We Are:

At Insurance & Financial Solutions, we believe insurance and financial planning should feel simple, clear, and empowering. For more than 30 years, we’ve helped individuals, families, and business owners protect what matters most and plan confidently for the future.

As an independent insurance agency and annuity broker, we work with multiple highly rated carriers and providers to help you find solutions that fit your needs, goals, and budget.

Our specialties include Health Insurance Under 65, Healthcare.gov plans, Medicare Advantage and Supplements, Life Insurance, Long-Term Care Insurance, Group Health Insurance, and Annuities & Retirement Planning. We also offer Term, Whole, Universal, and Life/LTC Hybrid policies, along with Fixed and Indexed Annuity options.

Why Choose Us:

With more than 30 years of experience and access to a wide network of trusted insurance carriers and annuity providers, we can offer personalized options without a one-size-fits-all approach.

We take the time to understand your needs, explain your options clearly, and help you make informed decisions with confidence. Whether you’re choosing coverage, protecting your family, planning for long-term care, or preparing for retirement, we’re here to provide honest guidance and ongoing support as your needs change.

With Insurance & Financial Solutions, you get an experienced partner committed to making your future simpler, stronger, and more secure.

Areas Served

Our Professional Associations

Britt Chamber of Commerce Former Board Member and President
National Association of Insurance & Financial Advisors

Our Certifications

Life Underwriter Training Council Fellow (LUTCF)

What We Offer

Our Specialties include:

At Insurance & Financial Solutions, we specialize in helping individuals and families protect what matters most. Our expertise spans Health Insurance, Long-Term Care Insurance, Life Insurance, and Annuities—each thoughtfully tailored to support your unique needs and goals. Whether you're planning for unexpected medical expenses, securing lifelong coverage, preparing for future care, or building a reliable retirement income, we’re here to guide you with clarity and compassion. Our personalized approach ensures that every solution we offer is not only comprehensive but also aligned with your values and vision for the future.

Our Services include:

Life Insurance Solutions: Whether you're planning for the future or protecting loved ones today, our life insurance options are designed to meet your needs at every stage of life. We offer Term Life Insurance for affordable, temporary coverage, Whole Life Insurance for lifelong protection with cash value, and Universal Life Insurance for flexible premiums and benefits. For those seeking a blend of coverage and long-term care, our Life/LTC Hybrid Insurance provides a smart, dual-purpose solution.
Group Health Insurance: For businesses and organizations, we provide Group Health Insurance solutions that support employee wellness and retention. Our plans are tailored to meet the needs of your team while staying within your budget.
Health Insurance Under 65: Navigating health coverage before Medicare eligibility can be complex, but we make it simple. We assist with Under 65 Health Insurance options, including plans available through https://www.healthcare.gov, ensuring you find coverage that fits your budget and healthcare needs.
Medicare Solutions: Turning 65 or already enrolled in Medicare? We offer expert guidance on Medicare Advantage Plans, Medicare Supplement Plans, Medigap Plans, and Medicare Cost Plans. Our goal is to help you understand your choices and select the plan that best supports your health and financial well-being.
Retirement Income & Annuities: Secure your retirement with confidence through our range of annuity products. Whether you're looking for guaranteed income with Fixed Annuities, market-linked growth potential with Indexed Annuities, or a customized strategy with a traditional Annuity, we’ll help you build a plan that fits your lifestyle and goals.
Long-Term Care Planning: Preparing for the possibility of long-term care is a vital part of financial wellness. We offer both Traditional Long Term Care Insurance and innovative Life/LTC Hybrid Insurance options to help you safeguard your future and maintain independence, without burdening your family.

Our Products include:

Life Insurance
Long-Term Care Planning
Retirement Income & Annuities
Health Insurance Under 65
Medicare Solutions
Group Health Insurance

Testimonials

On 7/21/2026 Jodi Anderson had this to say:
She was very helpful and spend time with me today. Was not in a hurry. Answered all my questions and explained everything very well. Very good person to deal with. Testimonial written by Jodi Anderson on this site.

On 2/12/2026 Kathy Mathahs had this to say:
Rennea is very professional in her presentation. Clarifying coverages and making sure I understood the policy.

On 12/14/2025 Laila Redenius had this to say:
Rennae has been amazing and very easy to work with! She has helped through every step of the process! Testimonial written by Laila Redenius on this site.

On 7/11/2025 Anonymous had this to say:
Excellent communication, very friendly and tremendously helpful. I would recommend her to anyone. Testimonial submitted anonymously directly to this site.

On 3/10/2025 Dale H had this to say:
I continue to come back to Renee for my insurance needs because of her insurance knowledge base, and providing detailed information that I need in order to make well informed decisions. Besides her being professional, I continue to find her to be thorough and follow through with what she says she will do. This has become rare to find these days. Thank you for the service you provide.

Contact Us

Insurance & Financial Solutions
485 7th St SW Britt, IA 50423
Phone: (641) 843-4605
Mobile: (641) 860-1955
Email: answerswaiting@gmail.com

Intersection of 5th Ave SW and 7th Ave SW

Where To Find Us

Our Hours

Monday: 8:30 AM - 5:00 PM
Tuesday: 8:30 AM - 5:00 PM
Wednesday: 8:30 AM - 5:00 PM
Thursday: 8:30 AM - 5:00 PM
Friday: 8:30 AM - 3:00 PM

News

Feeling overwhelmed by health insurance options? You're not alone—and you don't have to figure it out on your own. At Insurance & Financial Solutions, we offer free consultations to help you understand your choices and find coverage that fits your life. Whether you're under 65 and exploring marketplace plans, transitioning off Medicaid, or navigating Medicare for the first time, we're here to guide you every step of the way.

Call Rennae Padderud today and let clarity replace confusion.

Info

Health Insurance Info

FAQ

What makes Insurance & Financial Solutions different from other insurance agencies?

At Insurance & Financial Solutions, we believe insurance should be simple, understandable, and personalized. As an independent insurance agency and annuity broker, we are not limited to one provider. Instead, we compare options from multiple trusted carriers to help you find solutions that align with your needs, goals, and budget. Our focus is on education, transparency, and providing guidance you can feel confident about.

What types of insurance and financial solutions do you offer?

We provide a wide range of solutions designed to protect you through every stage of life. Our services include Health Insurance, Life Insurance, Medicare Advantage and Supplement plans, Long-Term Care Insurance, Group Health Insurance, and Annuities & Retirement Planning. We also offer customized strategies to help individuals, families, and businesses prepare for a more secure future.

Do you help individuals find health insurance if they are under 65?

Yes. We help individuals explore Health Insurance options for those under age 65, including plans available through Healthcare.gov. Our team will help you understand your choices, compare available options, and select coverage that fits your healthcare needs and financial goals.

How can you help with Medicare planning?

Navigating Medicare can feel overwhelming, but we’re here to make the process easier. We provide guidance on Medicare Advantage and Medicare Supplement plans, helping you understand your options and choose coverage that best supports your healthcare needs and lifestyle.

What are annuities, and how can they help with retirement planning?

Annuities are financial products designed to help create reliable income for retirement. We offer Fixed, Indexed, and customized annuity solutions to help individuals plan for long-term financial stability. Our team will explain your options clearly and help determine whether an annuity fits your retirement goals.

Do you offer insurance solutions for businesses?

Yes. We help businesses create cost-effective Group Health Insurance plans that support employee wellness while meeting company needs. We work with business owners to develop coverage options that provide value for both employers and their teams.

Why should I work with an independent insurance agency?

Working with an independent agency gives you access to more choices. Instead of being limited to one company’s products, we can compare multiple carriers and solutions to find options that best match your situation. Our goal is to provide honest recommendations, simplify complex decisions, and help you protect what matters most.

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