Insurance & Financial Solutions

"We make insurance simple. Your answers are waiting"

About Us

At Insurance & Financial Solutions, we help individuals, families, and business owners make confident decisions about their health, financial security, and retirement.
For more than 30 years, we’ve provided personalized guidance built on trust, education, and service. As an independent insurance agency and annuity broker, we work with multiple highly rated companies—allowing us to compare options and recommend solutions based on your needs, goals, and budget.

Our Core Specialties
• Health Insurance
• Long-Term Care Insurance
• Life Insurance
• Annuities

Why Clients Choose Us
• Over 30 years of experience
• Independent guidance focused on your best interests
• Access to multiple insurance carriers and annuity providers
• Personalized recommendations—not one-size-fits-all solutions
• Clear, educational, and pressure-free advice

Whether you’re selecting health coverage, protecting your family, planning for future care needs, or preparing for retirement, we’re here to help you navigate your options with confidence.

Our mission is simple: helping you protect what matters most and plan for a more secure future.

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 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.

On 1/10/2025 Susan Budlong had this to say:
Rennae made selecting a new insurance plan incredibly easy. She is absolutely professional and was thorough in explaining the many options. I was in good hands and left her office satisfied that I now have an agent for my future

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 does it cost to work with you?

In many cases, there is no direct cost for our consultation services. We help you review options, compare plans, and make informed decisions at no additional charge.

How do I get started?

Simply contact us to schedule a consultation. We’ll review your needs, answer your questions, and walk you through your options.

Do you work with individuals, families, and businesses?

Yes. We provide insurance and retirement planning solutions for individuals, families, retirees, and business owners.

Do you help with Medicare and Under 65 health insurance?

Yes. We assist with both Under 65 health coverage and Medicare-related plans, including Medicare Supplement and Cost Plans.

Can you help me choose the right health insurance plan?

Yes. We review your needs, budget, and preferences, then help you compare available options to find coverage that fits.

When should I consider long-term care planning?

The best time to plan is before care is needed. Planning early may provide more options and help protect your assets and independence.

What types of life insurance do you offer?

We offer Term Life, Whole Life, Universal Life, and Life & Long-Term Care Hybrid policies.

How do you help with annuities?

As an independent annuity broker, we compare options from multiple highly rated companies to help identify solutions that align with your retirement goals.

Why work with an independent agency?

We are not tied to a single insurance company. We compare options from multiple carriers to help you find solutions that fit your needs.

How experienced are you?

We bring over 30 years of experience helping individuals, families, and business owners navigate insurance and retirement planning decisions.

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