Burstad Insurance

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        • When comparing insurance agencies,  The most important thing to consider is the staff that is going to take care of you.

          Our staff of local professionals that take pride in what they do. Whether it be providing advice, taking care of a claim, or servicing your account to accommodate your changing lifestyle.

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        • Burstad Insurance is an independent insurance agency. We represent dozens of top-rated companies, not just one such as Farmers, State Farm, or American Family.

          By representing multiple insurance companies, we can assure our customers the right fit, which includes the right coverage, excellent service, and a great value when it comes to price.

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  • Locations
        • Menomonie
        • 420 Main Street E
          Menomonie, WI 54751
          Phone: 715-235-6479
          Fax: 715-235-8860
          Email: info@burstadinsurance.com

           

        • Medford
        • 1154 W Broadway Ave
          Medford WI 54451
          Phone: 715-748-6262
          Fax: 715-748-4730
          Email: info@burstadinsurance.com

        • New Richmond
        • 1225 N Knowles Ave
          New Richmond, WI 54017
          Phone:  715-246-6988
          Fax: 715-246-6965
          Email: info@nr-ins.com

        • Chippewa Falls
        • 2396 Hallie Road Ste 5
          Chippewa Falls, WI 54729
          Phone: 715-723-0600
          Fax: 715-723-0900
          Email: info@burstadinsurance.com

        • River Falls
        • 215 North 2nd Street
          River Falls, WI 54022
          Phone: 715-425-1382
          Fax: 715-425-0363
          Email: info@burstadinsurance.com

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Life Insurance

Funeral and burial expenses are often only the beginning of financial burdens for loved ones who survive the passing of a spouse, parent, adult child, or even a business partner. Life insurance is designed to protect dependents and other survivors by meeting their needs long after you are gone. Some policies even offer living benefits that provide cash and investment growth options in addition to death benefits. At Burstad Insurance we help clients at all stages of life find affordable life insurance solutions that meet their short-term needs as well as their long-term goals. Whether you are growing your family, starting a business, or simply looking to leave a financial legacy after your death, we can help you find greater security for your family’s financial future.

Do You Need Life Insurance?

Life insurance is often purchased for the sake of financial dependents, including future dependents. This can include people who are in some way financially dependent upon you now, as well as those who may be affected financially after your death. You can use coverage to pay for final expenses, as well as pay off debts and replace lost income.

Though many people delay life insurance until they get married or start to have children, it could make sense to start shopping for coverage much sooner than that. Since premiums tend to be lower for applicants who are young and healthy, you could be gambling by postponing coverage until later in life. Not only might premiums be higher, but you may even become ineligible for coverage if you develop a disqualifying health condition.

Private vs. Employer-Provided Life Insurance Coverage

If you are already covered through an employer’s group life coverage, you may still need a private policy. Employer coverage, while beneficial, is often contingent upon your continued employment. Furthermore, the benefits are usually far too little to provide adequate compensation to survivors after a loss. If you change jobs, or if your beneficiaries are forced to file a claim, you risk having too little coverage (or no coverage) to meet your needs.

By purchasing a private life insurance policy from an independent agent at Burstad Insurance, you can determine the value of your benefits and the continuity of your coverage. Your policy can follow you anywhere you go and regardless of changes to your health, whether you change jobs, start your own business, decide to retire, or develop a risky health condition.

Types of Life Insurance Coverage

Our team can help you select between two primary types of life insurance: term and permanent. You may decide that one or both are right for you depending on your needs and goals for coverage.

Term Life Insurance

Term life insurance is a popular option for families looking to replace lost income and cover additional living expenses incurred after the loss of a financial provider or domestic caretaker. This coverage expires at the end of a selected term, which could be 10, 20, 30, or more years. Many families choose a term based on how long they expect to have financial dependents or how long they expect to work until retirement.

Although term life insurance is temporary and does not provide any cash value, the high benefits and low premiums are an attractive feature of these types of policies. Many families can obtain hundreds of thousands of dollars of coverage or more for a price that fits easily within the household budget. Even if a surviving spouse chooses to work, the insurance benefits can help pay off debts, pay for a child’s college education, and perhaps even fund a spouse’s retirement. It is a small priced to pay for peace of mind.

We may recommend term life insurance if you:

  • Desire affordable premiums
  • Require high death benefits
  • Have debts
  • Wish to leave a charitable legacy
  • Have a business partnership
  • Want to fund a survivor’s major expense, such as college or retirement

Permanent Life Insurance

Per the name, permanent life insurance policies are designed to cover the policy-holder for life. The coverage never expires so long as premiums are paid as agreed in terms of coverage. There are different types of permanent life insurance, each of which varies in the types of benefits it offers. These include:

Whole Life Insurance

Whole life insurance provides level premiums for life. These policies often accumulate cash value over time, allowing the policy-holder to ‘cash-in’ the policy for immediate financial benefits while still alive if so desired. Otherwise, the death benefit remains intact until the policy-holder is deceased. Policyholders who purchase coverage when they are young and healthy tend to enjoy low premiums for life. However, we here at Burstad Insurance can shop and compare life insurance costs and coverage solutions from multiple providers to find a whole life policy at competitive rates – even if you are have reached advanced age or in less than perfect health.

We may recommend whole life insurance if you:

  • Want a ‘set-it-and-forget-it’ policy
  • Want the option to cash-out your policy later in life
  • Desire level premiums

Universal Life Insurance

Universal life insurance is a more variable type of permanent life coverage. This type of policy allows for flexibility of premiums throughout different stages of life while still maintaining a permanent death benefit. It typically comes with an investment option, in which a portion of your premiums are invested for growth. This may result in an accumulation of cash value that can be used to offset future premiums should the need arise. Likewise, insurers may allow you to borrow against your universal life insurance policy or otherwise cash it in for its accumulated cash worth.

We may recommend universal life insurance if you:

  • Want flexible premiums
  • Desire permanent death benefits
  • Prefer an investment and growth option for your policy

Central and Western Wisconsin Life Insurance Quote

At Burstad Insurance, we offer multiple locations throughout Central and Western Wisconsin to serve your needs. If you need a new life insurance policy or wish to speak with an independent agent about your options, contact our office today. We look forward to serving you soon.

Get a Quote!
Refer a Friend!
Excellent
Burstad Insurance
Based on 61 reviews
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review us on
Jeremy B.
If I could give 0, I would
Eric C.
Do not do business here. We were mislead about the coverage provided to our business by Missy Kraemer. When this came to light, we went to change providers and find adequate coverage. Missy acted extremely unprofessional and refused to send us the documents we needed! She said it wasn't her job to help us. A terrible experience with a rude, unprofessional person. Do yourself a favor and find literally any other insurance provider.
Sam C.
After waiting a week for someone to get back to me about my request for quotes, they sent me an email saying “We can’t find you coverage because you have a pitbull mix dog. Sorry.” Which doesn’t make sense because somehow I currently have insurance and I’ve gotten 3 quotes on my own now that will all cover my dog. Complete waste of time.
Jr S.
Such nice people I love the insurance rates so amazing.
carrie M.
Thanks for your always friendly and fast service! I appreciate what you do!
Kathleen T.
Bursted has had my business for years. When I lived in town, I appreciated stopping in to get quotes so I could talk to the owner about business and community. The staff is helpful and friendly, and I appreciate how patient they are when answering my questions about insurance. Insurance is not my favorite adult chore to tackle, but everyone at Burstad makes me feel like I’m connected to a human that knows how to explain what will serve my needs. They’re also a brokerage and have the ability to check multiple providers at once for you! Yay!!!
Nick E.
Great customer service and caring staff.
Tammy T
We too had a horrible experience with Doug! Unfortunately we had to find out the hard way when we had a small fire/smoke damage in our office space. Not only were we under insured, we were overcharged on our commercial policy for years!!!!! He and the owner of this agency were absolutely zero help when it came to dealing with this claim, the tenants insurance company and the insurance adjuster that would never return our calls, it was a complete NIGHTMARE! We were all on our own and we feel that once this happened, they knew that our agent screwed up when it came to this policy that he put together or lack there of and thought if they would just ignore us we would walk away. Not only did we walk away, we ran!! Had 3 other agents review it and could not believe how much we were under insured and several gaps in the policy that were missing, like loss of income, loss assessment coverage, just to name a few, things that are no brainers when it comes to commercial insurance. The only good that came out of this entire experience is that we learned alot about insurance and now have a very competent agent that physically went to all our properties, took pictures and sat down with us, at our home and a 3 page checklist to see what we needed or didn't need for our insurance needs. He even pointed out that our agent had our rate almost 3 times higher than it should have been, meaning we were getting ripped off, big time!!! We would have filed a complaint with the insurance commissioner of WI but reviews said not to waste your time, they wont do anything. Now we have double the coverage for our properties for HALF of what we were spending with this agency. Oh and our home and auto policy was lacking as well but was also reviewed and now has the proper coverage for our needs. Our advice, go somewhere else for your insurance so this doesn't happen to you!! This agency doesn't even deserve 1 star!
Jeanne R.
I really appreciate their friendly, prompt and knowledgeable assistance. We have been with them for years, and are consistently happy with their service.
Sephonia T. C.
This insurance company allows its employees to be racist. Doug treated me as if someone had a gun to his head every time he dealt with me. During a conversation I overheard him call me the “N” word and say how he wish he didn’t have to deal with my kind. The new management didn’t care how I was being treated so I switched insurance agents all together. Furthermore, I have asked numerous times for them to STOP harassing me by sending me emails and mailings but they have refused. I unsubscribed 4 times from their emails but the emails keep coming 2 years later. I’ve made numerous phone calls asking them to remove me from their lists but that hasn’t happened yet either!!!. My next step is to file an official report of Harrassment with the state of Wisconsin. I wouldn’t use this company to insure bubblegum lil less a boat, car or your home. I’d give them a zero rating if I could. There’s no place for racism in this world.
Roxanne S.
Valorie provided excellent service and quickly found us the best insurance policy and rates available. Thank you, Burstad Insurance!
Mindy A.
Family and Burstad worked their magic and found insurance even cheaper than what I was paying. They are very responsive when adding or changing things to a policy and they stick up for their customers when a bank may try to manipulate the home insurance for no apparent reason. Well done Burstad. I highly recommend.
Jason W.
Good service they work at finding you the best insurance
Dale B.
Easy to work with
Carla O.
Good insurance company
Happy Home I.
Easy to work with and great rates. Sent a lot of friends here. All are happy with it!
Dave T.
Melissa and her staff have always treated me right! Often finding better rates for me! Thanks
Peter T.
Great place
Jeremy M.
Monte and his team are great to work with. They were extremely helpful in getting our business up off the ground and getting the needed items to be successful. I would highly recommend them for your business!
Denise V.
Great to work with!
Dawn B
Everyone here has been very helpful, knowledgeable and friendly! Whenever I contact them, they get back to me quickly and are sure to get me the best rates possible. Thank you! The Baldwins
Kelly S.
I'm giving them 3 stars only because I was insured by them for 11 years..I changed insurance providers when my daughter got her license. they automatically put her on my insurance policy as a first time driver weather she was now driving or not but just because she was a licensed driver in my household. $287.00 jump from the $64.00 what I was paying for myself was crazy. Yes I called them and tried to dispute this but they refused to remove my daughter and started taking payments out of my account... so I was done with them ,cancelled my insurance policy, and got a better insurance that same day for half the cost plus I now have better coverage.
Isaac F.
I visited this office for a quote. During a pandemic, no one was wearing a mask or distancing. For a company preaching safety and preparedness it seemed strange. I turned around and left when I overheard an employee, who I assumed was an office lead, espousing her religious beliefs were going to save her rather than science. Who works in insurance with an attitude like that?
Response from the owner:Isaac, I am so sorry about your experience in our office, although we do not require masks by our staff being that they are all at least 6ft. feet socially distanced, we will always respect the views of our walk in customers. I am sorry that you had a negative experience at our office, but we would love the opportunity to set up a meeting with one of our highly experienced agents. We would make sure that everyone would be masked so that you feel comfortable. Thank you for your feedback.
Drillbit S.
They just want your money, Our agent was quite condescending when he would talk with us we were a new business. Prices were OK, But our agent definitely thought he had a chip on his shoulder.
Joshua E.
Great response time, #1 in the area
Wedam Enterprises L.
Very responsive all around good business and friendly service. Highly recommend.
Lee B.
Excellent customer service
Kent Elkin goes above and beyond
Also the rest of the staff is very accommodating
Barbara B.
They are professional and responsive
Li K.
great place and nice service
S M.
Great place. Emily is very helpful as well as all the rest of the people I have encountered there.
Tamara K.
Didnt respond to my request for a quote.
Bill I.
Best prices. Best customer service!
Steven G.
Top notch service. Will recommend to all.
Ana B.
Yes! I want to tell you something. If you need a car insurance - this is the place where you will find the best offer.
Have done car insurance for two trucks. The price was so good, even less than I expected.
My agent was Angie. I want to say thank you for caring! She is the nicest and kindest person ever!
Definitely will return for the nest year insurance
Jason L.
Excellent rates and service. Friendly staff and helped in a timely manner
Alicia B.
Neil is awesome!
John A.
Very helpful agents and staff. They got me a great deal on homeowners and auto insurance.
Jody L.
I have had policies thru the Agents, at the Menomonie office.

Their prompt response, patience, amazing customer service and thoroughness, is the greatest I have ever had with an agency!
Valorie M.
Great staff!
Brian H.
I have been a customer for many years and love the personal customer service experience that they provide. I know that when I call, I will get a real live person! I also know that the person I am working with will have an understanding of my history and my policy. Highly recommend! Thanks and keep up the good work!
Joshua E.
I recently purchased a new vehicle and had Teresa add it to my policy. She told me she added it and i was all set to go. 3 weeks later i find out she did nothing and i had been driving my brand new vehicle around without any insurance coverage. She said on several different occasions that she would email me new quotes, but i never heard back.
marcy M.
Corey Burstsad Insurance is great!! Neil always goes out of way for his clients, very trustworthy and efficient.
Soleil R.
Very friendly and helpful. Got is a great deal and we were refered there by a good friend after not being able to find what we wanted elsewhere. They made the process very easy and didn't mind us popping by last minute to get the details figured out.
Response from the owner:Hello Soleil, thank you for your review! We strive to provide great service to our community.

Five Locations!

Menomonie
Chippewa Falls
Medford
River Falls
New Richmond

Our Hours

Monday - Thursday 8:00 - 5:00
Friday 8:00 - 4:00
Saturday & Sunday
By Appointment

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IIAW

Our Latest Post!

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Reviewing Your Homeowners Coverage Before the Stormy Season

Spring and summer storms can bring more than just wind and rain—they can also bring unexpected damage to your home and property. Whether you live in the Midwest, the Great Plains, or the Southwest, it’s a good idea to check your Homeowners Insurance before storm season begins. Many people don’t think about their policy until …Read More

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