Independent Insurance You Can Understand and Trust.
Licensed, local, and focused on your needs. Let’s find the right plan for you.
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How It Works
Tell Us About You
Answer a few quick questions about your needs, lifestyle, and what kind of coverage you’re looking for. No jargon, no pressure—just simple information to get started.
Get Personalized Options
Based on your answers, we’ll match you with insurance plans that actually fit—whether it’s life, health, dental, or disability coverage. You’ll see clear comparisons so you can make an informed choice.
Get Covered Confidently
Once you’re ready, we’ll guide you through the enrollment process and stay by your side long-term—with support for claims, policy reviews, and any questions along the way.
Insurance We Offer
Explore a full range of coverage options designed to fit your life, your budget, and your peace of mind. Whether you’re protecting your health, income, or family—our plans are built around you.
Life Insurance
Protect your loved ones’ future with flexible life insurance options like term, whole, or universal life—tailored to your goals.
Health Insurance
Find the right plan for you or your family, including ACA-compliant options and short-term health coverage.
Group Benefits
Offering group benefits is more than a perk. It’s a smart investment in your team’s health, well-being, and long-term loyalty. We provide customizable group insurance plans designed to meet the needs of businesses of all sizes.
Dental & Vision
Keep your smile bright and your vision clear with affordable dental and vision plans for individuals and families.
Disability
Stay financially secure with short- or long-term disability insurance that protects your income if you can’t work.
Final Expense
Ease the financial burden on your family with simple, affordable coverage for end-of-life expenses.
Why People Trust T3 Insurance
We don’t just sell policies—we build relationships based on honesty, clarity, and real support. Here’s what makes us different.
Independent & Unbiased
We partner with top-rated insurance providers but never push one over another. Your best interest always comes first.
Education First
We break things down in plain language so you feel confident in every decision, without pressure or confusion.
Real Human Support
You’ll speak directly with Kyle or our trusted team—not a scripted call center. We're here when you need us.
Here for the Long Haul
From policy reviews to claims help, we’re with you beyond the purchase—because life keeps changing, and we’re ready when it does.
Hi, I’m Kyle. Let’s Keep Insurance Simple.
I’ve helped over 1,000 individuals and families get the right insurance coverage—policies they not only understand, but actually feel confident about. With 10+ years of experience and licenses in Minnesota, Wisconsin, and 20 other states, I know how to simplify the process and deliver real value. Whether you’re looking for better coverage, lower costs, or just someone who actually listens, I’m here to help you make smarter insurance decisions—without the pressure.
10+ Years Experience
Local & Licensed
1000+ Clients Served
Personalized Support
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What Our Clients Say
Real stories from people we’ve helped—shared with trust and gratitude.
Frequently Asked Questions
Get quick answers to the most common questions our clients ask—no jargon, just clarity.
What’s the difference between term and whole life insurance?
Term lasts for a set period, while whole life covers you for life and builds cash value. Some even include Living Benefit Riders
Do I qualify for ACA subsidies?
If your income meets certain limits, you may qualify for reduced monthly premiums.
Can I cover my employees too?
Yes! We offer group plans for businesses with 2–500 employees.
How long does it take to get covered?
Most applications are processed within a few days—some even same-day.