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More Than An Agent — An Advocate

Your Guide to
The Right Coverage

We're an independent Minnesota insurance agency. We work for you — not the insurance companies — with no-cost guidance for every stage of life.

Insurance Shouldn't Be Confusing

We know you have questions. What's the difference between Medicare Advantage and a Supplement? Do I really need life insurance? How much coverage is enough?

That's why we're here. We educate and guide you through your options so you can make confident decisions. No pressure, no jargon.

Trusted by families across Minnesota

Your Advocate

Not just an agent

Education First

Understand your options

Local Service

Your Minnesota neighbors

Complete Coverage

All your needs in one place

Coverage Options

Protection for Every Stage of Life

Comprehensive insurance solutions tailored to protect you and your loved ones.

Individual & Family Health Plans

Individual & Family Health Plans

ACA-compliant health insurance for under-65 Minnesotans, including MNsure plans. MNsure-certified brokers with competitive rates and extensive provider networks.

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Medicare Plans

Medicare Plans

Navigate Medicare with confidence. We specialize in Medicare Advantage, Supplement plans, and Part D prescription coverage to ensure you get the best care.

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Dental & Vision Plans

Dental & Vision Plans

Protect your smile and vision with comprehensive dental and vision coverage. Individual and family plans available with preventive care focus.

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Financial Protection

Financial Protection

Safeguard your family's financial future with life insurance, disability coverage, and annuities. We help you protect what matters most.

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Estate Planning Organization

Estate Planning Organization

We help you organize your estate with a no-cost estate summary showing values and insights. Then we coordinate with your attorney or connect you with attorneys in your area to create estate planning documents.

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Need Help Choosing?

Our expert agents are here to guide you through your options.

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Why Individuals & Families Choose Us

We're more than just insurance agents — we're advocates who help you navigate the complex insurance landscape.

Your Advocate

Not just an agent — we fight for your best interests

Deep Expertise

Knowledgeable professionals who help you navigate complex decisions

Personal Service

We take time to understand your needs

Always Here

Ongoing support for claims and questions

Your Partner in Protection

At McDonald Financial and Insurance Services, we build lasting relationships with individuals and families across Minnesota. Our commitment to personalized service means you'll always work with someone who knows your name and understands your needs.

Local & Personal

We're your neighbors in Central Minnesota, not a call center.

Comprehensive Coverage

From Medicare to estate planning, all under one roof.

We're Your Advocate

We work for you, not insurance companies.

Meet Our Expert Team

Our licensed insurance professionals are dedicated to finding the perfect solutions for your unique needs.

Get Your No Cost Quote

Fill out the form below and one of our specialists will get back to you within 24 hours.

By submitting this form, you agree to be contacted by McDonald Financial and Insurance Services regarding your inquiry. We respect your privacy and will never share your information.