Welcome to Badlands Life and Annuity
Secure Your Future, Protect What Matters Most
At Badlands Life and Annuity, we are committed to helping you protect your loved ones and secure your financial future.
With over 15 years of experience in the insurance industry, Joseph Hoerner is a dedicated life and annuity agent committed to helping clients achieve their financial goals. He specializes retirement planning, and works closely with clients to understand their unique needs and objectives. He is known for providing personalized service, and helping families secure families future with Mortgage Free Life product. This product helps families pay off mortgages in 5 to 7 years….
Joseph Hoerner, CEO
Explore Our Services
Protect what matters most with customized life insurance plans designed to safeguard your family’s financial future. Whether you need term, whole, or universal life coverage, our policies are tailored to meet your unique needs and give you the reassurance that your loved ones will be taken care of.
Turn your retirement savings into a steady stream of income with our annuity options. Our annuities are designed to help you secure financial independence and maintain your standard of living throughout retirement, no matter how long you live. With fixed, variable, and indexed annuities, we have a solution for every stage of life.
Life doesn’t always go according to plan, but with living benefits, you’re ready for whatever comes next. These benefits allow you to access a portion of your life insurance’s death benefit while you’re still alive in case of serious illness, injury, or critical life events. You deserve financial security today—without waiting for the future.
4 Easy Steps to Achieve Your Goals
At Badlands Life and Annuity, we make securing your financial future simple and straightforward. Follow these 4 easy steps to get started on the path to financial peace of mind:
01
Schedule a Consultation
Your journey begins with a conversation. Contact us to schedule a free consultation where we’ll listen to your needs, answer your questions, and discuss your long-term goals. Whether you’re interested in life insurance, living benefits, or annuities, we’re here to guide you through your options.
02
Identify Your Needs & Plan
Everyone’s situation is unique. Once we understand your goals, we’ll work with you to tailor a life insurance or annuity plan that fits your budget, family situation, and future aspirations. We’ll break down the options and help you choose the coverage that’s right for you.
03
Review & Finalize Your Coverage
We’ll go over all the details of your plan and ensure it provides the protection and financial security you need. Once everything looks great, we’ll finalize your policy and get you covered so you can move forward with confidence.
04
Ongoing Support & Adjustments
Life changes, and so do your needs. We are here for you. We will continue to provide support, review your coverage regularly, and make adjustments as necessary to keep you on track toward achieving your goals.
Take Their Words, Not Ours
Our Testimonials
What They Say
FAQ
Frequently Ask Questions
We offer several types of life insurance to meet your unique needs:
- Term Life Insurance: Provides coverage for a specific term, usually between 10-30 years.
Whole Life Insurance: Provides coverage for your entire life, with an added cash value component that grows over time.
Universal Life Insurance: Offers lifelong protection with flexible premiums and the potential for cash value growth.
Annuities are financial products designed to provide you with a steady income stream, often used for retirement. You make an initial payment (or series of payments) to the insurer, and in return, you receive regular income payments either for a set period of time or for the rest of your life, depending on the type of annuity you choose. We offer fixed, variable, and indexed annuities, each with different benefits to suit your retirement goals.
- Fixed Annuities: Provide guaranteed, predictable payments and are ideal for those seeking stability and security.
Variable Annuities: Offer investment options that allow your annuity value to grow based on market performance, but with higher potential risk and reward.
Yes! Our policies are designed with flexibility in mind. If your needs change over time—whether you’re adding to your family, approaching retirement, or facing a major life event—we can help adjust your coverage to ensure you remain fully protected.
Not all life insurance policies come with living benefits. However, we offer policies that include these benefits as an added feature. Be sure to speak with one of our agents to learn more about the options available to you.
Living benefits allow you to access part of your life insurance policy’s death benefit while you’re still alive. These benefits can be used if you suffer from a critical illness, chronic illness, or terminal illness. The goal is to provide you with financial assistance when you need it most, without waiting until the end of your life.
Choosing the right life insurance policy depends on factors like your age, health, financial goals, and the level of coverage you need. Our agents will work closely with you to assess your situation and recommend the best policy to fit your needs and budget.
You can easily apply for life insurance or an annuity by scheduling a free consultation with one of our agents. We’ll review your needs and guide you through the application process. Simply request a quote or contact us at +1 605-228-9004 or jphannuity@gmail.com to get started.
Annuity payments may be subject to tax, depending on the type of annuity and how it was funded. It's important to speak with a financial advisor to understand the tax implications of your specific annuity contract.
If you have more questions or need assistance with an existing policy, feel free to reach out to us directly! You can contact us via phone at +1 605-228-9004 or email us at jphannuity@gmail.com or fill out the Contact Us form on our website.
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Start your journey toward a more secure tomorrow by requesting a free quote or scheduling a consultation with one of our experts.
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