Insurance & Financial Solutions

"We make insurance simple. Your answers are waiting"

About Us

At Insurance & Financial Solutions, our mission is simple: to help people feel confident about their future. We understand that life is full of uncertainties, and navigating the world of insurance and financial planning can feel overwhelming. That’s why we’ve built our practice around four core specialties—Health Insurance, Long-Term Care Insurance, Life Insurance, and Annuities—each designed to provide peace of mind and lasting security.

We believe that health is the foundation of a good life, and having the right coverage matters. Whether you're under 65 and exploring marketplace options or transitioning into Medicare, we take the time to understand your needs and guide you toward a plan that fits your lifestyle and budget. Our health insurance solutions are never one-size-fits-all—they’re personalized, practical, and built to support your well-being.
As families grow and responsibilities shift, planning for the future becomes more important than ever. Our Life Insurance offerings—ranging from term and whole life to universal and hybrid policies—are crafted to protect what matters most. We help you choose coverage that not only safeguards your loved ones but also aligns with your long-term financial goals.

When it comes to aging with dignity, Long-Term Care Insurance plays a vital role. We offer both traditional and hybrid options to ensure you’re prepared for the unexpected, without placing a financial burden on your family. It’s about preserving independence and making sure you have choices when it matters most.

And for those planning ahead for retirement, our Annuity solutions provide a reliable stream of income and financial stability. Whether you’re interested in fixed, indexed, or traditional annuities, we’ll help you build a strategy that supports your vision for the future—so you can enjoy life with confidence and clarity.

At the heart of everything we do is a commitment to education, transparency, and genuine care. We don’t just sell policies—we build relationships. Our team is here to listen, guide, and empower you to make informed decisions that support your health, your family, and your financial 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.
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.
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.
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.
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.

Our Products include:

Life Insurance
Long-Term Care Planning
Retirement Income & Annuities
Health Insurance Under 65
Medicare Solutions
Group Health Insurance

Testimonials

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

On 12/16/2024 Tatum Tanner had this to say:
Wonderful to work with! - Very knowledgeable and patient with all of my questions. Testimonial written by Tatum Tanner on this site.

On 11/19/2024 Kay Kern had this to say:
Rennae is very good at helping you get what you need when you are looking for a Medicare supplement. She is very organized, friendly, and cares about the client as if they were her own friends and family. Don't hesitate to set up an appointment with Rennae. She will do her best to help you out.

Contact Us

Insurance & Financial Solutions
485 7th St SW Britt, IA 50423
Phone: (641) 843-4605
Email: answerswaiting@gmail.com

Intersection of 5th Ave SW and 7th Ave SW

Where To Find Us

Our Hours

Holiday Hours May Vary. Please Call For Details.

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.

Thank you to all my loyal clients for a wonderful 2023 year. We couldn't have done it without you, and look forward to continuing to serve you in 2024.

Info

Health Insurance Info

FAQ

What is long-term care insurance and do you offer it?

Long-term care insurance helps cover services like nursing home care or in-home assistance. We offer both traditional long-term care and life/LTC hybrid insurance options.

Is there a cost to review my insurance options?

No, there is absolutely no cost or obligation when you contact us to review your options.

Can you help with health insurance for individuals under 65?

Absolutely. We assist with under-65 health insurance options, including guidance on plans available through HealthCare.gov.

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