La Crosse Area Independent Insurance Agency

For Medicare and ACA health insurance, no — insurance companies pay our fee, so you pay nothing for our guidance, comparison, or enrollment help. For property and casualty lines like home, auto, and business insurance, we're compensated by the carrier when you purchase a policy, but there's no separate fee charged to you.

It means we're not tied to any single insurance company. For every line we write — Medicare, home, auto, business, health, life — we compare options across multiple carriers and match coverage to your specific situation. A captive agent (State Farm, Allstate, etc.) can only offer one company's products. We're not that.

Yes, and many clients work with us across multiple lines. We handle Medicare for one household member, home and auto for the family, and group benefits for the business. One relationship, one local contact, everything coordinated.

We review existing coverage at no separate charge. Whether it's a Medicare plan that might not be covering your prescriptions well, a home policy that may be underinsured, or a business policy with gaps — we'll tell you what we see and let you decide what to do with it.

We're based in Onalaska and primarily serve the La Crosse area and western Wisconsin — La Crosse, Monroe, Vernon, Trempealeau, and surrounding counties. For many lines, we're also licensed to help clients across Wisconsin.