Financial Confidence for Every Stage of Life

Person adding a coin to a jar of coins, with stacks of coins next to the jar on a wooden table.
Hands putting coins into a white piggy bank.
Marsha Haberman Agency, Nodak Insurance Company

Planning for the future can feel uncertain, especially when you want to protect your income, your family, or your long-term goals. At Marsha Haberman Agency, Nodak Insurance Company, we guide individuals and families across North Dakota, through life insurance and financial planning in a clear and supportive way. If you want help preparing for the future, call 701-642-9251 to connect with a team that puts your needs first.

Life Insurance Options That Support Your Loved Ones

Life insurance plays a key role in protecting your family from financial stress during difficult moments. Our agency helps you select the plan that fits your current stage of life and long-term goals.

Flexible Life and Annuity Solutions

We offer life insurance options for families, young adults, and retirees.

  • Policies that support income replacement
  • Protection for final expenses
  • Plans that build savings over time
  • Options based on age, health, and goals

Why Life Insurance Matters

Life insurance offers support when it is needed most.

  • Helps cover living expenses for your family
  • Supports mortgage payments and debts
  • Protects long-term financial stability
  • Brings peace of mind when your family needs support the most
People reviewing documents around a table with a laptop, calculator, and coffee cup.
Two people reviewing financial charts and documents at a table.

Financial Planning Support for Long-Term Stability

Financial planning helps you prepare for future goals with clarity. We work with a registered representative who assists with certain financial products while we remain your main point of contact. This creates a smooth and supportive planning experience.

Safe and Simple Financial Options

We help guide you toward plans that support your financial growth at a pace that feels right.

  • Retirement planning support
  • Education savings strategies
  • Estate and legacy planning
  • Clear guidance for mutual funds and other products

How We Simplify the Planning Process

Many people avoid financial planning because they expect it to feel stressful. We make the process simple by focusing on clarity.

  • Clear conversations about your goals
  • Straightforward explanations
  • Support choosing timelines and contribution levels
  • Regular reviews to adjust your plan as life changes

Why Clients Trust Us With Their Life and Financial Planning

Clients rely on us because we listen closely and explain everything in a way that feels comfortable. Our agency combines years of experience with a caring, personal approach. Here is what sets us apart:

Clear explanations that simplify complex topics

Plans designed for long-term stability

Local support from a team you can reach easily

Guidance for both simple and advanced needs

Access to a registered representative for specialized products

Over 60 years of combined experience

Honest recommendations based on your goals

Older couple reviewing documents with a younger advisor at a table, likely discussing finances.

Helpful Questions About Life Insurance and Financial Planning

Below are common questions people ask when planning their future.

  • What type of life insurance do I need?

    The right plan depends on your age, income, family needs, and financial goals. Some people want simple protection for final expenses, while others want a policy that builds savings over time. We compare options with you and explain how each one works so you can pick a plan that supports your long-term needs.

  • Is life insurance expensive?

    Many plans are more affordable than expected. Costs vary based on coverage, age, and health.

  • Do I need financial planning if I already have savings?

    Yes. A structured financial plan helps organize your savings and gives each dollar a clear purpose. It reduces risk, prevents gaps, and prepares you for long-term goals like retirement or education funding. Planning also helps you adjust as life changes so your money continues to work for you.

  • Can I change my plan over time?

    Yes. Life insurance and financial plans should evolve with your life. You may need more coverage when you buy a home, start a family, or change careers. We review your goals regularly and help update your policy so it stays aligned with your needs.

  • Do you help with retirement planning?

    Yes. We offer retirement strategies and connect you with a registered representative when needed.

Call 701-642-9251 to plan your financial future.