Benefits & Insurance

Simplified.

Whether you are shopping for group benefits, individual insurance or Medicare decisions,
trust us to make the process simple.

We know you hate the complications of selecting insurance. Whether you are shopping for individual coverage or are selecting a group policy for over 500 employees - it can be frustrating.

Our main mission is to make the insurance process simple for you. We believe in building strong relationships with our clients so we can deliver high-quality, cost-effective insurance products and solutions.

We aren't focused on finding the cheapest insurance - we focus on finding insurance with the best VALUE for you.

Founded over 35 years ago, we represent over 50 insurance producers in North Dakota, Minnesota and South Dakota.

Our home office is located in beautiful West Fargo, ND.

Businesses

If you own your business or work in human resources, you know how complicated group plans can be. Mistakes are costly in the insurance business. We work as Certified Health Consultants to shop the market and help you weigh decisions for your company. Find ways to reign in costs without increasing deductibles or cost sharing.

Individuals

Finding insurance can be unsettling when you don’t know where to look. We look at every option for you and your family. Whether you are shopping for individual coverage, supplemental insurance or need help with Medicare, you can trust us to make the process simple for you.

Insurance Professionals

We offer complete back-office support, giving you access to all markets and carriers, delivering signature ready proposals to you. Consolidated has the ability to do commission splits and audits. We take care of the paperwork, so you can make sales and meet with clients. Trust us to take care of you and have your back.

682

Lines of Coverage

7,500+

Covered Lives

$51M

in Annual Premium

Leadership & Office Support

Ray Sanders

Ray Sanders

CHC (Certified Health Consultant)

Judy Graff

Judy Graff

Sr. Account Manager

Deb Grenz

Deb Grenz

Administrative Assistant

We have a network of over 50 licensed insurance professionals serving North Dakota, Minnesota and South Dakota ready to assist you with individual, Medicare and group benefits.

We work as Certified Health Consultants to shop the market and help you weigh decisions for your company. Find ways to reduce costs without increasing deductibles or cost sharing. Long term strategy is the key to reducing overall cost with employee benefits.

We offer multiple plan choices from a variety of carriers allowing us to design the best possible benefit package for employers.

As insurance brokers, we are able to customize a plan for your company's needs because we work for YOU, not a specific insurance company.

How to get started.

1
Get in Touch
with Us
2
Share Your Needs
& Budget
3
Let Us Take Care
of the Rest
Reduce Cost on your Health Insurance

Consolidated Benefits & Insurance Services finds solutions to reduce cost, while keeping the best coverage possible. We simplify the process by helping you select an excellent plan that fits YOUR needs. How do we deliver on this promise? Building strategies to reduce costs over the long term, rather than focusing on quick fixes.

The process of working with us is

Simple.

We do the legwork to negotiate plans, find optimal rates and find the best discounts.
As insurance brokers, we are able to customize a plan to your needs because we work for YOU, not for any specific insurance company.