Bauman Financial & North Central Insurance Agency - Delano Office

 Evenings – By Appointment
 Building Doors - unlocked 8am – 6pm, call for after-hours visits
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 Handicap or limited mobility - Let me know so I can accommodate you!
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 Annuity Products

Commerce Home /

Nobody enjoys planning for the worst, but knowing what to do ahead of time can be an important step in being able to take control of a bad situation. Below is some great advice from the MN Commerce Department.
Give me a call today to review your home…….and all of your insurance needs!

In the aftermath of severe storms with hail and destructive winds, Minnesota Commerce Commissioner Mike Rothman urges Minnesotans who experience damage to their homes, businesses or vehicles to contact their insurance companies to start the claims process.

"Insurance is meant to be there at times like this when people are most vulnerable," said Rothman, who serves as the state's insurance regulator.

The Commerce Department website ( features a Disaster Information Center with guidance about how to plan ahead and what to do after a disaster strikes.

Rothman offers the following tips for Minnesotans affected by the storms:

Notify your insurance company or agent as soon as you can to start the claims process. If possible, have your policy information available when you call.

Make temporary inexpensive repairs to prevent further damage. For example, board up broken windows or throw a tarp over a leaky roof. Keep receipts for materials you buy, so you can be reimbursed. Do not make permanent repairs until your insurance company has inspected the damage.

Record the damage. Take photos or video if possible. Make a detailed list of all personal property destroyed, damaged or lost. Share this list with the insurance adjuster. Do not throw out any damaged items until the adjuster has inspected them.

If you need to relocate because of damage to your home, keep receipts for your temporary living expenses. Ask your insurance agent or company if your policy covers living expenses until repairs are made. Many homeowners policies provide for temporary lodging and meal expenses up to a certain percentage of the home's insured value.

Work with the insurance company adjuster. Your insurance company will send an adjuster to inspect the damage. The insurer pays the adjuster, so you should not be asked for any payment.

The adjuster will provide you with a proof-of-loss form. Use this form to file a claim with your insurance company as soon as possible. You will receive your claim payment after you and the insurer agree on the amount of the damages.

You have the right to choose which contractor will repair your home. Once your insurance claim is processed, get estimates from local contractors known to you or recommended by someone you trust. Avoid "storm chaser" contractors from out of town who go door to door. Ask contractors for references and proof of workers compensation insurance. Check their license status and any disciplinary actions at the Minnesota Department of Labor & Industry website.

Insist on detailed, written estimates for repairs. Avoid high-pressure sales tactics. Some scammers will try to trick you into signing a contract by saying it is an estimate. Your signature is not required to receive an estimate.

Prepare a written contract agreement with anyone you hire. It should specify the work to be done, the materials to be used and the price breakdown for both labor and materials. Do not pay the whole repair bill in advance. Pay in full only when the work is completed according to your agreement.

Your homeowners insurance will generally cover removal of a fallen tree only if it caused damage to your house or other insured structure. There may also be a coverage limit for the cost of removal.

Storm damage to your vehicle may be covered by your auto insurance. Whether your vehicle was damaged by hail or a fallen tree, your loss may be covered as long as you selected "Comprehensive" or "Other than Collision" in your auto policy. Check your "Minnesota Insurance Identification Card" or call your agent or insurance company.

Are you feeling cautiously optimistic about the near-term future of the economy? Well the economists at Nationwide can help you understand what is happening.

See the link to the article posted on my website.

Luke Bauman
(763) 972-6198
If something were to happen to you, I'd be one of the few DELIVERING a check to your loved ones. Get your ANONYMOUS Life Insurance quote in less than 60 seconds at today!

....getting ready for the next big move.......

Bauman Financial Group

If you have a minute to spare, please check out our website at

Some of the improvements are:

• Link to which is devoted to retirement planning. Check out thelibrary of short educational videos!

• Link to which has a library of videos and literature covering a broad array of topics like life insurance, disability coverage, long term care, and more.

• See the enhanced menu bar at the top for access to articles, information about Carriers offered through Bauman Financial and more.

• And don’t forget about the handy Term Life Quote tool. Just click on the Banner and get a REALISTIC term life insurance quote anonymously and in less than 60 seconds!

Bauman Financial is an independent broker of life, disability, long term care, annuities, and more. This means we have the freedom to match you with the right company to meet your needs so that you have a plan that will work under all circumstances.

Call today! Bauman Financial Group offers over 18 years of experience and long-standing relationships with some of the best nationally recognized financial companies and the most respected local legal and tax professionals.

Prince's sister says he had no known will

When Something Happens to you, WHAT's NEXT?

Today, I ask for a minute of your time to talk about something that is very important.

I’m not a lawyer and chances are neither are you. But, for those of us who are middle-aged or better, odds are we have been affected by the death of a loved one.

If you do not have a plan to direct your affairs when you leave this life, I have good news and bad news.
The good news is that if you do not have a plan, the State has one ready to go for you.

The bad news is that this process generally involves probate court. Probate court can be a long and drawn out affair. The recent death of Prince, who was a Minnesota resident, highlights the troubles that can happen if we don’t have our affairs in order.

There are two important aspects to a good estate plan:

• Legal documents – find a lawyer you trust and ask them about estate planning. There are two main documents that apply to most of us. They are Wills and Trusts. These documents exist to help the State and your survivors understand your desires when you cannot direct your affairs or speak for yourself because of death or being incapacitated.

• Financial Planning – this is an essential component of any estate plan. Will the funds that are needed at your death be available? Do your accounts and insurance policies have proper ownership and beneficiary designations?

Your legal and financial plans need to be in harmony with each other. They are in fact, two aspects of one plan.

Having been in the financial business for over 18 years, I have had to deal with my share of bad planning or no planning. Dealing with the emotional and spiritual aspects of the death of a loved one does not have to be made worse by leaving them a legal and financial mess to deal with as well.

If you don’t have a plan, or if you think your plan needs to be updated, call me today. I can help you understand what is involved in the process and if needed, connect you with trusted attorneys and accountants that I have been working with for years and have helped many of my clients.

Call today for your free consultation!

Truly Yours
Luke Bauman
(763) 972-6198 The wrangling over Prince's estate began formally Tuesday when one of his siblings filed an emergency motion to have a special administrator appointed to gather and protect his assets.

Prince's sister says he had no known will

Estate planning is for everyone. If you haven't thought about what will happen WHEN something happens to you, call me today! The wrangling over Prince's estate began formally Tuesday when one of his siblings filed an emergency motion to have a special administrator appointed to gather and protect his assets.

Dan Patch bridge over Minnesota River will be swinging again this spring

Here is a simple case study in economics; what does the Panama Canal have to do with a railroad bridge in Savage, MN? The Dan Patch Line bridge across the Minnesota River will swing shut to carry rail traffic this spring for the first time in nearly a decade, officials said last week, and it’s being set in motion by an unlikely source: the Panama Canal.

If something were to happen to you, I'd be one of the few DELIVERING a check to your loved ones. Get your ANONYMOUS Life Insurance quote at today!

Are Stocks 80% Overvalued? New Evidence Shocks Wall Street - The Sovereign Investor

Prophetic Economist Andrew Smithers warns, "80% of US Stocks are now overvalued." Billionaire Carl Icahn recently raised a red flag proclaiming the public is walking into a trap again like they did in 2007. Smithers backs up his prediction using a ratio which proves that the only time in history stocks were this risky was 1929 and 1999. Stocks fell by 89% and 50% respectively. Many of you have contacted us in the past and have been sitting on the fence trying to figure out what to do? As of this writing the Dow Jones Industrials are down 383.74 points and the day is still long thus not sure where it will finish up but that is the beauty of our plans. Our clients are 100% protected from market losses and in rising markets we get to grab part of the gains. In addition it is not about how much money you have in retirement unless you are in the market it means quite a bit, rather it is how much GUARANTEED INCOME YOU CAN RECEIVE FOR LIFE! Contact me today for your free consultation.

Bauman Financial Group

Buying Term Life Insurance November 28th, 2015
18 years as a life insurance agent has allowed me to see many developments. But, there is one thing that will always remain constant. If something happens to you, I will be one of the few people giving a check to your loved ones instead of asking for one.

Now, I can offer you a better buying experience too!

Term Life Insurance radio commercials are prolific these days. But, how many of them promise that you do not need to reveal any contact information of any kind until you are ready to buy?
Term Life Insurance has always been an inexpensive way to protect your loved ones from your untimely death and today it is more affordable than ever.

But, when it comes time to get serious about shopping around, how many times have you stopped because some search website asks for contact information before they let you in on these low prices? Furthermore, how accurate are these prices?
Now, you have the ability to “go shopping” in the privacy of your home or office without some website trying to leverage contact information from you.

I am very proud to introduce a new way to shop for affordable Term Life Insurance!
1. go to or click on the banner below.
2. Click on the “Get a Quote” banner”.
3. Just answer a few generic questions and adjust the green slide button to customize your death benefit and the number of years of protection you are considering.

After following these simple steps, you will be shown the top Term Life companies ranked by price…….all customized for you with NO CONTACT INFORMATION needed!

When you are ready to buy, simply click the “choose” button to start the handy pre-application process. At this point, you can continue on the website or you can always call me to confirm your results and work with me in person or my phone. I look forward to helping you get the protection you need.

Yours in Service,
Luke Bauman
763-972-6198 office
612-419-4161 cell Bauman Financial Group offers over 18 years of experience and long-standing relationships with some of the best nationally recognized financial companies and the most respected local legal and tax professionals.

QLACs Could Be the Next Big Thing With the possibility of a quarter-century or more of retirement, many Americans fear they may outlive their money. There’s a 43% chance that one.

The real story about retirement: Millions of baby boomers face financial crisis

Call me today to find out how you can get that check in the mail every month that used to be provided by pensions! Judy Davis works for a nonprofit organization helping homeless families overcome obstacles, find a place to live and bring stability to their children’s lives.

Bauman Financial Group

Bauman Financial is excited to introduce a powerful new tool to get Term Life Insurance Quotes
Go to and then click “Get a Quote” in the Term Life Quote Banner to get started.
• No contact info needed……REALLY!
• Quotes from TOP life insurance companies
• Less than 60 seconds
• Four Clicks to get a Quote
• Click the Slider Button no change your numbers
EASY! FREE! ANONYMOUS! Bauman Financial Group offers over 18 years of experience and long-standing relationships with some of the best nationally recognized financial companies and the most respected local legal and tax professionals.

Minnesota Department of Revenue stops accepting TurboTax returns Minnesota officials said late Thursday they would immediately stop accepting state income-tax returns filed through TurboTax, a popular tax preparation software, due to possible fraudulent activity

Economy in freefall? 1Q revision shows shrinkage of 2.9% The U.S. economy shrank at 2.9 percent annual rate in in the first quarter, a far more alarming downward pace than announced in two previous government estimates, according to the Commerce Department.

The Fastest Way to Lose an IRA

Hello Everyone, Please share this with your loved ones. With proper planning, very costly mistakes can be avoided. Whose Money Is It

Tempted to withdraw from your 401k plan?

If you are considering making a withdrawal from your 401k plan, you might want to think again. Doing so could take a significant bite out of your retirement ...

Sheryl Moore on the current succes of indexed insurance products

Many of us are looking for more security in our finances, but don't want to settle for the rates you are offered at a bank. Here is a story from an industry group I to which I belong. Despite a historically low interest rate environment and other challenging market conditions, indexed annuities recently reached record sales. In the interview below, indexed insurance product expert Sheryl Moore explains why, and exactly what it means to the insurance industry.

Bauman Financial Group :: Home A retirement planning education covering Annuities, 401(k)s, Individual Retirement Accounts (IRAs), Roth IRAs and Social Security with calculators to show the importance of saving early and often. Luke Bauman Bauman Financial Group Delano MN

Bauman Financial Group :: Home

Are you looking for conservative alternatives for some of your retirement savings?

Our mission is to help you realize your ideal retirement, free of worry and stress. Let us help you put your retirement money to work harder and smarter without exposure to risks.

Bauman Financial group has launched a 2nd website that is devoted to providing UNBIASED information to help you achieve your retirement planning goals. Please visit or visit for more information to learn about all of the ways Bauman Financial Group can help you. A retirement planning education covering Annuities, 401(k)s, Individual Retirement Accounts (IRAs), Roth IRAs and Social Security with calculators to show the importance of saving early and often. Luke Bauman Bauman Financial Group Delano MN

Delano 4th of July

We are just one week away from the greatest four day independence celebration in Minnesota! Did you know we have 2 opportunities to enjoy unlimited carnival rides! Just purchase a wristband for $25 dollars on Wednesday night from 5 to 10pm, Or, immediately after the parade on Thursday the 4th until 5pm. Remember, our Fireworks show is on Saturday the 6th along with K102 prize giveaways prior to Rocket Club taking the stage. See you next week!

Delano Athletics Baseball

NSL All-Star roster versus the St. Paul Saints has been announced! Joey & Jeff Althoff, Kevin Jaunich and Andy Brown will represent Delano in the exhibition game versus the Saints.

Graham Brown, Maple Lake
Luke Fobbe, Maple Lake
Matt Bergstrom, Maple Lake
Jeremy Schmidt, Maple Lake
Kent Koch, Loretto
Tyler Maher, Loretto
Brandon Scanlon, Loretto
Adam McGrane, Loretto
Ben Smith, Maple Plain
Adam Gregg, Maple Plain
KC Johnson, Maple Plain
Jordan Danielson, Dassel-Cokato
Tyler Zwibohmer, Dassel-Cokato
Mike Freske, Saint Michael
Bobby Kneefe, Saint Michael
Jason Lesser, Rockford
Eric Pokornowski, Cokato
Isaac Nelson, Cokato
Kyle Messner, Hutchinson
Tim Thode, Hutchinson
Justin Juergenson, Hutchinson
Jeff Jarvis, Albertville

Bauman Financial & North Central Insurance Agency - Delano Office

What is Bauman Financial all about? Take a look at my updated page for more detail about how I can help you.

Are your finances working in concert… for when life-changing events happen to you?

You can plan and work towards decided goals or you can merely react to life’s curve balls and hope for the best...

The time to take a look at your financial picture is ahead of life’s major events. Planning for what will come in our lives is something everyone can, and should, do.

Working with a team of trusted legal and tax experts, Bauman Financial can build a clear picture of your current situation. From there we will identify opportunities and risks so that you have an individualized plan that works under all circumstances.

Bauman Financial Group

I have been getting questions regarding maternity coverage availability. Medica Symphony and Medica Symphony DOES offer maternity coverage. Go to and click the link for more details.

Bauman Financial Group

Are you wondering about your next financial step? Go to and check out the flyer for the seminar on Nov. 17th.

[10/03/11]   ....first time Sailing.....AWESOME!

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127 Bridge Ave East, Suite 215
Delano, MN

Opening Hours

Monday 09:00 - 19:00
Tuesday 08:30 - 17:00
Wednesday 08:30 - 17:00
Thursday 08:30 - 17:00
Friday 08:30 - 17:00
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