Nobody likes surprises

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We don’t just accept insurance company hype. We meticulously reverse engineer products so we understand what it is that you are proposing to your client.

It can seem overwhelming to filter through the array of products to find the one that meets you client’s needs. At American Financial we utilize every tool at our disposal during the 5-step case design process to help you determine the specific product solution - from high-tech calculators and actuarial spreadsheets, to our Midwest work ethic and decades of experience.

Our Design Process

We send each case through our 5-step case design process. In the end you will have multiple product options that are tooled to fit your client’s unique financial needs rather than a run-of-the-mill “spec” solution.

Our process includes these tools and more:

  • Client approved tools to help model the importance of lifetime income
  • Product analysis tool that can demonstrate the financial value that a product will deliver over the client’s lifetime*
  • Proprietary Target Allocation Model** to help financial professionals discuss potential crediting methods with their clients
  • A dedicated team that will research and deliver your requested case designs along with back office support for contracting, product training and case follow-ups
* American Financial is not affiliated with the third-party vendor that maintains this database, nor do we guarantee the accuracy or quality of their services.
**This allocation model does not guarantee a positive outcome and is no indication of future results.This allocation model is intended only as a general starting point for discussion between American Financial and a producer about assisting clients in making their index allocation choices. No one crediting method results in the most interest credited in all market scenarios.


Past, Present, Future

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Like the great American inventors of the past, we don't accept the status quo and we know you don’t either. American Financial began more than 20 years ago in the basement of a suburban home. Since then, we have helped financial professionals sell billions of dollars in fixed annuities, life insurance and long-term care insurance.

At American Financial, we endeavor to provide hard work and ingenuity plus proprietary analytics tools to identify potential solutions, all while helping you execute the plan with unparalleled back office support.

Fixed index annuities are designed to meet long-term needs for retirement income, and they provide guarantees against the loss of principal and credited interest, and offer the reassurance of a death benefit for your beneficiaries. Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.


Our American Financial team brings decades of experience to the drawing board. Our team has a diverse background of experiences and accomplishments. But one theme is consistent. Everyone at American Financial is dedicated to helping you meet the needs of your clients.

That dedication isn’t just limited to our sales team. In today’s compliance and suitability focused climate, it is important to not only have an experienced sales team but a business relationship that understands the demands of regulators and insurance companies. As a result, when you work with us you will receive the assistance needed to do business the right way and to help assure the future sustainability of your practice.

The Annuity Product Team

Developing retirement income planning strategies is a demanding, multi-faceted discipline – requiring knowledge in many areas to be thorough and effective. The income planning strategies chapter of a retirement plan is extremely important, and shouldn’t be left to novices. The good news is our Retirement Income Professionals are just a phone call away!

The Annuity Support Team

Our team of support personnel is deep and experienced. Again, like others at American Financial, these individuals come with experience and commitment that is uncommon to say the least… they are the heart and soul of the firm!

The Life and Long Term Care Insurance (LTCi) Team

This group works with a veritable arsenal of carriers. The Life Team specializes in fixed index universal life insurance as well as premium finance transactions. Our LTCi team members stand ready to help in placing any and all LTCi applications.

Compliance / Suitability Officer

Sr. VP, Advanced Markets


400 Hwy 169 South
Suite 200
St. Louis Park, MN 55426