"I have been an agent within the life and health insurance industry in South Dakota for the last 16 years; several of those years, I have written business through the Clarambeau Agency.

I have found Harold and Lee Clarambeau to always be very helpful in any given business situation; they are very accessible and can offer proposal/product suggestions, underwriting advise and they are punctual in delivering policies. Their integrity and honesty in the insurance business is unequaled with any other associates that I have worked with. They offer many fun outings, prizes and great trips and are always very enthusiastic with any endeavor they pursue."

Esther Singleton
Rapid City, SD


"Security First Insurance is a division of Security First Banks with twelve branches in NE and SD.

We started working with Bankers Insurance Associates two years ago and we have seen a considerable increase in our life insurance sales.

Bankers Insurance Associates have provided our agents with personal training by Harold and Lee Clarambeau, help from their office staff in selecting the right product and company for the client, several unique ideas for generating leads and sharing incentive programs with us for our agents.

I would recommend Bankers Insurance Associates to anyone who wants a portfolio of competive companies and support from their marketing agency."

Bob Olsen
Executive Vice President
Security First Insurance
Sidney, NE


"I have used Harold's office now for 5 years. I get better service from their office and staff than any of my other brokers. I like being able to call and get my quotes within 30 minutes and having them know which company is best for the need I am trying to fulfill for my clients. I'm a P&C agent and don't have time to study each and every market. They make a great team mate in this grueling world of insurance product changes.

Steve Jobman
Bridgeport, NE


"I am writing this to thank you for sharing with me the Federal Life Assurance Co.'s Tele Life program. Since I have been using this version of the application, I have had great success in closing my life cases. The appplication shortens the sales interview and allowes me time to concentrate only on the sale. I then don't have to spend a great deal of time after the sale is made to complete a medical questionaire that may postpone the closing or take enough extra time that the applicant gets irritated with the whole process.

I have even closed sales over the phone and done the rest by mail and never actually visited the applicant until I delivered the policy. This saved me a lot of miles and windshield time!

The key to using the Tele Life application is to prepare the applicant for the telephone interview when they must answer the medical and financial questions. However, I have found that this is not a problem as the interviewers are very well trained and do a great job. Although I must admit that I was rather skeptical to start with.

Harold, I have found that by using the Tele Life application along with Federal Kemper's relaxed underwriting, I have not lost one case and have placed rated cases with Federal Kemper for less premium and lower table ratings than with other companies.

Thanks again, Harold, as you and your wonderfull wife, Lee along with Federal Kemper have helped me increase my closing ratio and increase my income."

Norman Lyon, L.U.T.C.F.
Rapid City, SD