The right choice, every time.
Klug Insurance Agency LLC - Trusted Insurance Agency Serving Merrill & Central Wisconsin Since 2013
Affordable estate planning, retirement planning, and health insurance for both Merrill, Wisconsin and Central Wisconsin, families. Protect your income, avoid probate, and secure your long-term assets.
Discover modern digital trust planning solutions designed to help you protect what you have built, without unnecessary complexity or unpredictable legal fees.
Book Your Private Complimentary Consultation Today
Simplifying Digital Estate Planning for Merrill Families
Take control of your legacy, protect your loved ones, and avoid probate with a simple, fully digital process.
At Klug Insurance Agency LLC, we help Merrill families simplify estate planning and retirement planning through our modern, fully digital trust platform. Our process guides you from education to structured intake and connects you with licensed attorneys for final document preparation, allowing you to protect your legacy, your loved ones, and your assets efficiently, affordably, and with confidence.
Why Mary
Local Access with Modern Digital Trust Planning
Mary Klug combines local insight with modern digital trust solutions, helping families take control of their legacy with clarity and confidence.
Her approach gives clients:
- Client-controlled trust structures
- Flat-fee trust planning
- Integrated powers of attorney & advance directives
- Attorney review & oversight
- Ongoing access for updates & adjustments
Unlike traditional attorneys who often charge $300–$500 per hour, the digital estate planning platform Mary works with offers predictable pricing and long-term flexibility. Serving as your local guide, she coordinates intake, organizes assets, and ensures your trust is funded correctly while keeping you informed every step of the way.
You can count on Mary for:
- Clear, simple explanations
- Personalized planning
- Modern, digital-first trust solutions
- Transparent pricing
- Access to vetted legal support
- Holistic protection across multiple financial needs
- Guidance for all life stages
- Flexible scheduling
Our Services
Mary Klug and Klug Insurance Agency LLC provide comprehensive solutions for your estate, retirement, and protection needs:
Estate & Legacy Planning
Protect your family and assets efficiently with modern trust solutions.
- Digital Trust Planning: Create, fund, and maintain a trust online with attorney oversight
- Probate Avoidance: Reduce court involvement and protect assets for your heirs
- Asset Transfer & Legacy Planning: Ensure your assets pass efficiently to loved ones
- Family Protection: Safeguard children and other loved ones
- Trust Funding Support: Guidance through trust funding and documentation
Retirement Income & Asset Protection
Build reliable retirement income and safeguard your wealth.
- Retirement Planning: Build predictable income streams to secure your future
- Asset Protection: Safeguard wealth from unexpected risks
- Income Planning: Plan distributions and cash flow for retirement
- Distribution Strategies: Optimize the timing and method of withdrawals
- Annuities: Structured solutions for long-term income security
- Charitable Planning: Leave a meaningful legacy with tax-efficient strategies
Protection Planning
Comprehensive life, long-term care, and health coverage to protect your loved ones.
Health Coverage
- Medicare Advantage and Supplements: Tailored options for seniors
- Under 65 Health Insurance & Marketplace Plans: Coverage for individuals and families
- Prescription Drug Plans: Ensure access to essential medications
- Indemnity Plans: Broad flexibility and choice in healthcare coverage
Life & Long-Term Care Insurance
- Final Expense Insurance: Cover end-of-life costs without burdening your family
- Whole / Permanent Life Insurance: Lifelong coverage and wealth transfer options
- Term Life Insurance: Affordable, temporary coverage for key life stages
- Short-Term Care Insurance: Flexible care coverage for short-term needs
- Long-Term Care Insurance: Protection for extended care and support
How To Get Started
Client-first and results-driven
Our structured five-step estate planning and digital trust process ensures clarity, efficiency, and full compliance. This includes:
Initial presentation and intake form
Short, easy-to-understand educational video
Compare digital vs. traditional trusts
Assistance in funding and organizing assets for the trust
Attorney-guided finalization and notarization
Frequently Asked Questions
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What is probate and why do people seek probate avoidance solutions?
Probate is the court-supervised process for distributing assets after death. It can involve court filings, deadlines, and administrative oversight. The Wisconsin Court System explains the probate process here:
https://www.wicourts.gov/services/public/selfhelp/probate.htm
What is digital trust planning?
Digital trust planning is a structured trust creation process using a secure online platform supported by licensed attorneys. Clients complete guided intake online, and licensed attorneys finalize documents for a modern, fully digital process.
When should I start retirement planning?
Most professionals recommend serious retirement income planning by age 55. The earlier distribution strategies are structured, the more flexibility you typically maintain.
How much does estate planning cost compared to probate?
Probate expenses vary, but structured estate planning can often cost significantly less than court administration and long-term attorney oversight.
What Our Clients Say
See what clients are saying about their experience with estate planning, retirement strategies, and protection planning.
Take Control of Your Estate, Retirement, and Protection Plan Today.
Schedule your estate planning consultation or call to reserve your private appointment.