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    VitalShield Insurance Services

    5.0 (1 review)

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    4 months ago

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    RiverSource Life Insurance Company

    RiverSource Life Insurance Company

    (51 reviews)

    Downtown Minneapolis

    This was sold to us by our financial advisor. It is an incredible rip off and cost us a lot of…read moremoney before we figured out it was a waste. All total between myself, my husband and son it was a loss of thousands and thousands of hard earned dollars. Do your homework and choose a different platform.

    I have been managing my 93-year-old father's long-term care policy with RiverSource for over five…read moreyears, and the experience has been nothing short of frustrating and exhausting. My father has faithfully paid into this policy for over 30 years, and yet every single month I am forced to battle an inefficient and seemingly purposeful reimbursement process just to receive the money he is rightfully owed. Despite numerous documented complaints and specific recommendations for process improvement over the years, absolutely nothing has changed. RiverSource continues to rely on phone calls, voicemails, and physical mail to communicate, which creates unnecessary delays at every turn. It feels less like a customer service process and more like a deliberate strategy to hold onto money as long as possible before paying out legitimate claims. What is most disheartening is that the people navigating this process on behalf of elderly policyholders are family members and caregivers who are already managing enormous responsibilities. The last thing we need is an insurance company that prioritizes checking administrative boxes over actually resolving issues in a timely and compassionate manner. My father is 93 years old. He has paid into this policy faithfully for decades. He and his family deserve better than this. If I could switch providers, I would do so without hesitation. Unfortunately, given his age and the policy he has held for so long, that is simply not a realistic option. RiverSource should be ashamed of the way they treat elderly policyholders and their families. No one who has paid faithfully into a long-term care policy for thirty-plus years should have to fight this hard every single month just to be reimbursed what they are owed. Do better.

    Options Insurance

    Options Insurance

    (19 reviews)

    Downtown Minneapolis

    My wife and I moved to the Twin Cities two years ago from the San Francisco Bay Area and sought…read morehelp understanding the insurance landscape in MN, and specifically to find the best value in home, auto, and umbrella coverage. While it didn't have the absolute most reviews of any insurance broker, the reviews Options Insurance does have--across Yelp, Google, and Reddit--indicate a strong reputation for customer satisfaction. And that's been our experience since working with our agent, Tippy Sourignavong. From the jump, Tippy demonstrated deep knowledge of insurance products (including terms and conditions that I found confusing), patience (in explaining the differences between policies), and responsiveness (often getting back to me within minutes for any question I had). She found us the best deal among insurers to cover our home, car (and later an additional car), and umbrella insurance from AAA; better than I could have found on my own. Before renewing this year, Tippy reached out, letting me know that she cross shopped my existing coverage across all the insurers and found us a better deal, saving us hundreds this year. She also flagged that insurers by and large were moving away from replacement cost value (RCV) to actual cost value (ACV) for roof replacements, which isn't as good, but out of her hands. I still appreciated the call out and it's exactly the type of proactive streamlined information I need to understand my choices and make a decision. I highly recommend Options Insurance and Tippy in particular as a starting (and ending point) for all your personal insurance needs.

    I've been incredibly happy working with Options Insurance over the years. They've assisted with all…read moreof our insurance needs for our family across products and they've always provided a top notch level of insurance. Their email response time is second to none, which matters to me. I always get an answer right away. Tom and Keri always exceed my high expectations. There was a specific time when I needed a policy in place by a certain date and Tom literally worked around the clock (I'm not kidding, late into the evenings and into the weekend) to make sure it happened. I never see service like this anymore. I will never leave these guys.

    VitalShield Insurance Services - healthinsurance - Updated September 2026

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