"High achievement always takes place in the framework of high expectation."
Charles Kettering

Mark N. Berg, CLU, RHU (Owner)
mnberg@hlthandlife.com

Mark began his career in 1975, earning his Chartered Life Underwriter (CLU) degree and his Registered Health Underwriter (RHU) early in his business life.  Mark is Past State President of the National Association of Insurance and Financial Advisors of MN (NAIFA-MN) and continues to be active in their legislative activities.  Mark is also member of the Professional Resource Group, a compilation of select independent agents who work towards the prosperity & integrity of the insurance profession.

Kevin Urlaub, LUTCF (Principal)
kurlaub@hlthandlife.com
Kevin has been in the insurance business since 1982.  He has worked with individuals and businesses to assist with their insurance needs.  Kevin has worked with small to mid-size companies and assists them with both their employee benefits as well as  business owner planning needs.  Kevin joined Health & Life Brokerage Services Inc. in 1994.  He has been a member of the National Association of Insurance & Financial Advisors since 1987.  He was the President of his North Metro Association of NAIFA in 1995 & 1996.  Kevin holds the Life Underwriter Training Council Fellowship designation.  He is also a member of the Twin West Chamber of Commerce.

Maria C. Baker, CBCTM  (Principal)
mbaker@hlthandlife.com  612-616-1505 Mobile

Maria obtained her insurance license in 1994.  She has held Account Executive and Sales positions for various independent agencies.  In 2003, she joined Health & Life Brokerage Services, Inc. as a self-employed independent agent.  Maria holds a Chartered Benefit ConsultantTM designation and specializes in Consumer Driven health programs.  Business & Community involvement includes:  Minnesota Association of Health Underwriters (Board member 2003-2005), National Association of Health Underwriters, Twin West Chamber of Commerce, National Association of Women Business Owners, Center for Training & Careers (Executive Board Member since 2000).