Protecting families. Building financial security.
Life insurance strategies that preserve your legacy.
Blackshore Financial helps individuals and families across the US protect what matters most.
Same-day approvals on many simplified and no-exam policies · Hours: 8 AM – 9 PM, Mon–Sun · Serving Famalies Nationwide
Protecting families.
Building financial security.
Life insurance strategies that preserve your legacy.
Blackshore Financial helps individuals and families across the US protect what matters most.
Life insurance & protection
Coverage designed around your family, not a policy template.
Whether you are planning for final expenses, protecting a mortgage, or building long-term wealth with IUL and annuities, Blackshore Financial builds a personalized strategy aligned to your life, your risk tolerance, and your timeline.
Services at a glance
Annuities · Indexed Universal Life (IUL) · General Whole Life · Mortgage Protection · Final Expense · Term Life
Final Expense
Simplified issue coverage dedicated to burial and end-of-life expenses — even if you have health concerns or have been declined before.
Best for: Protecting loved ones from unexpected final costs.
Term Life
Affordable coverage for a set period to protect income, debts, and major obligations like a mortgage while your family needs it most.
Best for: Families, homeowners, and income protection.
Whole Life
Long-term protection with guaranteed cash value growth — a stable foundation for legacy and estate planning.
Best for: Lifelong coverage and structured wealth transfer.
Indexed Universal Life (IUL)
Flexible life insurance that combines a death benefit with cash value growth linked to market indexes like the S&P 500 — with built-in protection from direct market losses.
Best for: Long-term wealth strategy, tax-advantaged growth, and legacy building.
Annuities
Turn savings into predictable income you cannot outlive. Coordinate annuities with life insurance for a complete retirement strategy.
Best for: Retirement income stability and downside protection.
Mortgage Protection
Customized term and permanent solutions to keep your home in the family, no matter what happens.
Best for: Homeowners and growing families.
Why clients choose Blackshore
Personalizing your strategy, investment, and legacy plan.
Blackshore Financial is built for families who want a serious, sophisticated plan — without confusing jargon or sales pressure. From first conversation to policy review years down the road, we stay by your side.
- Years of hands-on experience in life insurance and financial planning.
- Retirement, investment, and legacy strategies integrated into one roadmap.
- Clear, transparent explanations so you always understand your coverage.
- Ongoing policy reviews to adjust as your life, income, and goals evolve.
- Virtual consultations available across Minnesota and West Virginia.
Retirement strategies
Align life insurance, IUL, and annuities to build sustainable, tax-efficient retirement income.
Investment strategies
Use modern life insurance tools like IUL to grow cash value while managing downside risk.
Legacy planning
Shape the impact your wealth has on children and grandchildren with intentional policy design.
How it works
From first conversation to covered — often in a single day.
Your time is valuable. Our process is built to be thorough, not overwhelming — and to move as quickly as you are comfortable.
1. Discovery
In a free 20–30 minute consultation, we learn about your family, obligations, and goals — from final expenses to retirement and legacy.
2. Strategy & options
We map out coverage amounts, policy types, and carriers — showing you clear side-by-side options and pricing tailored to your budget.
3. Application & approval
We complete the application together. Many policies are simplified issue or no-exam, allowing for instant or same-day decisions and coverage.
Already have coverage? We also provide policy reviews and guidance if you want to upgrade, reduce costs, or better align your policies with your goals.
Why clients choose Blackshore
Personalizing your strategy, investment, and legacy plan.
Blackshore Financial is built for families who want a serious, sophisticated plan — without confusing jargon or sales pressure. From first conversation to policy review years down the road, we stay by your side.
- Years of hands-on experience in life insurance and financial planning.
- Retirement, investment, and legacy strategies integrated into one roadmap.
- Clear, transparent explanations so you always understand your coverage.
- Ongoing policy reviews to adjust as your life, income, and goals evolve.
- Virtual consultations available across Minnesota and West Virginia.
Retirement strategies
Align life insurance, IUL, and annuities to build sustainable, tax-efficient retirement income.
Investment strategies
Use modern life insurance tools like IUL to grow cash value while managing downside risk.
Legacy planning
Shape the impact your wealth has on children and grandchildren with intentional policy design.
Founder-led guidance
Meet Nick Cherry, Founder & CEO of Blackshore Financial.
Nick built Blackshore Financial with a simple conviction: families deserve the same level of care and sophistication that large institutions receive — without feeling rushed, sold to, or left in the dark.
Today, Nick and a team of experienced brokers help clients protect income, homes, and futures — building strategies meant to last generations, not just get a policy issued.
“Whether you are looking to protect your legacy, create a retirement plan, or grow an investment portfolio — we have you covered.”
FAQ
Answers to common questions about Blackshore Financial.
If you do not see your question here, bring it to your free consultation — we will walk you through everything step by step.
What types of life insurance do you offer?
We offer final expense, term life, Indexed Universal Life (IUL), annuities, mortgage protection, and general whole life policies. Because we are a brokerage, we tailor coverage to your needs and health situation rather than pushing a single company’s products.
Can I get coverage if I have health issues?
Yes. We work with carriers that specialize in clients with health concerns, and many offer simplified issue or no-exam policies. During your consultation we will ask a few health questions and match you with the most appropriate options.
How do I know how much coverage I need?
We analyze your income, debts, family expenses, and long-term goals to recommend an appropriate coverage range. We will also show you how different amounts affect price so you can make a clear, confident decision.
Can I replace my current policy for a more competitive rate?
Often, yes. We can review your existing policies to identify gaps, opportunities to upgrade, or ways to reduce cost. If it makes sense to stay where you are, we will tell you that as well.
How quickly can I get coverage?
Many of our partner carriers offer simplified issue or no-exam policies with instant or same-day approvals, depending on your health and the coverage selected.
Do you serve clients outside your city?
Yes. We serve clients throughout Minnesota and West Virginia and conduct meetings virtually or by phone for your convenience.
Are your policies affordable?
We work with a wide range of carriers and coverage amounts, allowing us to design plans that fit most budgets. During your consultation, we will be transparent about costs, trade-offs, and ways to stay within a comfortable monthly amount.
How do I get started?
Simply book a free consultation through this page. We will review your needs, discuss options, and help you move forward at your own pace — all with no obligation.
Book your consultation
One meeting. Clarity on your family’s protection and financial future.
Use the form to request a free consultation with Blackshore Financial. All meetings are scheduled online or by phone — no travel, no pressure, just clear guidance.
- Free, no-obligation consultation.
- Available 8 AM – 9 PM, seven days a week.
- Virtual or phone appointments across Minnesota & West Virginia.
- Best for individuals, couples, and families planning ahead.
Request your time
Tell us a bit about your goals and preferred time window. Our team will confirm your appointment and share meeting details.
Availability: 8 AM – 9 PM, Monday through Sunday.
Blackshore Financial
Protecting Your Future, Securing Your Peace of Mind. Financial Security Made Simple.
Independent life insurance brokerage specializing in annuities, IUL, whole life, mortgage protection, final expense, and term life solutions.
Insurance Options
Final Expense
Term Life
Whole Life
Indexed Universal Life
Annuities
Mortgage Protection
Consultations available virtually and by phone.
Business hours
8:00 AM – 9:00 PM
Monday – Sunday
© Blackshore Financial. All rights reserved. Information on this site is for educational purposes only and is not a guarantee of coverage. All policies are subject to underwriting approval by the issuing carrier.