Since 2011, Erik and Juliann Dybvik have proudly called Highland Woods home. What began as

building a house soon grew into building lifelong friendships with neighbors and weaving

themselves into the fabric of the community they love. That same spirit of connection defines

how they approach their work as insurance brokers—putting relationships first and treating

every client like family.

With 30 years of combined experience, Erik and Juliann specialize in income protection, asset

protection, legacy planning, and healthcare planning, with a particular focus on Medicare and

under-65 health insurance. Their mission is simple: to help people feel confident about the

future by guiding them through complex insurance decisions with clarity and care.

The Dybviks’ commitment to service extends well beyond their business. Between 2018 and

2020, they organized a golf outing for Country Trails Elementary School that raised more than

$30,000—funding a brand-new playground for students to enjoy for years to come. Their

dedication to giving back is one more way they invest in the community they call home.

In 2015, Erik officially joined Juliann in the business as her client base continued to grow. Since

then, the two have partnered in hosting educational seminars throughout the area, providing a

welcoming space where people can find trustworthy answers to their insurance questions.

They’ve also expanded their reach through a monthly radio program on WRMN AM1410 in

Elgin. Airing the first Tuesday of every month from 9–10 AM, the show is dedicated to all things

Medicare—delivered in the same approachable, neighborly style their clients have come to

appreciate.

For Juliann, helping others has always been more than a profession—it’s a calling. “I’ve always

had a desire to meet people and help them,” she reflects. That desire grew into a career when

she realized the profound role insurance plays in protecting families and businesses from life’s

unexpected challenges. By asking thoughtful questions, staying on top of industry changes, and

tailoring solutions to each client, Juliann—and now Erik alongside her—have earned a

reputation for reliability and genuine care.

Both remain committed to continuous training and certifications, ensuring that their advice is

always accurate, current, and in their clients’ best interests.

As Medicare’s Annual Enrollment Period (October 15–December 7) and the under-65 Annual

Enrollment Period (November 1–January 15) approach, the Dybviks remind neighbors and

clients alike of the value of working with brokers who represent multiple companies—and, more

importantly, who listen closely to clients’ needs.

Though the insurance industry is always evolving, with new requirements and training each

year, the Dybviks’ business stands as a testament to their dedication and perseverance. For Erik

and Juliann, the reward is not just in the work itself, but in the peace of mind they bring to the

families they serve—friends, neighbors, and community members alike.

For more information, visit DDGInsurance.com or call 888-786-6906, or email

info@ddginsurance.com. You can also follow them on Facebook at Dybvik, Dybvik & Gilley.