As your life changes, so will your life insurance policy needs. When choosing products and obtaining your life insurance quote make sure your long-term need will be met.

Life insurance quotes and rates include fees and charges based on your individual characteristics, such as gender, health and age. Additional charges apply for riders who customize a life insurance policy.

Good for life
Obviously you want your loved ones to be prepared for their financial obligations in the event something happens to you. Life insurance provides income-tax free death benefits and, in certain cases, investment opportunities as well. In fact, a life insurance policy from Twin Cities Insurance Group can serve as a solid foundation for your other insurance and investment decisions.

Twin Cities Insurance Group uses a well-established insurance company that has been providing professional, personal service for more than 75 years and consistently receives high marks from A.M. Best, an independent firm that evaluates insurance companies. You can be confident that we have the financial strength and stability you and your family need.

Providing for you
You can trust your TC Insurance Group agent to serve you with honesty and integrity, helping you choose the correct insurance for your life and needs. And to help you take advantage of your policy's full potential, we'll make sure you understand all the benefits your life insurance provides.

Life insurance can be used for:

• Final expenses
• Paying off debt / mortgage
• Making mortgage or rent payments
• Providing an income to your heirs
• Transferring an inheritance to your heirs
• Paying estate / inheritance taxes and costs
• Business continuation

If applicable, the cash value can be accessed through partial surrenders and/or loans to meet immediate or future income needs including:

• Supplemental college funding
• Supplemental income
• Rewards for key employee

Outstanding loans or partial surrenders will reduce any death benefit payable. Also, if the contract were to lapse with a loan outstanding, the loan amount would be treated as a distribution and may be subject to income tax. Surrender charges may apply to partial surrenders.

A policy that fits
Term life insurance and permanent life insurance are the two primary types of life insurance. Term life offers financial protection for a specific time period. Permanent life can be very flexible, offering numerous living benefits and investment options.

With so many options, we'll help you choose the policy that's right for you and your life.

Term Life Insurance - Should the unexpected happen, your family could continue to live comfortably with the death benefit provided by term life insurance. Term life insurance helps ensure your family's financial well being.

Term life insurance offers financial protection for a specific time period. While they don't build cash value, some policies can later be converted to permanent life insurance.

What's unique about term life insurance?

• Term life insurance is for a specific, but temporary, duration
• Simple "no frills" life insurance policies
• Term life insurance rates are affordable

• Maximum protection for a low premium
• Level premiums for specified periods of time
• May be convertible to permanent life insurance if your needs change

Permanent Life Insurance
There are a variety of permanent life insurance options, such as whole life and universal life, to match your needs. Along with a guaranteed death benefit, these policies may offer the opportunity to take withdrawals and loans, and can give you substantial tax benefits.

• Potential for cash value to grow tax deferred
• Tax deferral and compounding interest promotes quicker accumulation
• Loan provisions

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Whole life insurance features: Your whole life insurance policy allows you to take loans or partial surrenders, assuming the policy stays in force. A whole life insurance policy isn't a modified endowment contract and the policy qualifies as life insurance under Internal Revenue Code Section 7702.

Outstanding loans and partial surrenders reduce payable death benefits. Loans or partial surrenders may result in the need to add additional whole life insurance quote premiums to the policy to avoid a lapse.

If the policy lapses, all loans and partial surrenders in excess of basis will be subject to ordinary income tax.

• Premiums stay the same over the entire life of the policy
• Guaranteed cash value accumulation
• Potential for excess interest credits in some policies

Universal Life Insurance - With universal life insurance, you can provide a permanent death benefit to those who depend on you. It provides a conservative policy with fixed interest rates and guarantees that your life insurance coverage will be around as long as you will be, as long as premiums are paid.

What's unique about universal life insurance?
Universal lets you access your policy's cash value to help meet financial obligations, assuming the policy remains in force, it isn't a modified endowment contract and the policy qualifies as life insurance under Internal Revenue Code, Section 7702. Outstanding loans and partial surrenders will reduce death benefits and may result in additional premiums to avoid a lapse. If the policy lapses, loans and partial surrenders in excess of basis will be subject to ordinary income tax.

In addition to your universal policy, optional riders (like a long-term care rider) can be added for an additional charge to your policy to help meet your ever-changing needs. And it is one way to help you leave a legacy for those most important to you.

• Premium payment flexibility
• Cash value grows at an interest rate set quarterly by the issuing company
• Flexible premium payment and death benefits based upon your policy's minimums and maximums

Variable Universal Life Insurance - Variable universal life insurance helps you protect what's most important to you with convenient flexibility.

Keep in mind, however, that investing involves market risk, including possible loss of principal. As your personal situations change (i.e. marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure these strategies and products are suitable for your long-term life insurance needs. You should weigh your objectives, time horizon and risk tolerance as well as any associated costs before investing.

Also, be aware that market volatility can lead to the possibility of the need for additional premium in your policy. Variable life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

What's unique about variable universal life features:

• Offers several investment options so you control how your cash value is invested in your variable universal life insurance policy
• Offers flexible features and additional benefits for an additional charge, so you can tailor the variable universal life insurance policy to match your needs

What will you need?

• Final Expenses - According to the National Funeral Directors Association, the average cost of a funeral, as of July 2004, is $6,500 excluding cemetery costs.

• Emergency Fund - Experts suggest 3 to 6 months income to meet unexpected expenses such as a new roof, auto repairs or tax obligations.

• Personal Debts - To remove or reduce the financial burden of survivors, it's important to pay off any personal debts you may have.

• Mortgage or Rent Payment - Remember that survivors will need to pay off all or part of your outstanding mortgage balance or make future rent payments.

• Education Expense - The average cost of education keeps rising. For 2004 - 2OO5, four-year private university costs averaged $20,082 annually, while four-year public university costs averaged $5,132 annually (www.collegeboard.com).

• Income Replacement - Multiply the percentage of your income you want replaced for survivors by the number of years the income would need to continue. (For two-income households, consider how much of each partner's income would need to be replaced for how long.)