Family Planning

Family Life

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Discover ways to protect your family in the event of an untimely passing. After sitting down and completing a free life needs analysis with an agent, you’ll feel confident about your plan. We find solutions for all budgets – you’re wallet will thank you!

Mortgage Protection

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If your mortgage isn’t protected right now, it’s time to reevaluate your life needs. When tragedy strikes, your house is typically the first thing to go. What if you could provide a fully paid for home to your family? Mortgage protection makes this possible.

Student Loan Protection

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Fortunately, if a student were to pass away, most student loans would be immediately forgiven. However, private student loans do not have that luxury. This presents a huge risk to parents (and grandparents) that may have co-signed on a loan. The last thing you need during a tragedy is a debt collector wanting payments. Student Loan Protection is a life insurance strategy used to protect co-signers.

Retirement

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Most financial advisors & retirement planners focus on one area of retirement. That being accumulation. Unfortunately, many planners forget to stress the importance of having adequate retirement income – more importantly using a portion of your retirement assets to provide a guaranteed lifetime income stream. While we do offer excellent strategies for asset accumulation, our main focus is helping future retirees create a reliable lifetime income source using income annuities. We’ll even compare several carrier offerings so you know you’re getting the most competitive monthly income benefit.

Final Expense

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Final Expense policies are meant for individuals looking for a simple solution that will pay for funeral services, final medical debt, and taxes. This helps people take the burden off of their spouse and/or children. Many insurance professionals fail to fully explain how final expense policies work. This has caused Final Expense insurance to have the lowest retention rate of all insurance products within the industry. At Twin Cities Mutual, we’ll take the time to show you the true value of what a Final Expense policy can provide to you and you’re relatives.

Estate Planning & Wealth Transfering

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Estate attorneys will often recommend using life insurance as a way to transfer wealth to heirs without the fear of creditors collecting assets upon death. In some cases, life insurance is used as an estate tax savings tool for high net worth individuals, as to avoid the huge estate tax rates. Only experienced life insurance professionals should work on these cases – That’s where Twin Cities Mutual can help!

Asset Growth, Protection & Liquidity

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There are huge advantageous to using life insurance as an asset protection tool while you’re living. The cash value inside a permanent life insurance policy can be used in several ways. This includes the ability to safeguard cash from creditors, borrow money at a low interest, withdraw money via FIFO method, and receive early proceeds in the event of a terminal illness. Some people even use life insurance as a retirement asset accumulation vehicle because contribution limits are less restrictive than a qualified retirement account.