Term Universal Whole Life Insurance

Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A person
should have life insurance that approaches six to eight times their annual gross
income. Under current laws, there is generally no federal income tax on death
benefits paid to a named beneficiary.

Life insurance coverage for a specified length of time. A term life insurance
policy is usually purchased with a particular need in mind. Beneficiaries will
collect, usually tax free, the face value of the policy upon the insured (your)
death. Term life is attractive for those with a limited income, high short term
insurance needs, or for personal family protection.

If the insured survives the time period, the policy expires. There is no cash
value at the expiration of a term life insurance policy. Some policies have a
convertible feature permitting a policyowner to exchange a term policy for a
cash value policy without evidence of insurability.

Click on the link below to fill out a quote request form for a Term Life
Insurance policy that will provide excellent life insurance coverage at an
affordable cost. Or you can speak with our Life Insurance agent
specialist toll free at 1-877-730-4678 or locally at (651) 730-6666 to
discuss the features.

A flexible premium policy that combines protection against premature death with a savings
account that typically earns a money market rate of interest. A universal life insurance
policy is a combination of term life insurance protection with the cash savings value of
whole life insurance. Interest rates paid on the cash value are typically higher than with
whole life insurance because they tend to follow the markets.

Premiums for universal life insurance policies can be paid in a lump sum, annually, or
anywhere in between. Interest on the cash value is usually guaranteed, but will vary
according to the investment performance. Each month deductions are made from the cash
value fund to support the costs of the insurance protection. As long as the cash value is
substantial enough to maintain the monthly costs, the policy will remain in force. Typically
the death benefit reduces in proportion to the increase in cash value, thus causing a level
death benefit.

Click on the link below to fill out a quote request form for a Universal Life Insurance policy
that will provide excellent life insurance coverage at an affordable cost. Or you can speak with
our Life Insurance agent specialist toll free at 1-877-730-4678 or locally at (651) 730-6666 to
discuss the features.

We are your local St. Paul, Minnesota insurance agency, offering affordable Term and
Universal Life Insurance policy premiums in the following Twin Cities area towns and
counties: Minneapolis, Bloomington, Roseville, Maplewood, North St. Paul, Oakdale,
Woodbury, Cottage Grove, South St. Paul, Inver Grove Heights, Eagan, West St. Paul,
Richfield, Burnsville, Edina, Lilydale, Mendota Heights, St. Paul Park, Lake Elmo,
Newport, Cedar Grove, Savage, Shakopee, Eden Prairie, Minnetonka, Hopkins, St.
Louis Park, Plymouth, Golden Valley, Columbia Heights, New Hope, Crystal,
Robbinsdale, Brooklyn Center, Fridley, New Brighton, Maple Grove, St. Anthony, Arfen
Hills, Shoreview, Vadnais Heights, Little Canada, White Bear Lake, Mahtomedi, Grant,
Bellaire, North Oaks, Gem Lake, Mounds View, Lino Lakes, Blaine, Coon Rapids,
Spring Lake Park, Lexington, Afton, Lakeland, Bayport, Stillwater, Apple Valley,
Andover, St. Cloud, Mankato, Rochester, Duluth, Anoka, Champlin, Andover, Oak
Grove, St. Michael, Hanover, Scandia, Forest Lake, Wyoming, Rosemount, Hastings,
Vermillon, Coates, Ramsey County, Hennepin County, Dakota County, Anoka County,
and Washington County, MN. We also offer life insurance services in the remainder of
Minnesota and throughout Wisconsin.