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Get to Know Your Medicare Team at Twin City Underwriters

Get to Know Your Medicare Team at Twin City Underwriters

October 16, 2025 | Kathy Ingulsrud

At Twin City Underwriters, we know how overwhelming the Medicare journey can be. Before joining, you’ll find yourself wondering – When do I apply? What type of plan is right for me?  What insurance carrier should I enroll with? How much will it cost?

Once you get past these initial steps, you’ll need to review potential changes to your plans and even Medicare regulations on an annual basis. With all of these moving parts, it’s easy to feel at a loss. This is where the Twin City Underwriters team can be an invaluable resource in providing you peace of mind when making Medicare decisions.

The Twin City Underwriters Model

The way Twin City Underwriters (TCU) operates is different than most independent insurance agencies or insurance brokers out there. At TCU, our agents work as a team to empower one another and provide our clients with unsurpassed service. Rather than being tied to one agent, our entire team is able to answer your questions and review your options each year, ensuring you receive support promptly.

Learn more about our history and what makes us different than other insurance agencies out there: About Twin City Underwriters

No Agent Commissions, Just Honest Guidance

Another way the Twin City Underwriters team is unlike other insurance agents and companies is the way in which our agents are paid. In the insurance industry, most agents are paid on commission. However, at TCU, our agents are paid a salary and never on commission. Our goal behind this unique model is to remove any bias when helping clients select a plan that is most suitable for their individual needs.

Want to learn more about Medicare?  Sign up for a FREE Medicare informational session and get all your Medicare questions answered. Online and in-person options are available.

“So, how do you all get paid and keep the lights on?” you might ask. Medicare plans include a built-in sales commission, which can be paid directly to the plans’ internal agents or external “captive” agents representing the plan. Other independent agents might contract with just a few insurance companies. At TCU, our agents are licensed with most major carriers in our region.

All commissions received go directly to our agency’s operation rather than individual agents. Essentially, agents are free from personal gain and able to make recommendations solely in the best interest of our Medicare clients. When we say this, we genuinely mean it - our agents are empowered to enroll you in the plan that suits you best, not the plan that earns commissions.

At Twin City Underwriters, there is never a fee or charge for our educational seminars, one-on-one appointments or calling in anytime with questions.

Get to Know the Twin City Underwriters Team

Our team of licensed insurance agents are passionate and dedicated to helping seniors understand their Medicare options and get the most from their Medicare plan elections. Our agents come from all walks of life, but we have one shared goal: to make your journey with Medicare easier and maybe even a little fun.

Want to get to know the TCU team even better? Visit our team page or check out our YouTube channel.

Support You Can Count on With Twin City Underwriter's SurePlan® Medicare System

What else sets us apart? Our SurePlan® Medicare System is an exclusive offering from Twin City Underwriters to provide our clients with the highest standard of excellence.

Twin City Underwriter's SurePlan Medicare System logo circles

Our SurePlan® Medicare System is comprised of 3 pillars to ensure you receive exceptional guidance, a suitable Medicare plan and ongoing support.

  • Propriety Medicare Suitability Tool
  • Three|Six|Five Partnership
  • Guaranteed Annual Review

Learn more about our SurePlan® Medicare System 

 

At Twin City Underwriters, we are committed to providing our clients with the highest standard of excellence. We believe in delivering a solid Medicare education, clear communication and sharing the information you need to make informed decisions on your Medicare choices. 

Reach out today to talk to our team and get started. 

Choosing a Medicare plan can be difficult. Twin City Underwriters helps Medicare recipients in Minnesota, Wisconsin, North Dakota, South Dakota, Iowa and Florida find the Medicare plan that meets their unique needs. Schedule a one-on-one meeting with one of our Medicare insurance brokers to get your questions answered!


Do you need help with Medicare, insurance and health plans? Explore your options with Allina Health Aetna, BlueCross BlueShield of Minnesota, Medica, UCare, United HealthCare and more. We work with you to find the best plan for your needs and budget. Contact us today to get started.