For over 40 years, Total Financial has been a leading life insurance brokerage agency, serving successful producers and financial advisors throughout the country. We are one of the nation’s leading experts in developing and underwriting large placement life insurance for wealthy individuals and corporations, as well as international clients and other specialty markets. As a founding member of National Financial Partners (NFP), we combine the benefits of a high caliber boutique insurance brokerage with the breadth and resources of a national organization.
Total has superb capabilities in individual and business insurance markets and we also offer expertise in specialized areas including: Guaranteed Issue Life, Premium Financing, Foreign National Coverage and Stacked/Jumbo High Capacity Coverage, among others. As a result, we work with more top producers and large cases than most firms in the industry.
Some examples of our areas of expertise are:
LARGE FACE AMOUNTS - REINSURANCE COORDINATION SALES
The complexity of the high net worth marketplace often requires coverage from several primary carriers and reinsurance carriers. Constructing and placing these cases requires extensive experience and this has always been one of our specialties.
FOREIGN NATIONAL/INTERNATIONAL COVERAGE
Both on-shore and off-shore clients can benefit from our extensive capabilities in this growing area.
We can help your business clients with underwritten and guaranteed-issue life employee benefits, as well as business-owner solutions and specialized programs to increase your sales in the business market.
IMPAIRED RISK and SPECIALTY UNDERWRITING
Underwriting complex medical conditions is another area in which we excel. Due to our advanced underwriting resources and our negotiating leverage with the carriers, we can obtain the most competitive underwriting decisions. Bring us your very toughest cases, and let us show you how we can get them covered.
We can offer your business clients large face amounts with no medical underwriting for their employees using our wide array of guaranteed issue programs.
We offer unique solutions that encompass product design and tax-advantaged strategies to optimize your clients’ wealth transfer.
We have access to direct bank lenders as well as marketing programs that offer full pre- and post-sale support.
SPIAs to FUND LIFE INSURANCE
We are one of the country’s largest writers of SPIAs. Come to us for the most competitive rates on large deposits and creative funding ideas on how to fund life insurance with annuity income streams
Let us show you why indexed UL should be an important part of your wealthy clients’ insurance portfolios. With the increasing array of indexed products available, we will show you how to navigate through the comparisons to determine which products are the best options for your clients.
JOIN US TODAY – Find out why so many top producers have been using Total Financial for decades as their primary insurance brokerage resource. Let us start helping you grow your business today.