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LIFE INSURANCE

FOR

  UNDER $1 A DAY

Who We Are

TNG Insurance Services provides insurance options and recommendations based on client coverage needs, budget, and risk. We review current policies to determine adequate or current coverage and determine if there are any gaps in current protection. Licensed in multiple states, we can provide quotes for your:

          Auto

          Recreational Lines

          Home

          Renters

          Commercial Auto

          Commercial/Business

          General Liability

          Specialty Lines

           Life Insurance

           Annuity

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Additionally, we provide consulting and education to teachers, school administrators, professors, government employees, nurses, doctors, librarians, and non-profit organizations through Teacher's Pension. We consider ourselves educators of educators and our goal is to help individuals become more aware of their retirement options.

Auto

Over 18 million people trust Progressive to insure something they love such as their car, boat, house, motorcycle, etc. That's no surprise because we're the third largest auto insurer and the #1 motorcycle/specialty RV insurer. 

 

Get insurance for almost anything you need:

-Auto

-Motorcycle

-Boat

-RV

-ATV

-PWC (Jet Ski, Wave Runner, Sea-Doos)

-Golf Cart

-Segway

-Snowmobile

Licensed in CA, GA, MD, NY, SC, TX, & VA

Life

Mortgage Protection

...and mortgage protection from your bank really doesn't count! When you have Mortgage Protection from your bank, the bank is the beneficiary and you have no control.

 

Additionally, if your mortgage loan is bought or sold, you will have to re-apply for mortgage protection with the new bank that acquired your mortgage loan.

Please don't burden yourself with the unnecessary extra.

With us, you own the certificate, decide who the beneficiaries are and your coverage and payment amount never changes.

Final Expense

Why do you need protection for Final Expenses?

Because Social Security only pays $255 as a lump sum death benefit - and only to qualified dependents.

The Veterans Administration final expense benefit, if you qualify, is only $734.

 

The medium average cost of a funeral is $24,150. This, of course, doesn't include other debts left unpaid.

Final Expense life insurance can help protect families

from

unexpected end-of-life cost

for a loved one.

Retirement

When you purchase a Universal Policy it normally serves as a dual benefit with cash value growth.

 

When you consider a policy as part of your overall financial strategy you are choosing lifetime coverage. 
 

Cash value growth can potentially serve as an effective long-term tool such as supplementing a family's overall savings strategy.

 

Ultimately, the death benefit amount provided by life insurance can be an effective "wealth" transfer vehicle.

 

 Generally, tax-free and paid directly to the beneficiary, ask about this program. 

Life Carriers

Small Business Insurance

If you are looking for small business insurance we can quote you and get you qualified:

Commercial Multi-Line

(i.e. Child Care, Liquor Stores, Laundromats, Restaurants, Artisan/Trade Contractors, Beauty Parlor/Nail Shops. Barbershops, etc.)

Commercial Auto

(i.e. Ride Share, Truckers, etc.)

Non-Profit Package Lines

(i.e. Youth Sports, House of Worship, Arts & Culture, etc.)

Professional Lines

(i.e.  Employment Practices Liability, Real Estate E&O, Medical Providers, Property Managers, Cyber Liability, etc.)

Commercial Umbrella/ Excess Liability

 

Non-Profit 501(c) 3 D&O

Misc. E&O

Private Company D&O

If you don't see your industry, call us! I am sure we can insure your business.

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Retirement Planning

Annuities are insurance products designed to help you invest for retirement and provide supplemental income during your retirement.

So think about an annuity as a series of regular income payments that give you guaranteed, secure income, similar to a pension plan.

People typically buy annuities to help manage their income in retirement.

Retirement is a journey...not a destination.

How much money will you need in retirement?

One method of retirement planning is to project what you are currently saving and have accumulated to date and see if you will have enough to meet your retirement objectives. Use this calculator to determine when/if the money will run out during retirement and it will recommend additional savings if required.

-CalcxML

Attitude towards Risk:

What is your Risk Tolerance?

What do you expect to be your next major expenditure?

Over the next several years, you expect your annual income to:

What do you expect to be your next major expenditure?

Calculate your Social Security Amount - Retirement Estimator

The Retirement Estimator gives estimates based on your actual Social Security earnings record.

Please keep in mind that these are just estimates.

Life/Annuity Carriers