We at TSI can help you protect what matters most. Utilizing life insurance to accomplish this offers peace of mind for you and your loved ones. In addition to a death benefit, life insurance can offer many living benefits as well. Lifetime income, Long term care, tax deferral, business planning and retirement planning are just a few of the many options life insurance products can provide. Life insurance is based on your needs and goals. Below are some of the many life insurance options TSI can provide:

Life Insurance

Whole Life
Indexed Universal Life
Variable Universal Life
Term Life
Long Term Care

These policies are designed for individuals who want guarantees and who are focused on providing death benefit protection over cash value accumulation.


  • Guaranteed death benefit
  • Guaranteed cash value
  • Potential additional cash value by the receipt of any dividends declared by the company. Although not guaranteed, dividend payments are generally declared annually by the company.
  • Level premiums that are guaranteed to never change.

These policies are  ideal for the consumer who has a need for life insurance, is somewhat conservative, and wants the guarantees of a fixed, minimum interest rate with the potential for additional interest credits. These policies can be on a guaranteed chassis with little to no cash accumulation or a current assumption with a shorter guarantee period with some upside for cash accumulation


  • Flexible death benefit
  • Flexible premium
  • Policy cash values (if any) are credited a current interest rate that is set by the insurance company, which is subject to change, but will never be lower than a guaranteed minimum interest rate.

May be ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income, college education funding, etc. Indexed UL contracts range from longer guarantees with lower cash accumulation up to shorter guarantee period with more upside cash value potential.


  • Flexible death benefit
  • Flexible premium
  • Cash value grows based on an interest crediting strategy that is tied to changes in a market index.
  • Downside protection through minimum guarantees to ensure that your cash value will not decline due to decreases in the Index.
  • Tax Deferred Growth
  • Asset Protection depending on state

This policy design is for the customer who needs life insurance but would like to have the ability to choose how their cash value is invested. Traditionally, VUL products have a certain short term guaranteed death benefit. The policy performance is tied to the performance of the sub accounts.  VUL contracts offer a bit more upside potential in cash accumulation than other permanent product, but also may have more management expenses because of the separate sub accounts that you choose.


  • Flexible death benefit
  • Flexible premium
  • Cash value grows based on the performance of the professionally managed stock, bond and money market sub-accounts that you choose. You can design a portfolio to match your comfort level and risk tolerance. Policy cash values fluctuate based on the sub accounts in which you are invested and may lose value, including principal.
  • Tax Deferred Growth
  • Asset Protection depending on state

Term Insurance is one of the most affordable and easy ways to protect your financial security. In the event of a death, it replaces income and assets that your family or dependents can rely on. Term insurance is considerably more affordable than permanent or whole life policies. You only buy what you need and for a fixed period of time.

Term Life Insurance policies can be bought for 5, 10, 15, 20 or 30 years. In the event that something would happen to you while the policy is in force, your chosen beneficiaries will receive a death benefit in the amount of the policy. If premiums for the policy are paid with after tax monies, the death benefit would be paid to your beneficiaries tax-free.

Life insurance is a product that you never need until the unexpected takes place. To make sure your family is taken care of the event of a tragic loss, click below to get a free term life insurance quote today.


  • Extremely Affordable
  • Purchase for a certain fixed time period
  • Death Benefit is paid tax-free if premiums are paid with after tax monies
  • Simplicity and easy to sign up for
  • The younger and healthier usually pay lower premiums

While there are two main types of long-term care insurance: traditional and asset-based policies, TSI tends to appreciate asset-based policies as they are feature rich and can accomplish many tasks in addition to long-term care needs. Asset based long-term care plans, also called hybrid policies, are built around life insurance combined with long-term care benefits. These policies not only offer long term care benefits, they could be utilized for a tax-free death benefit or surrendered for full return of premium if no longer needed.


  • Flexible Benefits
  • Trigger payments based on inability to perform a certain number of activities of daily living (ADL’s)
  • Utilize benefits for in-home or in-faculty care
  • Tax Free Income for long-term Care OR a death benefit OR a return of premium if policy is never used surrendered.
Four Main Benefits Of

Personally Owned Life Insurance

Death Benefit Protection

In a time of grief, a life insurance policy can help with medical bills, funeral costs and other immediate expenses, ensuring a family has financial support when it’s needed most. It can also help replace lost income for the future, providing loved ones with a better chance of continuing their current lifestyle.

Cash Accumulation

Life insurance can help one diversify their investment portfolio. In some products (universal and whole life) a certain portion of your premium earns interest. The gain is tax-deferred until withdrawn and can help fund supplemental retirement income, college expenses, or other financial obligations. If the contract is structured properly, the withdraws may be able to be taken out income tax free.

Income Tax Benefits

There are a couple of ways that life insurance policies can transfer benefits free of federal income taxes. One way, is the death benefit is traditionally paid to the stated beneficiary tax free. Additionally, earnings from accumulated value are not taxed until withdrawn. If the contract is structured properly, the withdraws may be able to be taken out income tax free.

Estate Planning

Regardless of the size of an estate, this can be a major consideration. Integrating life insurance into an estate plan can offer a number of benefits, including avoiding family conflict, protecting other assets or providing trusts for beneficiaries.

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