About Total Financial

Total Financial OfficeFor over 40 years Total Financial has been a significant independent resource for producers who dominate their marketplace. We are one of the nation’s leading experts in developing and underwriting life insurance for wealthy individuals and corporations. The companies we represent, several of whom we lead every year, value our input and consult with us to keep them on the cutting edge of the brokerage world.

Today we offer the successful insurance producer a powerful package of skill and selection. You get the most for your clients in this dynamic life insurance marketplace.


  • WIDE SELECTION OF THE RIGHT CARRIERS
    Your time is valuable. We do all we can to allow you to focus on your priorities. We perform the due diligence for you on carriers: their ratings, their products, their underwriting and their commissions. You can depend on us to constantly survey the marketplace for some of the most competitive, most cost-effective products for your clients. You are able to position yourself as company neutral and product neutral, thereby giving your clients confidence that your recommendations are in their best interests.

  • SPECIAL UNDERWRITING
    You and your clients have the benefit of both our expertise in underwriting complex medical conditions, and our negotiating leverage for some of the most competitive underwriting decisions. You and your clients benefit from the incredible rapport and outstanding leverage we have with our carriers!

  • EXPERT CASE DESIGN
    You have the access to our highly effective design capabilities that include experience with some of the most current tax advantaged strategies for income and estate planning. You have our assistance in designing customer presentations that leverage your unique sales strategies!

  • LARGE FACE AMOUNTS - REINSURANCE COORDINATION SALES
    The complexity of the high net worth marketplace often requires coverage from several carriers. Reinsurance plays a sensitive role in this process. Operating in this arena has always been one of our specialties. We know where and when to submit your case in order to afford you the most favorable combinations of automatic, jumbo and facultative reinsurance. Why wouldn’t you want one of the best working for your clients? Shouldn’t you be one of our Top Tier brokers?
  • All it takes is a phone call, a fax or an email and you have “our team on your team.”

  • THESE ARE SOME OF OUR SPECIALTIES
    • Universal life
    • Indexed Universal Life
    • Impaired risk underwriting
    • Medical underwriting
    • Foreign national life insurance
    • Whole life insurance
    • Long term care insurance
    • Estate planning
    • Guaranteed issue life insurance
    • GISI insurance
    • Term life insurance
    • SPIA Premium financing

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DISCLAIMER: This website is for financial professionals and agents only. Not for use with the general public | CA Insurance License #0D04093 Securities Offered Through The Leaders Group | Member FINRA / SIPC CIS is not affiliated with The Leaders Group | 26 West Dry Creek Circle, Ste. 575 Littleton, CO 80120 | 303-797-9080 | www.Finra.org