news about products and other items dealing with life insurance and or annuities

August 22, 2019

Important Details About Transitioning to the 2017 CSO Table

Beginning January 1, 2020 — like all U.S. life insurers — John Hancock must base any new life insurance policy issued on the 2017 Commissioners Standard Ordinary (CSO) […]
July 24, 2019

Foreign Nationals – The Planning Process

Foreign Nationals – The Planning Process Total Financial Success in this market requires having a partner that has the knowledge and expertise you can rely on […]
June 28, 2019

Meet Your Team

Highland Capital Brokerage’s diversified and solid foundation along with Total Financial’s experience in this space gives us a most unique value proposition – we truly identify […]
February 26, 2019

We are pleased to announce the strategic partnership between Total Financial & Insurance Services, Inc. and Highland Capital Brokerage

We are excited to announce that Highland Capital Brokerage/Constellation and Total Financial & Insurance Services, Inc. have entered into a strategic partnership with the intent to […]
June 21, 2018

Life Insurance – Who Needs It?

If you’re a Small-Business Owner yo do! Besides taking care of your family, life insurance can also protect your business. What would happen to your business if you, one of your fellow owners or a key employee died tomorrow? Life insurance can help in a number of ways.
June 20, 2018

Life insurance may be one of the most important purchases you’ll ever make

No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid.