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The Total

Year after year for over five decades, Total Financial has set award-winning standards in the industry by leaning into our commitment to brokers.  We advance broker-focused policy on boards across the insurance landscape; we are proud of the success stories we have helped along the way.  We treat our clients like family because the heart of our efforts is based on expertise gained from experience and relationships.  

Concierge Underwriting

Our full-service underwriting is the Total Solution for risk analysis 

Our general and medical underwriting are legendary.  From our in-house experts to our outstanding industry liaisons, we are able to make the impossible, routine.  Our service is comprehensive.  Each case is treated to its own analysis, consulting leaders across a spectrum of disciplines.  The end result is policy that is exquisitely tailored to your client and delivered with everything you need to explain it to them.

Detailed Analysis, Outstanding Outcomes

  • Experts in complex medical underwriting
  • Impaired risk underwriting
  • Meticulous planning and assessment
  • In depth medical analysis to separate risk from clinical profile

Elevating Every Case

We help keep your clients out of traditional risk assessment ‘boxes’ so that their policy is formed from their unique circumstances.  We elevate outcomes while maintaining client privacy.  Our track record is one of consistent success and perseverance.  We handle each case on it’s own and see it through from inception to delivery, every step of the way.

Advanced Planning

We are the Total Solution for your Advanced Planning Needs

We are a stand-out when it comes to Advanced Planning. Our process is thorough and intentional. We have assembled a multi-disciplinary team of experts capable of handling every aspect of your client’s needs. This comprehensive analysis is then seamlessly integrated into elegant case design that leaves no stone unturned. We understand there are no cookie-cutter solutions when it comes to your client’s future. We have placed some of the largest cases in the industry and our track record is one of unprecedented success and client satisfaction.

A Holistic Approach

  • Ultra-high-net-worth planning
  • Private and commercial premium finance strategies
  • Estate/wealth and retirement solutions
  • Business succession planning
  • Specialty markets and charitable planning
  • Special needs planning
  • Foreign Nationals

High-end technical support

  • Advanced case design and consultation
  • Carrier-agnostic product design and selection
  • Our proprietary fact-finder tools for delineation of client assets and goals
  • Training and continuing education
  • Full suite of marketing materials and resources
  • Tax, legal, and legislative updates and thought leadership articles

Business Development

Become a part of the Total solution for realizing strategic opportunities

We thrive on the success of our advisors and brokers.  We understand that connection drives our industry.  Total Financial fosters symbiotic relationships between our members and our industry contacts.  Together, we help each other forward.  We educate with our regular podcasts and videos that aim to keep our brokers on top of industry trends while explaining the ever-changing regulatory landscape.  We help put brokers in a position to increase revenue while providing inspiring client service.

Our Resources are Your Rocketfuel

  • Educational resources and one-on-one expertise to help you reach your goals and grow your book of business
  • Access to expanded market opportunities through our network
  • Community of like-minded achievers with diverse market reach
  • Staying involved with your growth and providing leading-edge products and services

Your Growth is Our Goal

Agents who work with us are treated like family.  Our commitment to the success of that family is evident through our detailed approach to business development.  When you are a part of Total Financial, our greatest asset is your success.  Our networking capacity and in-house resources are centered around helping you keep and acquire new business.