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ABOUT US

TJD Life Insurance and Annuity is a national life insurance brokerage company, partnered with North American Senior Benefits an Integrity company. We specialize in various life insurance products for all ages. We take a unique customizable approach that puts you in the driver seat to get you where you want to be.

Our mission is serving and meeting the needs of our clients who trust us to accurately put a plan in place for them. Our company offers a personalized approach to providing customized, tailored solutions to each of our clients needs. With offices located throughout the country, you’ll speak with a licensed professional.

SERVICES WE OFFER

Final Expense (Burial)

Final expense, also known as burial coverage or funeral insurance is a whole life insurance policy that has a small death benefit and is easier to get approved for. The smaller death benefit of final expense insurance makes the premiums more affordable and the policy is permanent. No matter when you pass away, your heirs will get the death benefit you want them to have. These policies are also available to applicants with poor health and the application process doesn’t include a medical exam. 

Mortgage Protection (Term)

Mortgage life insurance is designed to protect heirs if the borrower passes away while owing mortgage payments. Types of coverage include declining-term (the face amount decreases as the mortgage balance drops) or level death benefit and premiums stay the same for the duration of the term period. This is the most affordable life insurance and allows the consumer a larger death benefit.

WHOLE LIFE INSURANCE

Whole Life insurance is a permanent death benefit for an individuals entire life. Whole Life insurance includes a savings element, called cash value. Some policies are eligible for dividend payments and the policyholder can choose to receive those dividends or purchase additional death benefits which will increase the total payout at the time of death. 

Universal Life

Universal Life Insurance (UL) is considered permanent life insurance however the client may choose to what age the policy is in force until. UL insurance has an investment savings element and low premiums similar to those of term life insurance. Three types of UL insurance options are flexible-premium, single premium (a lump sum one time premium), or fixed-premiums. Similar to a savings account, a UL insurance policy can accrue cash value. The cash value earns interest based on the current market or minimum interest rate, whichever is greater. UL policyholders may borrow against the cash value without tax implications.

Annuities

An Annuity is a long term investment or a fixed sum of money and is designed to provide constant cash flow for people during their retirement years. The accumulation is the first process of the annuity where investors fund the product with either a lump sum or frequent payments.Through the annuitization phase what you’ve contributed is converted into periodic payments that can last a lifetime.

WHY CHOOSE US

WHAT OUR CLIENT SAY

Kelvin J.
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Absolutely love there policies and return! Always the best experience.
John L.
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TJD Life Insurance and Annuity is the best insurance company for all ages. They provide so many options that meets your requirements!
Denis W.
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I highly recommend the insurance policies of TJD Life Insurance and Annuity They have helped me in my whole life insurance policy with best offers. Thank you so much.
Ronald W.
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I highly recommend TJD Life Insurance and Annuity! Made me feel very welcomed and took a close action for my query and helped me quickly.
George A.
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I am very happy that I choose TJD Life Insurance and Annuity for my insurance policy. They are very friendly and clear all my queries and manage my insurance policy report very well.
William E.
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Amazing services!! I have my whole life insurance policy with TJD Life Insurance and Annuity from last 5 years and I am very happy with the outcome. They ensure to satisfy customer to the highest level!!.
Michael M.
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Very helpful and insightful. Easy to talk to. Learned a lot.
James H.
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Always a pleasure going to TJD Life Insurance and Annuity always make me feel at home and comfortable.
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