Personalized Risk Management

Your personal risk management strategy can have a major impact on your family’s financial bottom line. Few can afford to get it wrong.  We help you identify and evaluate your exposure to loss and develop a strategy designed to avoid financial risks and minimize their impact on your life.

Protect Yourself and Those You Care About

Identifying what you have and what you need to protect is fundamental to determining the best approach and strategy to fit your level of risk tolerance.  Protecting your family from a financial burden and avoiding anything that might get in the way of achieving your financial goals is key.

TPS offers strategic advice and innovative strategies through a wide range of products and services.

  • Life Insurance
  • Annuities
  • Disability and Long-Term Care Planning
  • Health Insurance
  • Business Planning

We focus on being confident you are getting the most for your insurance dollar.

Manage Risks to Minimize their Threats

Your exposure to risk will change over time. We are here to help you monitor and manage your risk strategy, and provide on-going advice and helpful information.  We regularly review each plan and work with you to make the necessary modifications to your ever changing risk parameters and financial needs.

This on-going process includes assessing the risks, prioritizing those risks, and helping you make informed decisions to mitigate them.

Risk Management Products

Life Insurance

  • Annual Renewable Term
  • Level Term — 5-, 10-, 15- and 20-Year
  • Whole Life • Universal Life
  • Variable Universal Life
  • Survivorship Variable Universal Life
  • Survivorship Universal Life
  • Indexed Universal Life


  • Fixed (single flexible & immediate)
  • Variable Annuities (immediate & flexible payment)
  • Group Annuities (to fund qualified retirement plans)
  • Equity Indexed Annuities

Disability & Long-Term Care Planning

  • Employer-Sponsored Individual Disability
  • Income Insurance
  • Individual Disability Income Insurance
  • Group Long-Term & Short-Term Disability Income Insurance
  • Employer-Sponsored Individual Long-Term Care Insurance
  • Individual & Group Long-Term Care Insurance
  • Business Overhead Expense
  • Disability Buyout Protection

Health Insurance *

  • PPO
  • Indemnity Plans
  • Individual & Group Medical Plans
  • Medigap

*Subject to availability by state and location.

Strategic Advice and Innovative Strategies