TW Insurance Service, LLC

Who are we at TW Insurance Service LLC?

We are a team of independent agents who serve our communities and assist our clients with their insurance needs. We work with many of the top-rated insurance carriers in the country to help protect our clients. Individuals aged 0-89 “We Get You Covered”

“We all need a strategy when it comes to protecting ourselves from the events of life. Whether it’s a car accident, a critical illness like cancer, a heart attack or stroke, or even a loss of life, TW Insurance Service LLC is here to help. We face the risk of loss every day. Insurance simply transfers our everyday risk to an insurance carrier in the event of a loss. Our specialists help you find solutions for your insurance needs that fit your budget.

Troy Whitehurst, Managing Agent

Insurance Services

Indexed Universal Life

Indexed Universal Life (IUL) is a permanent life insurance policy where the cash value is indexed to accumulate faster growth. It also provides long-term death benefit protection. It is issued on a simplified underwriting basis, which means our clients can get their policies faster.

IUL also provides a death benefit to the policyholder’s beneficiaries in exchange for periodic premium payments to the life insurance company. In addition to a death benefit, your policy may accumulate cash value which grows based on the performance of a market-driven index. You participate in a portion of the index gain, subject to certain limits, such as caps, spreads and participation rates. Policy guarantees offer protection to ensure you will never experience a loss in cash value due to index performance.

Whole Life

It provides lifetime coverage at a premium level that does not increase if premiums are paid as planned. Products offer guaranteed cash values that increase each year on a tax-deferred basis. Dividends may also be paid annually.

Term Life

Affordable term life insurance for temporary needs offering life insurance for a specified period to cover specific needs. Products offer guaranteed level death benefits, guaranteed premiums during the initial coverage period, an option to convert to permanent life insurance, and a choice of coverage periods – 10, 15, 20, or 30 years. You can enhance your coverage with optional riders.

Health Insurance

A set of 10 categories of services health insurance plans must cover under the Affordable Care Act. These include doctors’ services, inpatient and outpatient hospital care, prescription drug coverage, pregnancy and childbirth, mental health services, and more. Some plans cover more services. We assist our clients in finding the best plan that is suitable for their needs.

Worksite Benefits

One of the best ways to attract and retain quality employees is to offer a competitive, comprehensive benefits package. Voluntary worksite benefits, also known as supplemental insurance, are a cost-effective solution to help employees offset out-of-pocket medical expenses. These benefits are employee-paid and can help your employees fill the gaps created by high deductibles and rising co-pay, providing the financial security they need and deserve. Employees’ premiums can be payroll deducted, and administration is simple.

Our work promises to uphold the trust placed

At TW Insurance Service our culture is based on

• Integrity
• High level of Product Knowledge
• Family-Oriented
• Faith-based principles
• Client First