TNT Insurance Agency lLC

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office: 386-310-1660


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  Become Your Own Banker

  • Become Debt-Free (you need capital to fund it, and we'll help you find the money, build the bank and create the plan)

  • living benefits - stop paying the banks all the interest and use your retirement cash now to become debt-free



    • You can control your spending, debt, savings and taxation with the 10 Principles of Money Management while also accomplishing much more.

    • Having tax-free income at retirement

    • Financing all your automobiles and major purchases

    • Capturing the interest you are currently losing

    • Saving for college

    • Family Getaways

    • Medical and Dental Expenditures

    • Prevent Payment of Estate Taxes

    • Private Loans

    • Insurance – Health, Automobile, and so on

    • Create a Family Legacy that Passes to Each New Generation

    • Establish an emergency fund



  • plus you get a death benefit along with all the living benefits so you never need the bank again.

  • Create a Tax-Free Retirement (don't use an ira or 401k again that just makes money for the government to tax).


  Life Insurance (Whole) For Individuals           

  • Whole life provides a good source of tax-free funds for big-ticket items that could put a dent in a tight retirement budget.

  • Create Cash Value and Borrowing capabilities for Individuals and Businesses.



Decrease costs due to Employee Wage Garnishments, Child Support and Bankruptcies. Help your Employees to fund their own Retirements by providing Financial Education and reducing the costs of creating a 401k retirement fund.

Business Owners: Finance your Business Expenses and Fund your Retirement fund at the same time (Cost Recovery Strategy)





  • Recover part or all of monies spent on targeted expenses while still recording them as an expense to the business

  • Recover the lost opportunity costs associated with these expenses

  • Apply a banking model to your business

  • Use the banking model to become your own financing source for future expenditures

  • Get money out of the business on a favorable basis to help supplement retirement


What if you could learn to grow your money at double-digits?

Learn how to protect your retirement money from market crashes?

Borrow for a car, and make yourself richer? Grow your money tax-free?

Ask us we know how...

Your Family Bank utilizes both.  It is a system that helps both individuals and businesses redirect money normally lost to debt, interest and taxes back into their circle of wealth, while at the same time ensuring that your dollar gains a positive rate of return every day.

So... Are you 100% sure you are going to have a great Retirement, or do you have some doubt?


Life Insurance (Term)


The cheapest form of life insurance at an early age (term prices increase as you age). 

Has death benefits for the term of the life insurance policy.

Needs Analysis provided to determine amount to select. 

Policy amount can be limited to Income levels set by the Insurance company.



  What’s the difference between whole life and term?

Benefits: Whole life policies have a living benefit, and a tax-sheltered cash account that builds up inside. Clients don’t pay taxes on the gain each year, and that money can be used in retirement to supplement retirement planning. No such benefit is available with term insurance. Term insurance only has the actual life insurance coverage; there is nothing but a death benefit. In order for the benefit to be paid, somebody has to pass.

Buyers can also add riders to whole life policies, such as accelerated benefits riders, which enable someone who has a terminal illness to be able to access as much as two-thirds of the benefits while still alive. This is something that can’t be done with term insurance.

Dividends: A whole life product has dividends, and the dividends are paid out much like they would be to a stockholder of a company. Those dividends can be used to reduce the premium, or they can be used to build up the cash inside the policy and the face amount. Term life insurance has little or no dividends.


    Biggest Myth : Whole life is too expensive.

Facts: In considering whether to purchase whole life or to “buy term and invest the difference,” you must take into account not just the premium cost, but also the length of time you want coverage and your ability to “invest the rest” efficiently.

Term insurance isn’t designed for lifetime coverage. In fact, term insurance is prohibitively expensive to maintain for the average U.S. life expectancy of 78.9 years — never mind to age 100. Term costs can average a staggering $700,000 per $1 million of death benefit, and more than $4,000,000, to age 100 for a $1 million policy.



Remember Life Insurance has a lot of Living Benefits (770 account), it's not all about the Death Benefits!  Ask us how, so you can capitalize on the Living Benefits and build wealth on any Income for your Life's needs... 

Put money spent on a purchase back in your pocket by financing your own spending

and protect your retirement from being decimated by taxes.


The Real problem isn't the Rate of Return on Savings... It's the Interest charges and Taxes eating at your Savings.






 Call or Email so we can Design a Plan to

             help you through Your Game of Life.

          386-310-1660 / 407-365-5234




    IRA/401k Retirement Rescues

    (Get the IRS out of your back pocket)

  • Take back control of this ticking tax bomb and create a tax-free environment not only for you, but also for your family. Eliminate the future taxation of money using IRS Code 7702.

  • Whatever Rate of Return you earned on your IRA money will easily be cancelled out by the Taxes paid to the government, and taxes do not go down, they typically go up.

  • Move your money from Accounts that are forever-taxed to accounts that are never-taxed AND NEVER LOSE YOUR PRINCIPAL AGAIN, by being in the MARKET.

  • Use the Cash Value of your Life Insurance into a Tax-Free Savings Vehicle to finance your Living Needs (i.e. self-insure yourself vs. buying Long-Term Insurance and leverage it for other financial needs).

  • Remove the Tax & Stock Market Risk & NEVER LOSE YOUR PRINCIPAL AGAIN.

  • Increase the Amount you can contribute over tax-deferred accounts.





    (GetS the IRS out of your back pocket)

Tax rates are at an all-time low:

Protect yourself from Liquidity Issues, Tax Risk, Investment and Market Risk with a Tax-Free Retirement and Estate Protection with a Death Benefit. Cash Value Life Insurance has Living Benefits to fuel your retirement and leverage it for financial needs.

  • You insure your house, your car, your health, your life...

  • Why do you not insure your retirement?

  • Ask us how to grow your money WITHOUT losing your Principle (your money).


diversify your retirement dollars: tax-free dollars


  • Roth IRAs offer Tax-Free Dollars, BUT limit the Annual Contribution.


  • If you are playing catch-up with your Retirement Dollars, MOST PEOPLE FAIL to consider LIFE INSURANCE as an place to put Retirement Dollars.






Listen to Ed Slott's Retirement Rescue tax advice regarding Cash Value Life Insurance:



Plan for Success & Discover...  

  •  How to eliminate ALL debt, mortgage included, in 9 years or less.

  •  How to accumulate wealth on any income.

  •  Why investing in the stock market is not for everyone - learn smarter ways to retire wealthy.

  •  Why your 401(k) may not be enough and what experts will never tell you about saving for the future.

  •  How to cut your tax burden by up to half!


    There are two proven paths to building wealth:

You can increase the amount of money you make,

OR you can increase the amount of money you keep.


Call for a Plan Review by an Independent Insurance Agent at our office  or email us.

Contact  Clint or Sandy

Office 386-310-1660 / 407-365-5234

or  email:


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TNT Insurance Agency LLC   P.O. Box 196597, Winter Springs, FL 32719-6597