HEALTH INSURANCE · LIFE INSURANCE · RETIREMENT PLANNING
We are TFG Tolbert Financial Group, a health insurance and risk management firm that works with you to achieve your personal, professional, and financial goals — from age 1 to 80.
Chuck and Sheila Tolbert, Licensed Financial Professionals.
YOUR DEFENSE
The most expensive plan is no plan. TFG does defensive planning — every strategy we build is protective planning that mitigates loss: your health, your income, your family, your future. We deal with no risk. Investments are risky — that’s offense, and offense isn’t our game.
And the most expensive plan can also be an outdated one. Maybe you put something in place five years ago — or even last year. Then life changed: a baby, a business, a mortgage. That’s why we have regular conversations with our clients about everything going on, and we sit down with them every single year to review their plan and make sure it’s actually working.
Our job is to protect your biggest assets. And your biggest asset isn’t your home or your car — it’s your ability to earn an income.
YOUR DEFENSE
Five strategies. One line of defense. Rate yourself, honestly — 0 to 100%.
Wherever your number lands, that's where we start.
Want your real score? Take the 2-minute Coverage Gap Questionnaire.
WHAT WE OFFER
Comprehensive solutions tailored to every stage of your financial journey.
On the health side, we do health insurance for individuals, families, the self-employed, and employers — ACA marketplace, private, group, and supplemental coverage. That's led by Sheila Tolbert, health insurance professional.
Learn more →On the life insurance side, we do LIRP — life insurance retirement planning. We use indexed universal life and whole life insurance. Once the policy's grown, you can leverage it — borrow against it through policy loans, or assign the policy as collateral to a bank or lending institution to access funds. The lender's secured because the loan is tied to the life insurance policy.
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For business owners and professionals — doctors, lawyers, dentists, people like that — disability income insurance replaces your income if an injury or illness keeps you from working at full capacity. The important version is called 'own occupation,' which means if you can't do your specific job anymore, it pays — even if you could technically do some other work. For a lot of professionals, their income is their biggest asset, and this is one of the most overlooked protections for it.
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Annuities can provide guaranteed income. Annuity guarantees are backed by the issuing carrier's financial strength and claims-paying ability.
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Lost track of an old 401(k)? When you change jobs, old 401(k)s get left behind — thousands of dollars sitting there, not growing, and a lot of people forget they even have them. We help you track down those old accounts and roll them over — into new IRAs or annuities that can provide additional income in retirement.
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Straightforward protection for the years your family counts on you most — a set period, a set amount, living-benefit riders available. Plus permanent protection with living benefits, for the people who count on you.
Learn more →HOW IT WORKS
A complimentary conversation to understand your goals, concerns, and current financial picture.
We plan from beginning to end — starting with your budget: daily and monthly expenses, so you see exactly where your money goes. We look for wasted dollars — spending to cut, and insurance you're overpaying for or doubled up on. Then we reposition those dollars into the gaps that matter, putting you in a more advantaged position. The goal: the death benefit covers your family so they never have to dig into the nest egg or borrow to survive.
A personalized roadmap built for you.
Putting the plan in motion with trusted institutions.
Regular reviews to adjust as life changes.
FOR EVERY STAGE OF LIFE
Here's what most of our clients come to us concerned about — and when.
Long before the first paycheck, parents put the first layer of defense in place — coverage for the kids and health insurance for the whole family, locked in while everyone is young and insurable.
First job, first apartment, first real bills. Most people come to us here for health insurance after aging off a parent's plan, disability income once the paychecks start, and starter life insurance while it's cheapest.
Marriage, kids, a mortgage, maybe a business. This is when the questions get bigger — how much life insurance the family needs, what happens if the income stops, and retirement savings get serious.
The peak earning years. Forgotten 401(k)s get rolled over, annuities start making sense for guaranteed income, and the little-known strategies — premium financing and more — come into play.
What you leave behind matters more than what you made. Generational wealth strategies, trusts and wills in order, and final expenses handled so nobody comes out of pocket.
The reason behind the work
I wasn’t always in this business — I was an international DJ, a music producer and songwriter. When the pandemic ended my music career, what carried my family through was my father’s trust. My father, Jesse C. Tolbert MD, had done the quiet, unglamorous work of planning ahead — and when the storm came, that plan held us up. I prayed for a path with no ceiling and a way to do for other families what my father’s planning did for mine. The door that opened was insurance — done right. That’s what my wife Sheila and I build at TFG: planning that holds families up.
— Chuck Tolbert, Licensed Financial Professional
🛡 BUILD WEALTH. PROTECT YOUR FUTURE. CREATE A LEGACY.
Book a complimentary Strategy Call. We'll look at where you are, find the gaps, and build your defense — no separate planning fee, no pressure.
☎ (728) 242-3597
TFG does not charge a separate fee for the insurance analysis and strategy process. Premiums go directly to the carrier, never to TFG. TFG is compensated by the carrier when coverage is placed.
STATEMENT OF CLARITY
The foundational bedrock of a high-integrity financial partnership. Please review these disclosures carefully.
For questions about these disclosures, contact support@tolbertfinancialgroup.com or call (728) 242-3597.