Secure
Your Future
Protecting Your Loved Ones with Reliable Life Insurance Solutions
Our Mission
At T. Smith Consulting Group, our mission is to help individuals and families protect what matters most by providing reliable, personalized life insurance solutions, including term life, whole life, and final expense coverage. We’re committed to making the process simple, transparent, and tailored to your unique needs, so you can move forward with clarity and peace of mind.
Coverage
Tailored coverage designed to protect what matters most — your life, your loved ones, your legacy
Term Life Insurance
Our affordable Term Life Insurance offers a death benefit for a specified term, ensuring your loved ones' financial stability in case of any unfortunate events.
Universal Life Insurance
Protect your family's future with our Universal Life Insurance — flexible lifelong coverage with the potential to build cash value over time, giving you more control over your financial security."
Whole Life Insurance
Secure your family's future with our Whole Life Insurance, providing lifelong protection and a cash value component for added financial security.
Life Insurance Retirement Plans
Flexible, lifelong protection with growth potential. Life insurance retirement plans provides coverage that lasts a lifetime, while allowing you to build cash value tied to market performance, with downside protection
Testimonials
Ebony Durden - 13.03.2025
Getting life insurance is hard enough, knowing what it’s for! But we know it’s a must have! Mr. Smith made this process very smooth and answered every one of my a billion and one questions lol very patient and professional. I really appreciate you, and thank you for getting the world on board with planning ahead!!
Beverly Markel - 12.11.2024
Ty was very respecting helpful and explained everything to the fullest I am very pleased and happy that he stopped by and help me get life insurance he is the best and I'm very very pleased with his service that he helped me with explained everything detail good man
Chanell Conklin - 11.11.2023
I truly loved the way he took his time to explain everything to my husband and I. He did not rush us to make a decision. He gave us several options to choose from. I was so impressed that I had him to set up an appointment with my parents. Thank you for your professionalism and dedication.
Frequently Asked Questions
Common Questions Answered for your convenience.
What’s the difference between Term Life and Whole Life Insurance?
Term Life Insurance provides coverage for a set period of time (e.g. 10, 20, or 30 years) and typically has lower premiums. It’s ideal for temporary needs like income replacement or mortgage protection. Whole Life Insurance lasts your entire lifetime and includes a cash value component that grows over time. It’s more expensive but offers lifelong coverage and financial growth.
What is Final Expense Insurance?
Final Expense Insurance is a type of Whole Life Insurance designed to cover funeral costs, medical bills, and other end-of-life expenses. It’s typically affordable, easy to qualify for, and doesn’t require a medical exam in most cases.
Do I need a medical exam to qualify for life insurance?
It depends on the policy. Many Final Expense and some Whole Life policies do not require a medical exam, just a few health questions. Term Life policies may require an exam depending on your age, coverage amount, and health history.