About TBG West

“TBG West’s success in the disability insurance industry is attributed to outstanding client service and attention to detail. All of our employees at every level are considered Client Service Representatives. We are vigorously committed to a standard of excellence that is not surpassed anywhere in the country. Our operating philosophy is simple: We are a team.”

– Fred Howarth, TBG West’s Principal and Founder

TBG West

Informed Solutions for Your Challenges

Depth of Expertise

Our employees – many of whom are individually licensed – are dedicated exclusively to the products which we enroll.
Our U.S.-based (Southern California) office has toll-free support lines staffed 12 hours each day.

Disability

Our focus is on meeting the disability income replacement needs of the highly compensated. We have extensive experience enrolling plans of mandatory as well as voluntary participation, including individual disability, group short-term disability, group long-term disability, and Lloyd’s of London. Unlike many brokers, we also have expertise in administering medically underwritten coverage, without which some of the higher insurance limits are simply not attainable.

Long-Term Care

Increasingly, consumers are becoming aware of their need for such insurance, especially in view of the limited number of carriers which continue to offer such coverage today. Furthermore, LTC plans are highly tax-favored, and can be used to offer key executives additional post-retirement benefits.

Life Services

We have implemented group term life insurance plans with well-regarded companies such as Prudential, The Standard, and Unum, and we have a long track record of partnering with other brokerage firms to offer Group Variable Universal Life (GVUL) plans as well.

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Let’s talk today, if you have questions or would like to learn more.