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Major Life Events

There is a limitless amount of possibilities when it comes to major life events. Having the right insurance to protect you and your loved ones from the unforeseen hardship is a critical party of any financial plan. The team at Total Resource Financial can help you develop that plan and find coverage that provides you with confidence. We offer a variety of services and years of experience to guide you through this journey. 

We help clients in our home in Florida, as well as other states. Our local clients include residents in the following counties: 

  • Hillsborough County
  • Pasco County
  • Pinellas County
  • Polk County
  • Manatee County
  • Sarasota County
  • And many more!

Insurance Services

The right major life events insurance coverage is essential to any comprehensive financial plan. If tragic events like death, disability, or critical illness strike, insurance can protect you and your family from undue hardship. Regardless of how much time or money you spend building your investments, one unfortunate event can quickly erode their value if you don’t have an appropriate insurance plan in place.

As you walk the different stages of your life, your insurance needs follow close behind. That term-life policy you purchased when you had your first child may not cover you and your spouse's current income anymore.

We want to learn more about your story and walk you through different what-if scenarios to determine:

  • What's important to you and your family
  • If you are paying for insurance you no longer need
  • What kind of coverage you currently need and for how long

We will then help you select coverage from a variety of insurance options to meet the needs identified in your evaluation.

Life Insurance

Dealing with the consequences stemming from the end of your life is already trying enough for your loved ones that you leave behind. Ensuring that undue financial hardships resulting from outstanding medical bills, debt, funeral services, and other unforeseen consequences don’t throw your family into disarray requires a strong financial plan.

Taking out a life insurance policy helps your family in a myriad of ways, including:

  • Providing a death benefit when you need cash most
  • Potential creditor protection when properly structured
  • Favorable tax treatment

Long Term Care, Disability & Critical Illness

As you enter into your twilight years, the chances of needing insurance for a major life event, such as needing a long term care facility, disability insurance, and dealing with a critical illness, increases. By having insurance in place to help you deal with these unexpected life events, you can ensure that your quality of life remains intact.

Some ways that having long term care, disability, and critical illness insurance can help you include:

  • Protecting your income from unexpected events
  • Maintaining financial independence and lifestyle in the event of disability
  • Covering home/business expenses during disability
  • Home-care coverage during illness and recovery periods


Transitioning from a work-sponsored insurance plan to Medicare is an insurance-based major life event that comes for everyone. The transition can cause some confusion as to which parts of Medicare cover which medical expenses and how each component impacts your life differently.

Some of the facets of Medicare coverage that we can help clarify for you include:

  • Medicare Supplements
  • Medicare Advantage plans (HMO, PPO, etc.)
  • Prescription Drug Plans

Total Resource Financial offers a variety of services for our clients across the country, and the  Florida residents in our backyard, including those in Hillsborough, Pasco, Pinellas, Polk, Manatee, and Sarasota counties, that can help you plan your insurance for major life events. Our services include:

If you are in need of an insurance coverage review contact us at or 813-571-1233 to schedule a consultation.

If anyone depends on you or your income, you need an insurance plan.