TBA Brochure

RESPONSIVE
EFFICIENT
ACCESSIBLE
SOLUTIONS
Your Insurance Support Team
Since 1959

In the absence of value,
price is the only concern.
- Unknown

Our Story
Tennessee Brokerage Agency (TBA) was founded in 1959 by Col. John William “Bill” Felton III. Those who fondly
remember Bill know that he was a true gentleman and patriot. He was a man who loved and served his country
with pride and embodied a deep and long-standing passion for the insurance industry. He was a mentor to financial
advisors and their clients; helping them understand what one could accomplish in their lives and for their families
using insurance. Bill served on numerous boards and was a prominent member of community organizations
including the Rotary Club of Knoxville, where he was awarded Rotarian of the Year. He was a true patriot, and as
such, founded the East Tennessee Veteran’s Memorial to honor those who served, loved, and died for their country.
What this means to you and your clients is that you are working with an insurance firm that is built on character
and a legacy of serving others. We step up to the plate when it comes to helping people and consider it
a privilege to be a part of protecting your clients’ lives, families, and businesses. With Bill’s passing in 2011,
TBA’s legacy and values continue to be carried on by his son and TBA President, John W. Felton, IV, and the
entire dedicated TBA support team. As president of TBA, a position he has held since 1996, John continues
the family legacy of community service. He has served on numerous local and insurance association boards
as well as civic and social organizations. He is a past-president of the National Association of Insurance and
Financial Advisors for the Tennessee and Knoxville Chapters, a former LIFE Foundation Board Member,
and Past Chairman of the National Association of Independent Life Brokerage Agencies (NAILBA).
We look forward to serving as your insurance support team.
Col. John William “Bill” Felton III, Founder
December 27, 1932 - June 21, 2011
John W. Felton, IV
President
Friendliness, integrity, and knowledge are a few of the expectations all found at TBA. Everyone at TBA is very
friendly and always willing to assist us. The staff is professional and responds to us in a timely manner.
The team at TBA goes above and beyond our expectation which has created a great working relationship.
- Vickie Neal, Wilson, NC

Our Promise
Our promise at TBA is to serve as “Your Insurance Support Team.” What this means is we do what we say we
will do for you and your clients. We are problem solvers; meaning that when you ask us a question or have a
client’s insurance or risk management need to solve, we are responsive, attentive, and always follow-through. We
are known not just for our knowledge and technical expertise, but for our honest, straight-forward and personal
approach. We are available when you need us and are an extension of your team.
Our Focus
• Estate Planning and Wealth Transfer
• Business Continuation
• Deferred Compensation and Executive Benefits
• Impaired Risk Underwriting
• Individual Life Insurance Analysis
• In-Force Policy Evaluations and Audits
• Disability Income Insurance
• Long-Term Care Hybrid Products
The Real Benefit to You
I know when I give TBA something it will be done right.
- John Majors, Knoxville, TN
The real benefit to you is the responsiveness, efficiency, and care we bring to your practice. Financial advisors and
professionals continually tell us that TBA is a true insurance partner. They appreciate the accessibility they have to
our team, our friendly, consultative approach, and the consistency in our processes. We are committed to helping
you grow and doing things right. We are renowned for solving the hard to place cases and bringing confidence and
accuracy to the insurance process.

Our Expertise
Product Research & Analysis
The case design team at TBA researches product
solutions across a wide spectrum of carriers and
provides tight, concise analyses and spreadsheets on
quotes, rates, and options. This allows you to focus more
of your time meeting with clients. We assess the most
competitive solutions for your needs as well as provide
alternative options to maximize your client’s resources.
Advanced Technical Expertise
Advisors who operate in business insurance, executive
benefits, estate planning, or other highly-technical
markets are directly affected by legislative and tax
regulations, both domestically and international. TBA
stays on the front lines of these regulations to help you
navigate the opportunities and challenges. We deliver
our deep knowledge and experience when clients are
faced with complex or impaired underwriting risks.
Point-of-Sale Support
Our leadership team is available to work with you during
client discovery meetings and to explain the different
options available to your clients. We will work alongside
you during client conversations or to be a resource to you
as case consultants. If you prefer to refer clients directly
to us to solve their needs, we will do so with the utmost
care, personal attention, and proactive communication
your clients expect from you. We are straight-forward
and honest in our approach and we treat each of your
needs with urgency.
Estate Planning
Generational Wealth Transfer
Wills and Trusts Review
Charitable Giving Strategies
Estate Tax Funding
Business Planning
Business Succession Strategies
COLI/BOLI Products
Executive Compensation
Business Overhead Insurance
Protection for Owner Disability
Equalizing a Family Business
Life Insurance
Existing Life Policy Analysis
Life Policy Evaluations & Audits
Special & Impaired Risks
Life Settlements
Disability Insurance
Individual & Supplemental Policies
Executive Carve Out
Long-Term Care Funding
Linked Benefit Hybrid Products

I have had the pleasure of working with Tennessee Brokerage Agency as my case manager for
several years. TBA is very knowledgeable and has a thorough understanding of procedures
necessary to make the underwriting process as easy as possible for the advisor. TBA provides
continuous updates of the underwriting status, and is always available to discuss any situations
or questions that arise. TBA is a pleasure to work with and always handles my cases in a
professional manner.
- Edward Owens, Knoxville, TN
Tennessee Brokerage Agency has been great to work with. They have a good grasp of what we
need and how to insure our clients. Wendy and the rest of the support staff are very responsive
and take care of any requests quickly and professionally. She keeps us completely informed of
each step while waiting for approval and handles any problems that arise. TBA makes our job
easier.
- Bill Thomas, Knoxville, TN

Understanding Your Business Model
Financial Planners, Investment Advisors, and Independent RIAs
Client retention and fiduciary responsibilities are paramount in your practice. Our team helps you further incorporate
risk management, business, estate planning, and insurance services for your clients, without diverting your focus.
We view ourselves as an extension of your team, helping you protect your clients’ assets, lifestyle, and future
financial security. First and foremost, we are honest and transparent with you. We are known for our reliability and
efficiency and become a trusted member of your back-office and case design team.
Independent Insurance and Career-Contracted Insurance Professionals
TBA helps you spend more time marketing and cultivating clients by quickly responding with the best possible
outcomes for your clients’ insurance and retirement income needs. We know that underwriting and service work
creates less time for growing your practice. Our value promise is serving as your insurance support team, providing
you with concise product analyses, point-of-sale support, advanced case design, solutions for impaired-risk cases,
and a review of wills and trusts to identify deficiencies. We help you audit in-force life insurance policies and advocate
for you with our product expertise, direct carrier relationships, and back-office administration.
TBA helps me preserve the trust I build with my clients. It makes me feel protected.
- John Hildreth, Knoxville, TN
Banks and Institutional Broker/Dealer Relationships
We partner with regional and local banks, independent broker/dealers, and other institutions to broaden their service
offerings. We deliver a platform of point-of-sale support and provide deeper, more responsive service for underwriting
and impaired risk cases. We provide portfolio balancing options for retirement income and longevity risk, and asset
protection due to a disability or extended illness. The real benefit is the options and support your affiliated partners
will have as they protect their clients’ wealth.

The support of our internal representatives at TBA has made the process of using multiple carriers much easier
for us to manage at our new business. The service at TBA is efficiently quick and the communication and
ongoing education are valuable assets.
- Nathaniel Hester, Knoxville, TN
Property and Casualty Professionals
We understand your operating environment in the property and casualty insurance space. Your market is faced
with more competition, commercial market saturation, and diminishing customer loyalty and retention. The lack of
time you have due to policy underwriting and service, creates less opportunities to expand in other revenue lines
for your business, leaving you to operate on leaner margins. We help you elevate and expand your business model
by providing in-depth knowledge and expertise with individual insurance products, point-of-sale support, timely
responses to your quotes, underwriting, and follow-through. We allow you to expand your business and become a
one-stop service model for clients.
Tax and Legal Professionals
Tax and legal professionals choose TBA as their lead insurance partner because of our follow-through, responsiveness,
and overall advanced technical knowledge. We help them further take care of their clients by providing additional
levels of consulting and expertise within their practice. The real benefit to you is the ability to broaden your services
with a local partner you can trust.
TBA keeps me moving forward with my day. I can request information and know I will get it and not have to prod
to get what I asked for. It helps me focus on my clients and their needs instead of administration.
- Chinita Montgomery, Grove City, OH

Additional Resources for Your Practice
One-Page Multi-Carrier App
Our one-page multi-carrier app makes it easier for advisors to submit their insurance applications. It takes much of
the administrative burden out of your hands and places it into the carriers’ hands. Once you submit the app to us,
we will interview the applicant, complete the application, and set up any applicable medical exams. Your client still
provides all the answers, but you have effectively outsourced the application completion to us, which reduces errors
and helps expedite the process.
Informal Application Process
For clients who may have an impaired health risk or special case, instead of just submitting the formal application
and waiting for a review from underwriting, we will submit the client’s information and medical history on your behalf
and send this out to our various partners and carriers for a preliminary review. This helps save time and provides
initial feedback faster for you and your client to make decisions.
TBA Mobile App
The TBA Mobile App was designed to give advisors the ability to be more efficient while away from their office. Our
app has all of the tools needed to close cases as well as process paperwork more efficiently. It can be downloaded
on your phone or tablet and is available for download for free from the app stores of Apple and Android. Our app
includes tools for instant term insurance quotes, our on-line application, needs analysis, licensing resources, or
options to direct dial a member of our dedicated support team.
Client Data Form
Our Client Data Form allows your clients to provide us with the most accurate medical and health information
confidentially, without you having to ask them. This results in more accurate quotes for your clients and a more
efficient process for you.
Educational Programs and Webinars
Our special educational events and webinars are designed to inform advisors on risk management concepts, client
cultivation opportunities, and product/industry updates. Our webinars are held on a regular basis and allow you to
stay informed and educated in the comfort of your own office.
TBA Resource Center
Our proprietary TBA Resource Center provides you with an on-line resource platform for marketing, sales, and
practice management tools and resources. The TBA Resource Center provides results-based resources and best
practices of advisors to help you grow your business.
Advisor / Agent Data Form
We make it easy for you to become licensed with our multiple insurance and product carriers by utilizing our Agent
Data Form. This allows us to collect your information at one time and help facilitate your appointment with multiple
carriers.

Tennessee Brokerage Agency
Your Insurance Support Team
Our purpose at TBA is to work with wealth managers and insurance advisors to help find opportunities for
their clients and deliver solutions that help protect their future. We help you fulfill your value promise and
enhance your services so you can spend more time with clients growing your business.
We do this by:
• Delivering marketing support and education that will help you uncover opportunities.
• Providing support and case design that will help you deliver the best solutions for your clients.
• Offering state of the art case management from beginning to end and extensive underwriting expertise
to get the best offer.
• Giving you accessibility via advanced technology including real time case status and email communication.
• Objectively representing the industry’s highest-rated insurance carriers and products.
We consider it a privilege to help families maintain their lifestyle after the death of a parent or guardian.
We help businesses continue in the absence of an owner or loss of a key employee. We help individuals
and their loved ones maintain their choices and independence when faced with a critical illness or period
of extended care. We help you protect your clients’ income throughout retirement, as well as protect their
savings and future earnings in the event of an illness, injury, or unexpected passing.
It is nice to know that you can count on — every time — the folks at TBA to come through for you. As a financial
professional, it’s valuable to know that TBA goes to bat for me and for my clients. It’s priceless.
- Donnie Speck, Battle Creek, MI

Anyone who dies without adequate
life insurance should have to come
back and see the mess they created.
- Will Rogers

www.TBA.com
800-624-4502
© Tennessee Brokerage Agency 2016