TBS uses its large client base, financial strength, and expertise to negotiate the most competitive rates and effective products for our business and its employees.

Permanent Life with Long Term Care

• Guaranteed Death Benefit to age 120

• Long Term Care Benefit for up to 3 times the Death Benefit

• Guarantee Issue for Employees

Critical Illness

• Lump sum benefit directly to the employee upon the initial diagnosis of such critical illnesses as; cancer, heart attack, stroke, major organ transplant, and end stage renal failure

• Benefits are paid regardless of any other insurance coverage


• Covers a wide range of injuries

• Benefits are designed to pay directly to the employee to help pay for high out-of-pocket costs that may not be covered by traditional medical insurance

• Available for On & Off the job accidents, or off the job only accidents

TBS Lifestyle Advantage Discount Program*

*TBS Proprietary Product

• Telemedicine

• ID Theft

• Legal

• Roadside Assistance

Group Life & Disability

• Short Term Disability

• Long Term Disability

• Group Life


• Home & Auto

• Purchasing Cooperatives

• Pet Insurance

Contact Us

Call Us

3402 73rd Street, Suite F \ Lubbock, TX 79423 \ 1.888.783.9653