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Protect Your Wealth & Your Legacy

Annuities & Risk Management

Why Insurance?

The primary purpose of insurance is to reduce financial uncertainty and make financial loss manageable. Without adequate formal insurance, you would have to bear the cost of financial calamities such as loss of home, auto damage, or serious illness.

These extraordinary expenses could demolish your household finances and derail the accomplishment of your personal goals and dreams. As an independent insurance agent, we do not work for any specific insurance company or provider and offer services through our insurance affiliate, we work for you, our client.


Risk Management Products We Offer

Explore our comprehensive risk management solutions or contact a broker to inquire about a custom solution.

Term Life Insurance

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A term life insurance policy is the simplest, purest form of life insurance : You pay a premium for a period of time – typically between 10 and 30 years – and if you die during that time a cash benefit is paid to your family (or anyone else you name as your beneficiary).

Term life is typically less expensive than a permanent whole life policy – but unlike permanent life insurance, term policies have no cash value, no payout after the term expires, and no value other than a death benefit. To keep things simple, most term policies are “level premium” – your monthly premium stays the same for the entire term of the policy.

Variable Universal Life Insurance


Variable universal life (VUL) is a type of permanent life insurance, meaning the policy stays in force as long as you’re alive and continue making the necessary premium payments. It also contains a cash value component that is invested in your choice of multiple sub-accounts. If the cash value is large enough, you can use it to pay your premiums. You can also withdraw funds or borrow against the cash value.

Another feature of VUL insurance is that you can increase or decrease the policy’s death benefit to match your current coverage needs, within certain parameters. This means your premium payment can be adjusted up or down as well.

Whole Life Insurance


Whole life insurance is a permanent life plan that provides coverage throughout your entire life. The premiums tend to cost more than a term plan would, but getting this insurance plan may be beneficial in the long run.

The whole life insurance cash value usually ends up being high, but payments grow in a tax-deferred account at an established rate. The premiums won’t change over time and the death benefit is certain, regardless of the time frame. In this sense, the policy functions as an investment and the death benefit payout usually reflect this. Typically, the death benefit in a whole life insurance plan yields a large outcome.

Health Insurance


Health insurance policy is an assurance which provides immediate financial help in case when any medical emergency arises. It is a contract between a policyholder and the insurance company which covers medical expenses that might occur due to illness, injury or accident.

If you have a health insurance policy, then some or all the medical expenses will be borne by the insurance company, against which an insured is supposed to pay a certain amount known as premium.

Universal Health Insurance


If you’re in the market for a life insurance policy with lifelong coverage, universal life insurance might be the right choice for you. Universal life insurance allows you to tap into the policy’s cash value and will give you the flexibility to adjust your premium payments.

Universal life insurance is a type of permanent life insurance that offers the ability to adjust your premium payment amounts (within certain parameters). Indexed universal life and variable universal life insurance also offer the chance for larger cash value growth.

Disability Insurance

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Disability insurance is designed to protect your income by replacing a portion of your paycheck if you're ever too sick or injured to work. It lets you rest easy knowing that your expenses will be covered, keeping your lifestyle intact and your financial plan on track so you can focus on getting better.

Asset Based Long-Term Care


Asset-based long-term care insurance is a life insurance policy. Normally, life insurance pays a death benefit to your beneficiaries when you pass away. This money can then be used to pay for funeral and burial expenses. Also, it can cover day-to-day living expenses for your loved ones, wipe out debts, or meet other financial needs.

With an asset-based long-term care policy, you can accelerate your death benefit payout. You can tap into benefits from the policy to pay for long-term care if the need arises.

More Services


At The Spaventa Group, we're not just another financial services provider, we aim to be your catalyst for unparalleled growth and innovation.

We've crafted an exclusive suite of offerings that seamlessly blends the stability of traditional investments with the exhilarating potential of specialized alternative assets. 

Investing Opportunities
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TSG Insurance Services

A subsidiary of The Spaventa Group, TSG Insurance Services LLC (“TSGIS”) is a licensed independent insurance agent focusing predominantly on risk management.

TSG Insurance Services provides a suite of risk mitigation products, working with several insurance companies to ultimately match you with insurance products to incorporate within your financial portfolio.

Our company also offers insurance products and strategies exclusive to businesses and professionals, some of which may provide substantial tax deductions*.


Whether retirement is just around the corner or decades away, an annuity can be a smart way to set yourself up for a better retirement and guarantee you’ll have regular income for the rest of your life.

Fixed Tax Deferred Annuities


The major advantages to a tax-deferred annuity are accumulation and security.

By putting off taxes until retirement, your annuity portfolio can use that money to maximize its returns. And then, in retirement, you receive a guaranteed income for life. 

Fixed Equity Indexed Annuities


Fixed index annuities or FIAs are a type of annuity contract that provide investors with the potential for growth, while offering 100% downside protection, and the ability to turn retirement assets into lifetime income through annuitization.

The interest credited to FIAs is linked to the performance of an external index, such as the S&P 500®, but your principal is protected from losses in the index. You also have the ability to allocate some or all of your money to a fixed account that earns a guaranteed interest rate.

Variable Annuities


A variable annuity is a tax-deferred retirement vehicle that can increase or decrease in value, depending on how financial markets perform.

A variable annuity is also an insurance product, so it provides many important features such as a death benefit, lifetime income, and optional living benefits.

  • Restricted Property Trust
  • Group Life Insurance
  • Split Dollar
  • Group Health & Group Disability Insurance
  • Key Man Insurance

How it works

We pride ourselves on relationships. 

When starting your investment journey, we believe in beginning with a conversation that allows us to get to know you and, more importantly, gives you the opportunity to get to know us.

Whether you have a simple question or would like a quick introductory discussion, speaking with one of our team members is the best way to understand how we can add value to your financial journey and help you achieve your goals.

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Complete our contact form

If you have simple questions or inquiries and are considering us for the future, please fill out our contact form to get in touch with us.

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Introductory Discussion

If you are actively seeking a new financial partnership or are interested in one of our financial programs or investment products, we encourage you to schedule an introductory consultation with our team.

Our Advisors Are Here to Help

Get matched with an advisor who gets you—someone who sees your big picture and can help you make smart choices with your money. 

Your Advisor will help you assess your insurance needs in light of a broader approach called “Risk Management.” Risk is a way of life. If managed properly, risk can be handled with relative ease.


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Drew Spaventa, CEO & Founder
The Spaventa Group


Evolve Your Wealth

Our commitment and dedication to our LPs, clients, colleagues, and partners is unmatched in the industry. We look forward to the opportunity of establishing a long-term, successful relationship with you.

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