# Term Insurance Brokers > Independent insurance brokerage founded in 1979, licensed in 38 states plus Washington DC. Three-generation family business (Goldenzweig insurance tradition since 1946) specializing in life, disability, Medicare supplement, long-term care, annuities, group benefits, dental, and health insurance. Based in Las Vegas, Nevada, serving clients nationwide by phone and online with no fees. ## About Term Insurance Brokers (TIB) is an independent brokerage representing 40+ top-rated carriers. Co-owners David Goldenzweig and Jason Goldenzweig are licensed insurance brokers who serve clients through consultative phone and online channels. The firm was founded in 1979 by Michael Goldenzweig, who followed his father's insurance career that began in 1946. Key facts: - Founded: 1979 - Family insurance tradition since: 1946 (three generations) - Licensed in: 38 states + Washington DC - Main phone: 1-888-972-0024 - Email: info@terminsurancebrokers.com - Business model: Independent brokerage, commission-paid by carriers (no fees to clients) - Specialty: High-risk and complex-case underwriting - [About TIB and the Goldenzweig Financial Group](https://terminsurancebrokers.com/about-tib/): Company history, advisor bios, credentials, and family insurance legacy - [Contact us](https://terminsurancebrokers.com/contact-us/): Phone, email, and direct lines for each advisor ## Life Insurance Term, whole, universal, and final expense life insurance. TIB specializes in high-risk life insurance including coverage for pre-existing medical conditions. - [Life Insurance Hub](https://terminsurancebrokers.com/life-insurance-answers/): Main resource for all life insurance topics - [Term Life Insurance](https://terminsurancebrokers.com/life-insurance-answers/life-insurance-basics-101/term-life-insurance/): Coverage for set periods (10, 15, 20, 25, 30 years) - [Whole Life Insurance](https://terminsurancebrokers.com/life-insurance-answers/life-insurance-basics-101/whole-life-insurance/): Permanent coverage with cash value and fixed premiums - [Life Insurance Without a Medical Exam](https://terminsurancebrokers.com/life-insurance-without-medical-exam/): No-exam and accelerated underwriting options up to $5M - [Final Expense / Funeral Insurance](https://terminsurancebrokers.com/life-insurance-answers/no-exam-required/final-expense-funeral/): Small whole life for burial costs - [How to Calculate Life Insurance Needs](https://terminsurancebrokers.com/life-insurance-answers/how-to-calculate-life-insurance-needs/): DIME method and coverage sizing - [Life Insurance Risk Classifications](https://terminsurancebrokers.com/life-insurance-risk-classifications/): Preferred Plus through Table ratings explained - [Get a Life Insurance Quote](https://terminsurancebrokers.com/quotes/life-insurance-instant-quote/): Instant quote from 40+ carriers ### High-Risk Life Insurance Coverage for applicants with health conditions, risky occupations, or underwriting flags. TIB has published 37+ condition-specific guides covering major medical conditions. - [High Risk Life Insurance Hub](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/): Main resource for health-impaired underwriting - [Life Insurance with High Blood Pressure (Hypertension)](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/hypertension/) - [Life Insurance After a Heart Attack](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/heart-attack/) - [Life Insurance After Stroke or TIA](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/stroke-tia-life-insurance/) - [Cancer Life Insurance Quotes](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/cancer/) - [Life Insurance with Diabetes](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/diabetes/) - [Life Insurance for Smokers and Tobacco Users](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/smokers-life-insurance/) - [Life Insurance with Obesity](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/obesity/) - [Life Insurance with Mental Health Conditions](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/mental-health-life-insurance/) - [Life Insurance with Bipolar Disorder](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/bipolar-disorder/) - [Marijuana Life Insurance](https://terminsurancebrokers.com/life-insurance-answers/high-risk-life-insurance/marijuana/) ## Disability Insurance Individual disability insurance (DI) protects earned income when illness or injury prevents work. TIB sister site DoctorDisabilityQuotes.com specializes in physician and medical professional DI. - [Disability Insurance Hub](https://terminsurancebrokers.com/disability/): Individual DI for professionals and self-employed - [Disability Insurance for Physicians (DDQ)](https://doctordisabilityquotes.com/): Specialty DI for doctors, surgeons, dentists, and medical residents ## Medicare Supplement Insurance Medigap plans covering out-of-pocket gaps in Original Medicare (Parts A & B). Plans are federally standardized — Plan G and Plan N are the most popular. - [Medicare Supplement Hub](https://terminsurancebrokers.com/medicare-supplement-insurance/): Plan comparison, enrollment windows, pricing methodology ## Long-Term Care Insurance Traditional and hybrid LTC policies covering nursing home, assisted living, and in-home care when chronic illness or cognitive decline prevents independent living. - [Long-Term Care Hub](https://terminsurancebrokers.com/long-term-care/): Traditional vs. hybrid policies, cost, age-based pricing, elimination periods ## Annuities Fixed, fixed indexed (FIA), and immediate annuities for retirement income and principal-protected growth. TIB does not sell variable annuities. - [Annuities Hub](https://terminsurancebrokers.com/annuities-hub/): Fixed rates, FIA income riders, surrender periods, tax treatment ## Health Insurance Individual and family health insurance through the ACA marketplace and direct carriers. - [Health Insurance Hub](https://terminsurancebrokers.com/health-insurance/): Plan tiers, marketplace enrollment, carrier comparison - [Get Health Insurance Quotes](https://terminsurancebrokers.com/quotes/health-quotes/): Individual and family health plan quotes ## Group Benefits for Employers Employer-sponsored group health, dental, vision, life, disability, and voluntary benefits. Available for employers with as few as 2 employees. - [Group Benefits Hub](https://terminsurancebrokers.com/groups/): Employer group insurance solutions ## Dental and Vision Insurance Individual and family Spirit Dental & Vision PPO plans with no waiting periods, $100 lifetime deductible, and Ameritas Dental Network access. - [Dental & Vision Hub](https://terminsurancebrokers.com/dental-vision/): Spirit Dental plan details, network coverage, vision benefits ## Insights and Resources - [Blog and Updates](https://terminsurancebrokers.com/blogs-and-updates/): Regular posts on underwriting, carrier updates, and insurance planning topics ## Contact - Phone (main): 1-888-972-0024 - Jason Goldenzweig (direct): 703-915-1079 — Medicare, life, disability, annuities - David Goldenzweig (direct): 703-943-9056 — Long-term care, group benefits, health, annuities - Email: info@terminsurancebrokers.com - Fax: 1-888-603-4637 - Location: Las Vegas, Nevada - Service area: 38 states + Washington DC (phone and online, no in-person meetings required)