What Is The Chaulk Board?
Founded in 2015 by CEO Christopher Chaulk, The Chaulk Board is a distinctive community of insurance agents and agencies. TCB has partnered with nearly 40 top-rated insurance companies empowering our agents to create custom-built coverage tailored to each specific need. TCB’s diverse portfolio ensures quality service, budget-friendly programs, and reliable products for the entire country. We believe affordable policies create clients for life, and strong referrals for our agent force. We solve problems families don’t even know they have without charging extra for personalized service. TCB is committed to leave each family in America in a better position than when we found them, clients and agents alike.
What We Do
If you want to learn more about us, you’re in the right place. Read below to learn more about our services and what we do for our clients every single day.
When a loved one passes away, it brings emotional pain with it. With TCB's Final Expense portfolio, we have plans designed to prevent, or offset, the financial pain that is associated with death. Our agents and associated agencies are able to use our strong portfolio to help their clients prepare for this difficult time. These plans are available in a range of benefit amounts to ensure every budget can be met. The extreme diversity of our portfolio empowers TCB agents to find the best coverage for our clients, regardless of their current health challenges.
The Death Benefit of a life insurance policy is the amount loved ones will receive from the insurance policy upon death. The flip side to this is Living Benefits. The Living Benefits of life insurance allow the policy owner to access cash while still living. A Living Benefit enables the policy owner to apply for an advanced payment of the death benefit during the lifetime of their policy term. This coverage can help offer peace of mind and loss of income at a critical time. Insureds receive the benefits before death for a qualifying chronic, critical or terminal illness. Insurers offer anywhere from 25 to 100 percent of the death benefit as an early payment. These benefits are not subject to federal income tax. (Some states have laws, regulations or rulings concerning taxability. You should consult a tax advisor or your state's tax department for specific information concerning state income tax laws.)
Indexed Universal Life
Indexed Universal Life (IUL) is the fastest growing type of life insurance available today. An IUL is permanent life insurance that provides a tax-free death benefit. This flexible form of life insurance allows clients to choose their coverage and premium they prefer to pay. It also allows them to make policy changes as their needs may evolve. IUL policies build cash value over time. This cash value can be available for, education expenses, to supplement retirement income (tax-free), an emergency or they can simply allow this asset to grow on a tax-deferred basis. Properly structured policies can also provide tax-free retirement income.
Mortgage Protection is purchased to protect a client's biggest investment, their home. This protection can be designed to pay off a mortgage in part or in it's entirety. Mortgage Protection plans are designed to provide a death benefit, a cash-payout for chronic, critical or terminal illness, and can even include a return of premium. Optional riders such as child or spouse insurance, disability income, and return of premium are available in most states. Return of premium riders refund ALL premiums invested (less the cost of riders) at the end of the term if the death benefit is unused. Mortgage Protection is custom designed to fit each client's unique needs and budget.
An Annuity is a long term investment issued by an insurance company designed to help protect you from the risk of outliving your retirement income. Fixed Index Annuities provide growth opportunities without the risk of loss involved with most investments. Whether protecting existing funds from market loss, saving for retirement, providing a consistent stream of lifetime income or securing an increasing death benefit for your loved ones, a Fixed Index Annuity can be a very attractive option. Funds accumulate on a tax-deferred basis and are quickly becoming the preferred method of retirement planning.These contracts are even available with ZERO fees!
Partnered with top insurance companies in the marketplace today, TCB provides agents and associated agencies a diversified and comprehensive portfolio. This portfolio includes Term, Whole & Indexed United life insurance products at extremely competitive pricing. Exclusive partnerships and proprietary products guarantee every single household in America can get protection regardless of their health or age and leaves no family behind!
The Chaulk Board has positioned itself with the most diverse and unique insurance portfolio in the market today. Ranging from household names to very rare and select programs, we have the right tool for every job.Whether you need Term Insurance to protect a specific timeframe, Final Expense coverage for a loved one, Mortgage Protection to ensure that home is always home, or some Advanced Market assistance with Annuities or Indexed Universal Life, we have the proper strategy and product to assist you.
How can we help you today?
Fill out the request for a free consultation from one of TCB’s local agents today!
Let TCB help you find the right program for your specific needs!
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The success of our agents is our number one priority. One way that TCB provides support to our agents is our Lead Program. At TCB we have eliminated the agents biggest problem, which is finding qualified prospects. Our exclusive and unique leads are available for purchase to all TCB agents and affiliated agencies.
Client Referral System
There is more than one way to prospect. For those people who prefer warmer prospects, or perhaps those that do not have a large lead budget, TCB offers the ability to prospect free of charge using our Client Referral System. We will teach you first hand how to get referrals from each and every client, prospect, or lead.
100% FREE Smart Knock Leads
If you are looking for the absolute lowest cost to start your business, here it is… 100% free of charge, TCB provides “Smart Knocks” to our agents. With Smart Knocks, you can go to dozens of people per week and provide them your services. We can tailor fit these prospects within many parameters including age, income, mortgage status, marriage status, potential credit scores… and many more filters. Totally free prospects for every TCB agent.
Competitive Compensation Plan
TCB is a balanced organization and the same goes for our compensation which is among the industry’s highest. We not only offer competitive compensation but we do so while maintaining a straightforward commitment to agent growth. We have learned from experience that companies either keep agents at “low” compensation to earn a large override or offer “high” compensation at the cost of training and mentorship. TCB’s commitment is to balance that ship and support a sustainable model with our agency-friendly promotion guidelines being the key to healthy growth.
Vested Renewals Day 1
We believe that every agent owns their business, and their book of business. TCB passes all of the agent renewal where they belong… directly to the agent who earned them!
TCB Promotion Guidelines
TCB believes that every single agent matters. We also believe that every single dollar matters when it comes to our agent’s profitability. Any TCB agent has the potential to grow a very large agency with our unprecedented 12 Recruiting Ranks. Thats right… TCB provides enough levels for you to hire an astounding 12 generations of agents within your hierarchy!
TCB National Sales Call
Every Friday morning at 11am EST
Our training call is just that… TRAINING! No Fluff allowed in this high impact, 60 minute dose of education. Sales concepts, the psychology of selling, and many other lessons are taught here weekly. They are optional, but highly recommended for your success.
Every Friday (when available, check weekly schedule for times) TCB hosts optional webinars designed to not only teach our agents about each product that they need to know, but also how to use them. We take training very seriously here at TCB, because no one gets better without training and education.
TCB University is a collection of training modules, calls, audios, videos, and webinars that were created for the sole purpose of helping agents become better at serving their clients. TCB also provides real world training as well (field training where available, local meetings, etc) to ensure the success of each and every TCB agent.
The Chaulk Board offers the opportunity for our agents and partnered agencies to send real time messages to our company CEO as well as the VP team if an agent needs assistance with client underwriting. We provide an incredible underwriting quick reference guide to assist in the home and promote more successful field underwriting. The TCB forum is a great place to obtain forms and underwriting info on the go, and the TCB Agent Portal is jammed full of live dial recordings, previously hosted calls, videos, webinars, and other amazing content.
License Coach Licensing Class
ALL TCB members and their downline agents can use this licensing course for $19.99 with our special code.
TCB is Still Growing
Thanks to our culture, and our expanding community of agents and associated agencies, we are looking into the future with a bright outlook. With every agent that joins our family, we are one person closer to completing our mission… saving this world from financial devastation, one community at a time.
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