Business Details
34 Years
experience
Trusted Insurance and Retirement Planning Services in Atlantic City, NJ
Hines Life Insurance has been dedicated to meeting the financial protection needs of families since 1992. Our mission centers on providing life insurance as a critical safeguard against income loss due to health crises, workplace injuries, or unexpected death. We prioritize building enduring client relationships through personalized service, offering tailored solutions in term, whole life, and universal insurance policies. Our expertise extends to annuities, 401k/403b rollovers, and retirement planning, supported by a team of licensed professionals operating across 21 states.With a focus on safe money principles, tax reduction strategies, and wealth-building guidance, we deliver quality products backed by partnerships with leading carriers like Transamerica and American Equity. Our commitment to client education ensures informed decisions for long-term financial security.
Services
Life Insurance
Health Insurance
Medicare Supplements
Retirement Planning
Annuities
401k Rollovers
Details
- Year established: 1992
Highlights and features
- We offer 30+ years of experience in life insurance and retirement planning.
- Our agents hold licenses in 21 states and specialize in tax-efficient strategies.
- We provide personalized service with a focus on long-term client relationships.
- Our expertise includes annuities, 401k rollovers, and safe money principles.
- We partner with top-rated carriers like Transamerica and American Equity.
Services
Life Insurance
We offer term, whole life, and universal insurance policies designed to protect families against income loss from unexpected death. Our plans provide financial security for dependents, debt coverage, and estate planning support. Policies are tailored to individual needs with flexible premium options.
Retirement Planning
Our retirement services include 401k/403b rollovers, IRAs, and annuities to build tax-deferred savings. We help clients optimize Social Security benefits, manage investment risks, and create sustainable income streams. Strategies focus on long-term growth and tax efficiency.
Medicare Supplements
We provide Medicare Part B and Part D plans to cover out-of-pocket healthcare costs. Our supplements address prescription drug coverage, hospital stays, and specialist visits. Plans help reduce medical expenses for retirees while maintaining access to preferred providers.
Annuities
Our annuity products include fixed, indexed, and variable options for guaranteed income. We offer American Equity Asset Shield 5 and similar plans with diversified index strategies. These tools help clients preserve capital while participating in market growth.
401k Rollovers
We facilitate tax-free 401k/403b rollovers to IRAs or new employer plans. Services include plan analysis, fee comparisons, and investment reallocation. Our goal is to maintain retirement savings growth while minimizing tax liabilities during job transitions.
People
TJ Hines
Broker/Owner
TJ Hines holds life and health licenses in 21 states, along with real estate and notary certifications. With 30 years at H&R Block, including management roles, he specializes in tax reduction and wealth protection strategies. He earned a BA in business management from Stockton University.
Questions
What types of life insurance do you offer?
We provide term, whole life, and universal insurance policies tailored to individual needs, including coverage for income protection, debt, and estate planning.
How can I choose the right Medicare supplement?
Our agents analyze your healthcare needs and prescription usage to recommend plans covering out-of-pocket costs, including Part B and Part D options.
Do you help with retirement account rollovers?
Yes, we assist with tax-free 401k/403b rollovers to IRAs or new employer plans, ensuring continued growth and tax efficiency.
What retirement planning services are available?
We offer IRA setup, annuity selection, Social Security optimization, and income stream strategies to create sustainable retirement plans.
Are your annuity products guaranteed?
We offer fixed and indexed annuities with principal protection, including American Equity Asset Shield 5, which provides diversified market participation.
