Services 2019-04-30T20:31:16+00:00


Tower Financial Group understands and anticipates the changing insurance and financial environment which allows us to be a true consultant in helping you meet your goals. We strive to build long term relationships based on the highest levels of service, integrity and professionalism.

Individuals and Families

When assisting individuals and families we know the importance of taking the time to ask questions so we can better understand:

  • Personal Concerns
  • Specific needs
  • Particular goals

At Tower Financial Group this allows us to address:

  • Insurance needs
  • Estate Planning concerns
  • Policy portfolio reviews
  • Risk Mitigation strategies


The professionals at Tower Financial Group understand the challenges faced by business owners, entrepreneurs and executives. Our experience allows us to provide innovative solutions to many types of issues; including:

  • Buy/Sell Arrangements
  • Insuring Key Executives
  • Disability Insurance
  • Life Insurance Policy Review

Financial Advisors & Independent Agents

Our founder, Robert W. Kirby, Jr., CLU has over 25 years of experience consulting with Financial Advisors and Independent Life Insurance Agents to provide innovative solutions and top tier products to the best clients of these professionals. His unique perspective allows Tower Financial Group to comfortably consult with these Financial Advisors and their clients

The services Tower Financial Group provides to these professionals include

  • Needs Based Insurance Planning
  • Estate Planning
  • Life Insurance Policy Reviews
  • Asset Preservation Strategies
  • Legacy Planning

Property Casualty Agencies

Our agency serves as the turnkey life insurance, disability and long term care insurance concierge for property casualty agencies. The unbiased multi company quoting platform and over 25 years of experience gives us a unique sense of how to navigate the nuances of assisting you in this area. We partner with independent agents to implement a unique account rounding marketing program (AgencyMaxx) to build a robust department within the agency that provides a valuable service to your clients.

Let us know if you are interested in more information on the AgencyMaxx Program

Contact Us About AgencyMaxx

Physician Financial Partners

We are a member of the AMA Insurance Agency’s (AMAIA) Physician Financial Partners program. This is a nationwide network of approved financial professionals with the knowledge and products specifically designed to meet the needs of physicians. Physician Financial Partners is a proprietary program that helps physicians find the right professional, with customized comprehensive physician-only solutions to reach their goals.

Physician Focused Products and Services

  • Insurance Consulting
  • Life Insurance
  • Disability Insurance
  • Long Term Care Insurance
  • Wealth Transfer Planning Strategies
  • Risk Management
  • Vetted Experienced Committed

Every Physician Financial Partner has passed AMAIA’s stringent process of due diligence and screening to ensure that those affiliated with the program are truly and elite group of professionals qualified to address the unique needs of physicians.

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Student Accident Insurance

Tower Financial Group designs and implements custom Student Accident and Special Risk coverage plans. Our clients include public and private schools, camps, tournaments and leagues. With over 15 years of experience in this specialty we know how to tailor plans to meet budget and coverage needs.

Our plans include accident medical coverage for:

  • Interscholastic Sports
  • Gym Classes
  • Intramurals
  • Catastrophic Coverage
  • Voluntary Student Accident

We provide coverage for:

  • Summer Camps
  • Public School Systems
  • Private Schools
  • Universities
  • Nursery Schools
  • Coaches, Directors General Liability Plans


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We work as a single united team with market leading firms around the world and give our clients the highest quality advice possible.