Business Details
34 Years
experience
Personalized Insurance & Retirement Planning
Hines Life Insurance has been dedicated to meeting client needs since 1992. We specialize in providing comprehensive insurance solutions that protect families during critical life events, including income loss from work-related injuries, health crises, or the passing of a loved one. Our team develops long-term client relationships to offer ongoing support and guidance through life's changes. We offer life insurance options like term, whole, and universal policies while specializing in annuities, 401k/403b rollovers, and retirement planning. Our agents combine insurance expertise with wealth management strategies to help clients achieve financial security.We prioritize personalized service and quality products that bring peace of mind to our clients. With decades of combined experience in financial services and tax planning, our team provides expert guidance on reducing tax burdens while building and protecting family wealth. Our commitment to client satisfaction is demonstrated through our focus on transparent communication and tailored insurance solutions that adapt to evolving needs.
Services
Life Insurance
Health Insurance
Medicare Supplements
Annuities
Retirement Planning
401k Rollovers
Tax Planning
Estate Protection
Details
- Year established: 1992
Highlights and features
- We offer personalized insurance solutions since 1992
- Our agents hold licenses in 21 states and tax specialties
- Specialized expertise in retirement planning and tax reduction
- Comprehensive approach combining insurance and wealth management
- Proven track record developing long-term client relationships
Services
Life Insurance
We offer comprehensive life insurance solutions including term, whole, and universal policies. Our plans protect families during income loss from health issues or death while supporting estate planning goals. Policies adapt to changing life circumstances with flexible premium options and coverage amounts.
Retirement Planning
Our retirement planning services include 401k/403b rollovers and tax-efficient strategies. We help clients build sustainable income streams while minimizing tax liabilities through personalized investment approaches and annuity solutions tailored to individual risk profiles.
Medicare Supplements
We provide Medicare supplement insurance plans that cover out-of-pocket healthcare costs. Our solutions help retirees manage prescription drug expenses, hospital visits, and preventive care while coordinating with existing Medicare benefits for comprehensive protection.
Annuities
Our annuity products offer guaranteed income streams for retirement security. We offer fixed index annuities with diversified investment options that protect principal while allowing growth potential through market-linked crediting strategies for long-term financial stability.
Tax Planning
We provide tax reduction strategies combining insurance and investment products. Our specialists help clients minimize tax burdens through strategic asset placement, retirement account management, and tax-advantaged insurance products that preserve wealth across generations.
People
TJ Hines
Broker/Owner
TJ Hines holds life and health licenses in 21 states with 30 years of tax preparation experience at H&R Block. He specializes in wealth building, tax reduction strategies, and family protection through safe money principles while maintaining real estate and notary certifications.
Questions
What types of life insurance do you offer?
We provide term, whole, and universal life insurance policies tailored to individual needs.
Do you help with retirement planning?
Yes, we specialize in retirement strategies including 401k/403b rollovers and tax-efficient planning.
Are Medicare supplement plans available?
We offer Medicare supplement insurance to help cover healthcare costs during retirement.
What areas do you serve?
We operate in New Jersey, New York, Pennsylvania, South Carolina, California, and North Carolina.
How can I get a quote?
Contact us at (609) 228-9192 or visit our website for personalized insurance quotes.
Reviews (7)
Sanjay Neerudu
Oct 12, 2021
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Tj is definitely a very friendly person and very informative with all the questions you ask him. He has showed his interest in taking care of me and my family and that is why I chose him. It’s very hard to find someone who has such patience and understanding in what you looking for and also fill you in with all the knowledge you need. I am so thankful for his excellent professional service he has provided. Highly recommend Mr.TJ Hines.
Shawn OBrien
Apr 20, 2021
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TJ looks out for you & your families best interest 1st! Instead of continuing my policy the current way, he called me to make sure it was the best for my current situation, even if that meant lowering something. Grateful to have someone with that level of decency & knowledge in my corner!
Clinton Holloway
Feb 10, 2021
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Dear, Mr. Hines;
I wanted to take the time to thank you for the customer service you provided to me. I reached out to you on a Sunday in the evening and you called me shortly after. I was somewhat frustrated with my past insurance company at the time, and pleasantly surprised when you called; not missing a beat you listened for what I was looking… for. I sincerely appreciate your attention to detail and your enthusiasm, you did not bad mouth my insurance company, we didn’t even dwell on the negative energy that was coming from my experience as I explained my frustration! During the
I wanted to take the time to thank you for the customer service you provided to me. I reached out to you on a Sunday in the evening and you called me shortly after. I was somewhat frustrated with my past insurance company at the time, and pleasantly surprised when you called; not missing a beat you listened for what I was looking… for. I sincerely appreciate your attention to detail and your enthusiasm, you did not bad mouth my insurance company, we didn’t even dwell on the negative energy that was coming from my experience as I explained my frustration! During the
Larrell Johnson-Fonville
Jun 12, 2020
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TJ is always willing and able to do the hard work with these companies and find the best coverage. Not just life insurance. Taxes, real estate...hes got you. Thanks Bro Hines. Ur the bestest.
Reynelle Williams
May 14, 2020
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I had been trying to find an HSA for some time. When Mr. Hines informed me that he was able to sign me up for an HMA and explained the difference between the two, I signed up. I'm very happy with the plan. Had it not been for Mr. Hines, I would most likely still be trying to find some sort of health payment plan.
LaRonne Quarles
Apr 10, 2020
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"Hines Life has gone over and above for me and my family. Mr. Hines always checks in with me through out the year to provide me with updates and he has provided a full range of insurance products for my family's needs. It's more than simply sending out a birthday card or a premium notice, it's the personal touch that helps."
Alex Lugo
Apr 09, 2020
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Mr. Hines was excellent in explaining and breaking down how the insurance works and very informative. I didn't have a lot of understanding about the insurance and what to do, but Mr. Hines was very patient. Glad to be a client.
