I’m Tracey Garnett, founder of TG Insurance Group. I help individuals, families, professionals, business owners, educators, and retirees navigate important decisions surrounding retirement solutions, life insurance, Medicare, supplemental health coverage, and employee benefits.
For me, this work is about more than helping someone choose a product. I believe people make better decisions when they understand their options, and my role is to make complicated information easier to understand so you can make choices that feel right for you, your family, and your future.
Whether you’re protecting the people you love, building toward retirement, creating a strategy for retirement income, approaching Medicare eligibility, or simply trying to understand what options are available to you, I’m here to help you make sense of it.
I also have extensive experience working with educators and school employees, helping them better understand their retirement benefits, including TRS pensions, 403(b) and 457(b) plans. It’s an area of my work that I’m passionate about, but the same education-first approach is at the heart of how I serve every client who works with me.
My approach is simple: education first, decisions second.
I take the time to listen, understand what matters to you, answer your questions, and explain your options in plain language. I want you to understand not only what you’re choosing, but why it may make sense for your situation.
And our relationship doesn’t end when an application is submitted. As life changes, your needs may change too. My goal is to be a resource you can continue turning to when questions arise, circumstances change, or you’re preparing for your next milestone.
Retirement. Medicare. Protection.
Guidance for every stage of life.
My mission is to educate, guide, and empower individuals and families to make informed decisions about their insurance, financial protection, and retirement needs.
I believe everyone deserves to feel heard, understood, and confident when making decisions that impact their future.
No unnecessary complexity. No pressure. Just clear guidance, personalized solutions, and ongoing support to help protect what matters most.
Education Comes First
I believe understanding should come before any decision. I take the time to explain your options in clear, simple language so you can make informed choices with confidence.
I Listen Before I Recommend
Your goals, family, finances, and priorities are unique. I focus on understanding what matters most to you before exploring solutions that align with your needs.
Independent Options
As an independent insurance professional, I work with multiple insurance carriers, allowing me to explore coverage options tailored to your individual needs rather than being limited to one company.
Guidance That Goes Beyond One Stage of Life
Your financial and insurance needs evolve over time. From life insurance and retirement planning to Medicare coverage, I’m here to help you navigate important decisions as your circumstances and priorities change.
Specialized Experience With Educators
Educators and school employees face unique retirement considerations. My experience with TRS, 403(b)s, 457(b)s, and retirement transitions allows me to provide specialized education and guidance while continuing to serve individuals and families from all walks of life.
Relationships, Not Transactions
My commitment doesn’t end when the paperwork is complete. I believe in building lasting relationships, remaining accessible when questions arise, and providing ongoing support as your needs evolve.
My commitment to you is simple: I want you to leave every conversation feeling heard, informed, confident, and never pressured into making a decision.
A strong employee benefits package can provide valuable financial protection and peace of mind for employees and their families.
I help businesses and their employees explore voluntary benefit solutions, including accident, critical illness, hospital indemnity, and other supplemental insurance options designed to provide additional financial protection when unexpected events occur.
Whether you’re an employer looking to enhance your benefits package or an employee exploring additional coverage, I’m here to provide personalized guidance and help you find options that align with your needs and budget.
Retirement isn’t just about saving money—it’s about preparing for financial security and dependable income throughout your retirement years.
I help individuals and families explore retirement solutions designed to grow their savings, protect their assets, and create income for the future.
Whether you’re just starting to save, approaching retirement, or reviewing your existing accounts, I’m here to provide personalized guidance tailored to your goals, timeline, and financial needs, with specialized support for educators and working professionals.
Even with health insurance, unexpected medical expenses can create financial stress.
I help individuals and families explore supplemental health insurance options designed to provide additional financial protection when unexpected illnesses, injuries, or hospital stays occur.
Whether you’re looking for accident coverage, critical illness protection, or hospital indemnity insurance, I’m here to help you understand your options and find coverage that complements your existing health insurance, needs, and budget.
Understanding your Medicare options is an important part of planning for your healthcare and retirement. I help you explore Medicare Advantage, Medicare Supplement, and prescription drug coverage options based on your healthcare needs, preferred providers, and budget.
Whether you’re new to Medicare or reviewing your existing coverage, I’m here to provide personalized guidance to help you make informed decisions with confidence.
Life insurance is more than just a policy—it’s a way to help protect yourself and the people who matter most.
I help individuals and families explore life insurance solutions designed to provide financial protection and peace of mind. Certain policies also offer living benefits, which may allow you to access a portion of your death benefit while you’re still living if you experience a qualifying critical, chronic, or terminal illness.
Whether you’re looking to replace lost income, cover final expenses, or strengthen your family’s financial future, I’m here to help you find coverage options that align with your needs, goals, and budget.
