Business Growth Strategist | Insurance Professional | Executive Coach | U.S. Army Veteran
With more than 30 years of experience in leadership, operations, and business ownership, Troy Culver has built his career around one central goal: helping people and businesses perform at a higher level and build stronger financial futures.
Today, Troy works with agents, agencies, business owners, and professionals across the country. He brings together experience in insurance, leadership development, employee retention, business growth, and strategic planning.
Rather than beginning with a product, Troy begins with the business – identifying the challenges, opportunities, and financial pressures that matter most. From there, he helps develop strategies designed to create meaningful value for both the company and its employees.
Helping Business Owners Build Stronger, More Competitive Companies
Through the GOALL Program, Troy helps business owners explore innovative strategies designed to:
- Attract and retain top talent
- Strengthen employee benefits without simply increasing costs
- Reduce taxable income
- Reward employee loyalty and performance
- Gain a competitive advantage in recruiting
- Help employees build greater long-term financial security
For employees, GOALL offers strategies focused on:
- Tax-advantaged retirement income
- Principal protection
- Long-term financial security
- Legacy planning
- Long-term care protection
What sets Troy apart is his ability to look beyond the surface, uncover a business’s true needs and pain points, and help develop strategies that benefit everyone involved.
As a U.S. Army veteran, entrepreneur, insurance professional, executive coach, and business leader, Troy brings discipline, practical business experience, and a results-focused mindset to every relationship.
His mission is simple: to help businesses become stronger, help employees become more financially secure, and create solutions that deliver lasting value for both.
If you are a business owner looking for a better way to retain great people, strengthen your benefits, and create additional financial value for your company and employees, Troy welcomes the opportunity to start a conversation.
DISCOVER GOALL
WATCH & LEARN HOW THE GOALL PROGRAM WORKS
Take a few minutes to explore how the GOALL Program helps protect your employees and supports your business’s growth. This interactive presentation explains the benefits and how to get started.
Ready to take the next step?
Our Solutions
Creating a “Win-Win” for Employers and Employees
By addressing employer needs with a solution that delivers what employees really want.
Results for the Employer
It’s a better way to:
Hire Top Talent
Roughly 20–25% of new hires come through referrals from current employees. Benefits worth talking about turn your best people into your best recruiters.
Improve Employee Retention
Recruiting and training replacements crushes margins — and losing your most talented people costs the most of all. Benefits worth staying for protect both.
Loyalty Match & Recognition Program
The monthly Employer Loyalty Match is an employer-sponsored contribution based on each employee’s length of service and value to your organization. As employees reach loyalty milestones, GOALL issues a Certificate of Loyalty — recognition that strengthens company culture.
Strengthen Your Competitive Advantage
Stand out from competitors with a benefits package employees genuinely value — one that protects them throughout their careers and into retirement.
Increase Profit Margins
Improve profitability while strengthening employee loyalty and peace of mind. Lower benefit costs + higher retention = a measurable impact on business performance.
Results for Employees
Innovative solutions delivered to employees:
Benefits that protect them from life’s risks
Market Risk
Employees’ indexed cash value is protected from losses caused by market declines, and credited interest is locked in. Policy fees and charges still apply.
Income Risk
Income does not impact Social Security taxation or put employees in a higher tax bracket.
Health Risk
Covers Terminal Illness, Critical Illness, Critical Injury, Chronic Illness, and Alzheimer’s Disease — leading causes of bankruptcy and foreclosure.
Legislative & Tax Risk
Retirement benefits are received tax-free, shielding employees from future tax hikes or legislative changes.
Untimely Death
Tax-free funds to supplement a surviving family’s income or leave a meaningful financial legacy.
Permanent Benefits
Employees are protected throughout their working careers and in retirement from life’s risks.
Tax-Free Retirement
All money received for retirement is tax-free.
Join the Journey Toward Financial and Spiritual Enrichment
Embark on a transformative journey, where financial growth aligns seamlessly with spiritual values. Experience the peace of mind from knowing your financial future is in the hands of a trusted advisor who prioritizes your well-being.
Empower your business. Secure your future. Build a lasting legacy.
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THE GOALL SOLUTION
ONE PRODUCT. PROTECTION FROM FIVE MAJOR LIFE RISKS.
FlexLife by National Life Group - all five protections in a single employer benefit.
Market Risk
Protects employees’ indexed cash value from losses caused by market declines. Policy fees and charges still apply.
Income Risk
Helps employees build a source of supplemental retirement income to support their needs and lifestyle.
Health Risk
Provides living benefits that let employees access part of their death benefit for qualifying terminal, critical, or chronic illnesses.
Legislative Risk
Helps employees diversify their retirement strategy so they rely less on plans affected by changing laws.
Tax Risk
Provides access to potentially income-tax-free supplemental retirement income, subject to policy requirements and applicable tax rules.
SIDE BY SIDE
GOALL vs. Traditional 401(k) / IRA
Take the time to get yourself educated. See how the GOALL Program stacks up against traditional retirement plans — feature by feature.
