People stay unprotected — not because they don’t care, but because no one ever guided them to the right next step. That’s where you come in. When you refer someone, you’re not just filling out a form — you’re giving them a shot at clarity, confidence, and protection before life shows up with death, illness, injury, or retirement. You are TNT. And it’s through you that we continue to break cycles and build futures — one conversation at a time.