Become a Top Producing Agent with Tom Hegna On Demand


Start each day by expanding your mind, staying motivated and sharpening your skills. I’ve made it fast and easy to have the best information at the tip of your fingers.



Learn and practice the words, language stories and questions to communicate and sell complex financial instruments to the clients who need them the most. Real time solutions to handle every objection, close every case.


Prepare for specific client meetings and cases with Coach Tom Hegna, and get set up every week to sell the best insurance and annuities programs for your clients so you can help them retire happy.


Private member access where prospects and clients can go to understand the latest math and science for using life insurance, annuities and long term care insurance in their retirement planning to create an optimal portfolio.

Stand out from your local competition.

Who’s educating your clients every day on life insurance, annuities, long term care, retirement planning and setting them up for success? Probably not who we want it to be. It’s probably the media, and our clients are probably getting the wrong information.

Differentiate your practice with special client focused Retire Happy curriculum. Here your prospects and clients can learn the facts of retirement from an independent 3rd party. Information based in math and science, not opinion, that shows them why they need life insurance, annuities and long term care so they can take key risks off the table in retirement.

Stand out from your competition and provide unique value. Financial professionals subscribed to Tom Hegna On Demand gain the ability to provision private member access for their best prospects and clients to Retire Happy U. Choose who gets access, manage your private members, and use our in depth analytics to gain insight into what your prospects are interested in.

Sign up for an exclusive membership to Tom Hegna On Demand, educate your clients, and differentiate your practice.

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Easy access at your fingertips
24/7 from any web enabled device.

It's all here: Training to help you with your skills. Coaching for pre-meeting preparation. Education for your clients. Tracking and analytics to gain the intelligence you need to win.


Real World.

There are optimal ways to communicate, educate, overcome objections, close, sell and write policies. These aren’t just idea’s. These skills, techniques and methods have been carefully curated from the very best and put to the test. They are based on actual real world experiences, thousands of transactions, and backed by math and science.

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Tom Hegna On Demand Curriculum

  • 1. Retirement Risks in the 21st Century
  • 2. Inflation Risk
  • 3. Deflation risk
  • 4. Market Risk
  • 5. Order of Returns Risk
  • 6. Risks of Long Term Care
  • 7. Longevity Risk
  • 8. Taxation Risk
  • 9. Withdrawal Rate risk
  • 1. Turn a Death benefit into Guaranteed lifetime Income
  • 1. Facts About Retirement
  • 2. Economic Overview
  • 3. The "Happy Factor"
  • 4. Retirement Alpha
  • 5. CD Alternative
  • 6. Cash Cow
  • 7. North West Quadrant - Morningstar Scatterplot
  • 8. NUA Net Unappreciated Assets and Its Affect with Annuities
  • 1. Life Insurance Objections
  • 2. Lifetime Income Annuities Objections and How to Handle
  • 3. Variable Annuities Objections and How to Handle
  • 4. +Over 75 More Closes and Objection Handling Techniques
  • 1. Mortality Credits
  • 2. Life Insurance
  • 3. Term Life Insurance
  • 4. Permanent Life Insurance
  • 5. Whole Life Insurance
  • 6. Life Insurance as an Asset
  • 7. Human Capital
  • 8. Grandparent and Grandchild Legacy Using Life Insurance
  • 9. Maximizing Charitable Giving using Life Insurance
  • 10. Simple Life Insurance Discussions
  • 11. Cash Cow
  • 12. Business Owner Investment Affects
  • 13. 3 Simple Life Insurance Ideas
  • 14. Human Life Value
  • 15. Mortality Credits from the Life Perspective
  • 16. Questions for Business Owners
  • 17. Questions for Wealthy Clients
  • 18. Simple Solutions using the 2nd to Die Policy
  • 1. The Importance of Long Term Care
  • 2. Risks of Long Term Care
  • 3. Medicare and Medicaid
  • 4. Long Term Care - The Million Dollar Problem
  • 1. Annuities Intro
  • 2. Fixed Period Annuities
  • 3. Lifetime Income Annuities
  • 4. Lifetime Income Annuities Payout Rate Vs Interest Rates
  • 5. Mortality Credits
  • 6. Deferred Income Annuities
  • 7. Longevity Insurance
  • 8. The "Happy Factor"
  • 9. Fixed Index Annuities
  • 10. Variable Annuities Overview
  • 11. Retirement Alpha
  • 12. Deferred Annuity Welcome Video
  • 13. Happy Factor
  • 1. Estate Planning
  • 2. Estate Planning Failures
  • 3. Covering Final Expenses
  • 4. Maximize a Legacy with Estate Taxes
  • 5. Maximize a Legacy with NO Estate Taxes
  • 6. How to Leave Individual Retirement Account Tax Free to Your Children
  • 7. Sell UP to the Estate Tax Level
  • 1. Disability Insurance
  • 2. Medicare and Medicaid
  • 3. Social Security Overview
  • 4. Social Security Strategies
  • 5. Social Security Taxation
  • 6. Required Minimum Distribution Maximization
  • 7. Required Minimum Distribution to Pay for Live and LTC
  • 8. Required Minimum Distribution Compression
  • 9. Protecting Social Security Benefits
  • 10. 529 Plans - Child's Education
  • 11. LGBT
  • 1. Planning
  • 2. Strategies
  • 3. Solutions
  • 4. Role of the Advisors
  • 1. Lifetime Income Annuities Features
  • 2. Lifetime Income Annuities Objections and How to Handle
  • 3. Lifetime Income Annuities Math and Science
  • 4. Fixed Deferred Annuities
  • 5. Variable Annuities Features
  • 6. Variable Annuities Guaranteed Living Benefits
  • 7. Variable Annuities and Fees
  • 8. Variable Annuities Objections and How to Handle
  • 9. Marketing
  • 10. Prospecting
  • 11. Required Minimum Distribution Maximization
  • 12. Required Minimum Distribution Maximization to Pay for Life and LTC
  • 13. Required Minimum Distribution Compression
  • 14. VBear Market Recovery
  • 15. CD Alternative
  • 16. Grandparent and Grandchild Legacy
  • 17. Cost of Waiting
  • 18. Sytematic Withdawals versus Lifetime Income Annuties
  • 19. NUA - Net Unappreciated Assets and Its Affect with Annuities
  • 20. Lifetime Income Annuity Sales Strategies Grandparent/Grandchild legacy
  • 21. Lifetime Income Annuity Sales Strategies RMD Compression
  • 21. QLACS
  • 1. Introduction to Creating a Plan
  • 2. Planning for Retirement
  • 3. The Importance of Working With a Financial Professional
  • 4. Graduation
  • 1. Introduction to Social Security Benefits
  • 2. Social Security Basics
  • 3. Social Security Strategies
  • 4. Working in Retirement, Income Taxes, and Social Security Benefits
  • 5. Graduation
  • 1. Introduction to Hybrid Retirement
  • 2. Major Drawbacks to Working in Retirement
  • 3. Reasons Retirees Work in Retirement
  • 1. Introduction to Protecting Your Savings
  • 2. Basics On How to Protect Your Savings From Inflation
  • 3. The Bottom Line on Inflation
  • 1. Introduction to Securing Guarnteed Lifetime Income
  • 2. Secure Guaranteed Lifetime Income
  • 3. Understanding Accumulation vs. Distribution
  • 4. Learn More About Annuities!
  • 5. Bottom Line on Securing Guaranteed Lifetime Income
  • 1. Introduction to Long Term Care
  • 2. Basic Facts On LTCi
  • 3. Risks of LTC
  • 4. The 'Other' Cost of LTC
  • 5. Recapping The Importance Of Long Term Care
  • 1. Introduction to Using Home Equity Wisely
  • 2. Home Equity Basics
  • 3. Strategies For Using Your Home Equity Wisely
  • 4. Case Study
  • 5. Graduation
  • 1. Some Extra Tips For Late Savers
  • 2. Retirement Planning For Non Traditional Couples
  • 3. Special Retirement Planning Tips For Women
  • 4. Utilizing Longevity Credits For Retirement Income
  • 5. Practical Uses Of Life Insurance In Retirement

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If you are only remotely interested in increasing production, get Tom's client education. If you just show it to your top 5 clients, you will make money!

Louis Prosser, CLU, ChFC, LUTCF - Financial Advisor

If you don't hire Tom, it's your fault-- you're missing out on a multiple of opportunities to enrich your own life, your clients lives, and grow your business the right way - with math, science and a positive energy that is contagious. We will be reaping the enormous financial benefits of his talents for months to come!

Greg Parady - President/CEO Parady Financial Group

Tom is the most knowledgeable person in the area of Annuities in the entire financial services industry today… you always come away eager to spread the word and to help others plan for their retirement with Annuities as the foundation for a sound, guaranteed retirement plan. Tom is THE BEST...EVER!!

John Davidson - Owner Davidson Insurance and Financial Services End

Tom Hegna is one in a million! His understanding of the financial markets combined with dynamic presentation style make him sought after in the financial services industry. Get to know Tom, you won't be disappointed!

Carin Wise - Investment Specialist


  • Daily skills training and motivation
  • Weekly virtual pre-meeting and post-meeting coaching
  • Tom’s best closes and techniques for overcoming objections
  • Tom’s best words, questions and language for presenting annuities and life insurance products
  • Fast start kick off call to get you winning with the program
  • Provision private member access for you best prospects on Retire Happy U
  • Manage your private members, and use in depth analytics to gain insights
  • Special webinars throughout the year
  • Access to toll free number for assistance
  • Annual economic commentary
  • Annual updated Social Security Guide for Clients (PDF)
  • Retirement Alpha Guide (PDF)
  • 24/7 access from any web enabled device
  • Hegna's Hotseat monthly perspective on the financial services industry
  • Official Tom Hegna Certification upon successful program completion


See a full outline of the courses, content and topics covered inside the program.

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Corporate Training

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Earn Tom Hegna Certification through successfully completing over 100 interactive instructional courses and coaching.

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