Who is BDLife212°, LLC?

At 211° water is hot. At 212° water boils. Withboiling water comes steam. With steam you can power anything.

We provide that one extra degree of personalization with every individual resulting in exponential results

BDLife212° has created a culture and process that provides you that extra degree of focus, expertise, responsiveness and efficiency in support of balancing the unexpected risks within your financial portfolio. With the use of life insurance, long term care, disability and supplemental benefits we design tailored dependable solutions which provide strength, flexibility and guarantees within the portfolio. We are dedicated to forming quality relationships which result in a positive experience with dependable solutions. The extra degree makes all the difference.


212° Expertise. With over 30 years of experience in the life insurance and financial practice industry consider us as an integral part of your financial team providing you the life insurance, long term care, disability and supplemental benefits expertise and services that encompass a balanced financial portfolio of strength. As importantly, we specialize in knowing where and why the product fits within your financial plan.


Our client consultation and design strategies are complementary and are built according to goals and objectives. Once a strategy and carrier are chosen, the processing is then handled by our office. Our fee is paid once the policy is in force and is paid to us by the insurance company that was chosen by the client as the best option of meeting their goals.


212° Efficiency.While we can’t change the Life Insurance Industry, our objective is to make the offering and acquisition of life insurance a positive experience for you. We achieve this through our “cradle to grave” approach in supporting you, coupled with our experience in coordinating and managing the process. It begins with BDLife212° being your single source for life insurance, long term care, disability and supplemental benefits. The BDLife212°extra degree.

212 Attitude.We work for you. Pure and simple. We have the knowledge, expertise and experience to help you meet the insurance needs of your financial goals.


Life Insurance Strategies

Life Insurance kicks in to help protect financial needs through your life and/or the life of your
business & loved ones. Flexibility, guarantees, protection and coverage all are dependent on
individual needs and should be assessed before any coverage is purchased
o Existing Policy Audits
o Salary Replacement
o Tax Free Income
o Estate Protection
o Income Protection
o Senior Care Options

Supplemental Benefit Strategies

Supplemental health insurance kicks in to help you pay for what your health insurance does not
including deductibles, co-pays and everyday expenses.
o Coordinating of benefits with your existing medical plan
o Coordinating of benefits with Major Medical and Direct Physician Care

Our Team


Hello, I’m Tammie Smith

“I believe in providing financial solutions that take the complication and confusion out of the process. That is why I focus on developing personalized written plans, that offer multiple options to meet intended financial needs & circumstances. My goal is to develop an Insurance experience that you are proud to own by helping you understand what strategies meet your goals and objectives and explaining the nature of the strengths and limitations of each design.”

Tammie Smith is the President of BDLife212° and leads the business in educating and delivering client solutions that minimize risk for families and businesses — while continuing to meet their changing financial needs. With more than 35 years of experience in the financial services industry, Tammie’s passion for insurance planning, education and talent for customized planning have generated lifelong client relationships. She holds a bachelor’s degree in finance and completed The Rice University Certified Financial Planning Graduate Certificate Program.

Certifications and Licenses