We are not tied to one carrier. MC Life Insurance shops 30+ carriers rated A− or better by AM Best with a single application, then hands you the plans side by side — so your family gets the right coverage at the honest price.
Three quick answers and we’ll take it from there. No SSN, no payment info, no obligation.
What our carrier network covers
We place business with carriers rated A− or better by AM Best. Ratings measure a carrier’s financial strength, not the suitability or performance of any policy, and are subject to change. Carrier availability varies by state.
Families come to us for protection. Homeowners come for a plan. Driven people come for a career. Pick your path below.
We start with the math — income, mortgage, debts, college — then match it to coverage you can actually keep.
One short form gets you live pricing across 30+ carriers, reviewed by a licensed broker before it reaches you.
Free leads, a mentor on every call, and a comp plan that pays you like an owner. Licensed or not — we’ll train you.
We work remotely, so there are no office visits and no stacks of paperwork — and no surprise fees, because carriers pay us rather than you.
Two minutes online or one call. We ask what we need and nothing more.
Your broker runs your profile through 30+ carriers and finds the underwriter most favorable to you.
Options side by side with the trade-offs spelled out. You decide — we never push.
E-sign the application. Many clients are approved in 24–72 hours with no exam.
Agents who work for a single insurance company can only sell you that company’s products — even when a different carrier would approve you at half the price. As an independent brokerage, MC Life Insurance works for you.
That difference is largest exactly where it matters most: applicants with high blood pressure, diabetes, a heart history, a recent surgery, or a risky occupation. Each carrier grades those differently, and knowing which one grades you best is our entire job.
Illustrative example for a healthy non-smoker in a preferred class. Your rate depends on age, health, tobacco use, coverage amount, and carrier underwriting.
Tap a product to see who it fits, what it costs, and the honest trade-off.
Parents with kids at home, anyone with a mortgage, and households where one income would be badly missed. The workhorse of family protection.
Typically $25–$60/month for $500K over 20 years for a healthy 35-year-old. Locked for the full term — the price never changes.
It expires. If you outlive the term, there is no payout and no cash value. Many clients convert part of it to permanent coverage later.
Families who want a payout that is certain rather than conditional, plus a guaranteed cash value they can borrow against for emergencies.
Roughly 6–10× term pricing for the same death benefit — you are buying permanence and a savings component, not just protection.
Cost. Buying whole life when your budget only supports a small face amount can leave your family underinsured in the years they need it most.
Higher earners who already max their 401(k) and IRA and want tax-advantaged growth tied to an index, with a death benefit attached.
Flexible by design — you fund it within IRS limits. Most clients who use IUL well are contributing $500+/month consistently.
Complexity. Caps, participation rates, and cost-of-insurance charges all matter. We show you the guaranteed column, not just the illustration.
Important: Indexed universal life is life insurance, not a security or an investment in the stock market. You are not invested in any index and you do not receive dividends from index constituents. Interest credited is determined by a formula subject to caps, participation rates, and spreads that the carrier may change. Policy charges and cost of insurance reduce cash value and rise with age. Loans and withdrawals reduce the death benefit and cash value, and a policy that lapses with an outstanding loan can create a taxable event. Non-guaranteed illustration values are not projections or guarantees of future results. Request and read the carrier’s illustration, including the guaranteed columns, before applying. We do not provide tax or investment advice.
Adults 50–85 who want to cover a funeral, medical bills, and small debts so no one has to open a fundraiser. Health questions only — no exam.
Commonly $40–$120/month for $10K–$25K of coverage, depending on age and health. Premiums and benefit are locked for life.
Small face amounts and a higher cost per dollar of coverage. Some plans have a two-year graded period for natural causes.
New homeowners and anyone who refinanced recently. Term life sized to your balance and years remaining, so the house stays in the family.
Ordinary term pricing — often under $45/month on a $350K balance for a healthy buyer in their 30s. Cheaper than most lender-offered plans.
Buy it as regular term with your family as beneficiary, not as a lender-payable product. You want your spouse to choose what happens next.
Not claims about outcomes — commitments about conduct. Hold us to every one of them.
Nothing. Insurance carriers build a commission into the premium whether you use a broker or not. Buying through MC Life Insurance costs the same as buying direct — you simply get someone comparing thirty companies on your behalf instead of one.
Often not. Most healthy applicants under 60 qualify for accelerated underwriting up to $1–$3 million — health questions and a database check, no needles. If an exam would earn you a materially better rate, we will tell you so and let you decide.
A common starting point is 10–12× your income, adjusted for your mortgage, debts, and college plans. Our coverage calculator walks through it in about a minute, and your broker sanity-checks the number with you.
Usually yes. Diabetes, controlled high blood pressure, sleep apnea, past cancer, anxiety and depression are all placed regularly. Carriers grade these conditions very differently, which is exactly where an independent brokerage earns its keep. Guaranteed-issue options exist as a last resort.
Instant-decision carriers can approve and issue the same day. A typical no-exam case takes 24–72 hours. Fully underwritten cases with medical records run three to six weeks — and we can put temporary coverage in place while you wait.
No. One licensed broker owns your file start to finish. We never sell or share your information with lead buyers, and you can tell us to stop contacting you at any point and we will.
Most families are quoted less than the cost of a streaming bundle. Find out what your number is — then decide with no one leaning on you.