Sell the truth
If a smaller policy is the right policy, we write the smaller policy. If you do not need us, we say so and hang up.
Our story
Started because one family got the wrong answer
Our founder sat across from a widow who had been sold a $50,000 policy on a $400,000 mortgage — by an agent who only had one product to sell and a quota to hit. She lost the house eleven months later.
MC Life Insurance was built to make that particular failure structurally impossible. As an independent brokerage we have no house product to push, no captive quota, and no reason to recommend anything other than the policy that actually fits. If the honest answer is “you already have enough coverage,” that is the answer you get.
Today we place coverage with more than thirty carriers rated A− or better by AM Best across the states where we are licensed, and we train agents who work the same way.
We run the brokerage remotely, by design. No branch office to pay for means we answer the phone wherever you are, meet by phone or video on your schedule rather than ours, and keep our overhead out of your premium.
Independent
Not owned by any carrier
A–
Minimum AM Best rating we place
$0
Fees charged to clients
1
Broker owns your file for life
What we hold to
Four rules we don’t bend
Every new agent hears these read out loud on their first day, and every client can hold us to them.
Shop every case
No default carrier, ever. Each application gets run against the full network, including the impaired-risk specialists.
Answer the phone
One broker owns your file for its lifetime. No call center, no ticket queue, no being handed off to whoever is free.
Show up at the claim
We file it, chase it, and stay on it until the money lands. Free, forever, for every family we have written.
Contact
Start a conversation
Ready for numbers? Use the quote form instead — it gets you an answer faster. For anything else, this reaches a real inbox we check every business day.
Compliance
Licensing & disclosures
MC Financial LLC, a limited liability company doing business as “MC Life Insurance.” We are a licensed independent insurance producer — a brokerage — not an insurance carrier. Every policy we place is issued and guaranteed by the underwriting carrier named in your contract, and that carrier alone pays claims.
By commission from the issuing carrier, built into the premium the carrier files with your state regardless of whether you use a broker. You pay nothing extra for our help, and we do not charge planning, consulting or service fees to individual clients.
MC Financial LLC and its producers hold resident and non-resident life licenses in the states where we are licensed. Availability of any specific product, rider or carrier varies by state. Our license numbers are available on request and are listed with each state’s department of insurance. NPN 21622410.
They are planning tools, not quotes. The calculators here run published rate ranges and your own inputs to show a realistic order of magnitude. Only an insurance carrier can quote you, and only after underwriting review. Nothing on this website constitutes an offer of insurance, a binding contract, or tax, legal or investment advice.
We use it to prepare your quote and, if you apply, to submit your application to the carriers you choose. We do not sell, rent or trade personal information to lead vendors or data brokers. You can ask us to delete your record at any time by emailing admin@mclifeinsurance.com.
One conversation
Find out where your family stands
No cost, no obligation, and no one will chase you. Just a straight answer from someone licensed to give it.