★ Licensed Independent Insurance Advisor · NPN 2179777 📞 No call centers — you speak with Tina, personally 🔒 Secure & encrypted (SSL)
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Tina McClaren
Life · Annuity · IUL · Independent Insurance Advisor
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Licensed · Independent · NPN 2179777

Life insurance explained by a person, not a policy.

Coverage that fits your family's needs and budget — explained honestly, with no pressure and no scripts, by someone who actually picks up the phone.

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✓No obligation ✓Quote request in ~1 minute ✓English & Español
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Licensed · NPN 2179777Verify at NIPR.com
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IndependentNot tied to one carrier
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Families & businessesLife, annuities & IUL
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English & EspañolService in your language
Why work with Tina

An insurance experience that actually feels human

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No obligation

Looking at your options never costs a thing, and you're never signed up for anything without saying so.

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One point of contact

You work with me from your first question through your policy anniversary — not a rotating call center.

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Answers you can actually understand

I'll walk you through what each type of coverage actually does before we ever talk about price.

Tina McClaren helping a client sign her life insurance policy — Protect today. Provide tomorrow.
For your family

The right coverage feels like relief, not a burden

Sitting down to talk about life insurance doesn't have to be stressful. We look at what you want to protect together, and I show you clear options — so your whole family can rest easy.

  • Replace your income if your family ever loses it unexpectedly
  • Cover the mortgage, debts and final costs — not your loved ones
  • Build cash value or guaranteed income for retirement
Let's Talk About Your Family Meet Tina
Coverage options

What kind of coverage are you looking into?

Every family and every business is different, which is why I offer several types of coverage. Tap a card to read a clear explanation of each one — no jargon, no fine print tricks.

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Term Life

Affordable coverage for a set number of years — ideal while you're raising a family or paying off a mortgage.

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Whole Life

Permanent coverage with a locked-in premium and cash value that grows over time.

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Final Expense

A smaller policy designed to cover funeral and end-of-life costs, so your family doesn't have to.

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Annuities

A way to turn savings into a guaranteed stream of income you cannot outlive.

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IUL

Permanent coverage with growth potential tied to a market index, and protection from market losses.

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Business Coverage

Protect your company, your partners, and the employees who help you run it.

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Free calculator

How much life insurance do I need?

Plug in a few numbers for a quick ballpark. Then we can go over what actually makes sense for your family together.

Your estimated coverage need
$670,000
Income replacement$500,000
Debts + education + final costs$190,000
Minus what you already have−$20,000
Review my number with Tina →

Educational estimate only — not a quote or an offer of coverage. Your real needs depend on your full situation.

Side-by-side

Compare your options at a glance

A general guide — details vary by carrier, age and health.

Term Life Whole Life Final Expense IUL Annuity
How long it lasts A set term (10–30 years) Lifetime Lifetime Lifetime (when funded) Income contract, not life insurance
Builds cash value No Yes — guaranteed Yes — modest Yes — index-linked Grows for income
Typical monthly cost Lowest Higher, but fixed Low to moderate Moderate & flexible Lump sum or over time
Best for Young families, mortgages A guaranteed legacy Funeral costs, older adults Protection + growth potential Retirement income
How it works

Three simple steps. Zero pressure.

1

Share your info

Just the basics — how to reach you and what you're interested in.

2

Tell me what works

Pick the day and time that's easiest for you — I work around your schedule.

3

I call you, personally

A relaxed conversation to understand your goals and walk through real options.

Ready to protect what matters most?

Get your free quote in about a minute, or call or text Tina at (448) 488-2717.

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About Tina

I'll be the one who calls you back.

When you fill out a form on this site, it doesn't go into a queue for whoever is available next. It comes to me. I'm a licensed, independent insurance advisor, and I do this work because I believe people make better decisions when someone actually explains things to them instead of rushing them to sign.

My job is to ask what you're actually trying to protect — your kids, your spouse, your business, your peace of mind — and then show you the coverage that does that, at a price that makes sense for your life.

If you ever call and I don't pick up, I will call you back. That's a promise, not a marketing line.

Talk to Me About Your Options

What working with me looks like

  • A short conversation about your goals — no forms full of jargon
  • Honest comparisons between the coverage options that fit your situation
  • Clear numbers, explained before you ever see paperwork
  • You decide what's right — and I'll tell you if I don't think you need coverage at all
Term Life Insurance

Coverage built around the years you need it most

Term life insurance covers you for a set period of time — usually 10, 20, or 30 years. If something happens to you during that term, your beneficiaries receive a payout. If the term ends and you're still here, the policy simply expires (though many can be renewed or converted).

It's typically the most affordable way to get a meaningful amount of coverage, which is why it's often the first policy a young family or a new homeowner considers.

Term life tends to make sense if: you have a mortgage, young children, or debt that would be a burden to your family if your income disappeared, and you want the most coverage for the lowest monthly cost.

Good questions to ask yourself

  • How many years until my kids are financially independent?
  • How many years are left on my mortgage?
  • What income would my family need replaced?
Whole Life Insurance

Permanent protection that never expires

Whole life insurance is designed to last your entire lifetime, as long as premiums are paid. Your premium is generally locked in from day one, and part of every payment builds cash value inside the policy — money you may be able to borrow against later in life.

Because it's permanent, whole life usually costs more per month than term coverage of the same size. In exchange, you get a policy that isn't tied to a specific number of years and a cash value that grows in a predictable, guaranteed way.

Whole life tends to make sense if: you want coverage that never runs out, you like predictable guarantees over market growth, or you want to leave a guaranteed inheritance or cover final costs no matter when you pass.

Good questions to ask yourself

  • Do I want a policy I never have to renew or requalify for?
  • Would I use the cash value later — for retirement, emergencies, or a legacy?
  • Am I comfortable with a higher, but fixed, monthly premium?
Final Expense Coverage

A plan for your family — not a bill they have to cover

Final expense insurance is a smaller, simplified type of whole life insurance, usually built to cover the costs that show up right after someone passes away: funeral and burial costs, remaining medical bills, and small debts left behind.

These policies are usually easier and faster to qualify for than larger life insurance policies. Many are available with simplified or no medical exam, which makes this a common fit for older adults or anyone with health history that might make traditional coverage harder to get.

Final expense tends to make sense if: you're mainly concerned with covering funeral costs and small debts, you want a simpler application process, or a larger policy isn't a fit for your health or budget.

Good questions to ask yourself

  • What would a funeral and burial actually cost in my area?
  • Do I have medical bills or small debts I don't want my family covering?
  • Would I qualify more easily for a simplified policy than a larger one?
Annuities

Turning your savings into income you can't outlive

An annuity is a contract with an insurance company, not a life insurance policy — but the two are often planned together. You pay into an annuity either as a lump sum or over time, and in return the insurance company promises to pay you an income later, often for the rest of your life.

Annuities exist to solve a different problem than life insurance: instead of protecting your family if you pass away too soon, they help protect you from outliving your own savings.

An annuity tends to make sense if: you're nearing or in retirement, you want guaranteed income on top of Social Security or a pension, or you're concerned about market swings affecting your retirement savings.

Good questions to ask yourself

  • Do I have savings I'd like to turn into steady monthly income?
  • How important is guaranteed income versus growth potential?
  • When would I want the income to start?
Indexed Universal Life (IUL)

Permanent coverage with room to grow

Indexed Universal Life is a type of permanent life insurance where the cash value can grow based on the performance of a market index, such as the S&P 500 — without your money actually being invested in the market. Most IUL policies include a floor, so your cash value is protected from losses even in a down year, and a cap, which limits how much you can gain in a strong year.

IUL policies also tend to offer more flexibility than whole life — you may be able to adjust your premium or death benefit over time as your life changes.

IUL tends to make sense if: you want permanent coverage plus growth potential, you like the idea of downside protection with upside opportunity, or you want flexibility to adjust your policy as your finances change.

Good questions to ask yourself

  • Am I comfortable with growth that can vary year to year, within limits?
  • Would I value flexibility in premium payments over time?
  • Am I thinking about this policy as part of a longer-term financial plan?
Coverage for Businesses & Employees

Protecting the people who make your business work

If you own a business, insurance isn't just personal — it protects the company itself. I work with business owners on a few common needs:

Key Person Coverage

Protects your business financially if a critical owner or employee — often the person whose knowledge or relationships keep things running — passes away unexpectedly.

Buy-Sell Funding

Makes sure that if a business partner passes away, there's a funded, agreed-upon way to buy out their share instead of a scramble or a forced sale.

Group Life for Employees

Offering even modest life insurance as a benefit tells your team you're thinking about their families, not just their paychecks.

Executive Benefits

Supplemental coverage that helps you attract and keep the people your business depends on most.

Here's what I want you to know: when I talk to your employees about their benefits, I'm not there to sell them something they don't need. I explain their options honestly, answer their questions the same way I'd answer my own family's, and let them decide what's right for their household. That's the same approach I bring to you.

Good questions for business owners

  • Would losing a key employee or partner create a financial gap?
  • Do I have a funded plan if a partner passes away?
  • Could offering life insurance help me keep good employees longer?
Ask About Business Coverage
Get My Quote

Tell me a bit about what you need — I'll call you personally

There's no obligation and no pressure. Fill this out, and I'll review it myself before I call — so when we talk, I already have an idea of how I can help you.

1

Share your info

Just the basics — how to reach you and what you're interested in.

2

Tell me what works

Pick the day and time that's easiest for you — I work around your schedule.

3

I call you, personally

A relaxed conversation to understand your goals and walk through real options.

Questions people ask before reaching out

Will I be pressured to buy something?

No. My goal on the first call is to understand your situation and answer your questions. If coverage doesn't make sense for you right now, I'll tell you that.

Is there a cost to get a quote?

No. There's no cost and no obligation to review your options or talk with me.

Am I guaranteed to be approved?

No. All coverage is subject to underwriting and approval by the insurance company. The insurer decides final approval and price after reviewing your application. My job is to help you find the companies you're most likely to qualify with, and walk you through every step.

Who will actually contact me?

Me — Tina McClaren. I review every request personally rather than routing it to a call center.

Is my information kept private?

Yes. Please see our Privacy Policy for full details on how your information is used and protected.

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