As an independent life insurance broker, I represent dozens of top-rated carriers — not one company. That means you get unbiased guidance, competitive pricing, and a policy that actually fits your life.
I'm Trent McRae — a husband, a father of three, a proud University of Central Florida graduate, and a self-proclaimed insurance nerd. Nearly a decade in the industry has only deepened my passion for what I do, because at its core, this work is about protecting the people you love most. I know that firsthand. My family is my why, and that same dedication drives every conversation I have with a client.
I bring an intellectual, analytical approach to insurance — breaking down complex policies and cutting through the noise so you can make confident, informed decisions. I don't believe in one-size-fits-all solutions. I take the time to truly understand your situation, your goals, and your family's future — then I use my knowledge to find the coverage that genuinely fits. Working with clients across all 50 states, I specialize in life insurance, IUL strategies, and wealth-building solutions that stand the test of time.
"I got into this business to make a difference — one family at a time. I use my intellect, my experience, and my heart to help my clients secure their futures and build a legacy worth leaving behind."
Affordable, straightforward coverage for a defined period. Ideal for income replacement, mortgage protection, and young families who want maximum coverage at minimum cost.
Permanent coverage with guaranteed cash value growth. A time-tested tool for generational wealth transfer, final expenses, and guaranteed death benefits.
Grow your cash value linked to market indexes — without the downside risk. Tax-free retirement income, living benefits, and flexible premiums make IUL a powerful financial tool.
Whole life policies designed to cover funeral costs and end-of-life expenses. Guaranteed approval options available. Give your family peace of mind when it matters most.
Guaranteed income streams for retirement. Fixed, indexed, and multi-year guaranteed annuities to protect your nest egg from market volatility and outliving your savings.
If something happens to you, your family keeps the home. Mortgage protection policies pay off your remaining balance, keeping your loved ones off the street and in the life you built.
Key Man Insurance to protect your business if a critical employee passes. Buy-Sell agreements funded with life insurance to ensure ownership transitions seamlessly and fairly.
From individual and family health plans to Medicare supplements and group coverage for small businesses — I help you find the right health insurance to keep you and your loved ones protected without overpaying. Whether you're self-employed, between jobs, or simply shopping for better rates, I'll compare options across top health carriers to find the plan that fits your life and your budget.
The Power of Independence: Because I'm not captive to any single carrier, I shop the entire market on your behalf. You get honest, objective comparisons — not a sales pitch for whatever company pays me the most. My loyalty is to you.
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As contribution limits squeeze high earners out of traditional tax-advantaged accounts, indexed universal life policies are quietly becoming the go-to vehicle for tax-free retirement income...
In an industry dominated by captive agents, independent brokers who access the full carrier market are saving clients hundreds per month and finding policies that would otherwise never be offered...
The average funeral now costs between $8,000 and $12,000. Most families find out the hard way that they're not prepared. Here's the simple, affordable solution that takes less than 10 minutes to set up...
Most business partners have a handshake agreement about what happens if one of them dies or becomes disabled. Without a properly funded buy-sell agreement, that handshake can cost families everything...
Trent McRae completely changed how I think about life insurance. I came in thinking I just needed a basic term policy, and I left with an IUL that's already building serious cash value. Three years in and I feel completely protected AND like I'm building real wealth for retirement.
After my husband passed, I realized how unprepared we were. Trent McRae helped me get final expense coverage for myself and my mother within a week. The process was so simple — no medical exam, no hassle. I wish we'd found him sooner. My mind is completely at ease now.
As a self-employed contractor, I never had access to employer retirement benefits. Trent McRae showed me how to use an IUL as a tax-free retirement vehicle. I'm now putting $800/month in that builds tax-free and protects my family. Best financial decision I've made in a decade.
We were shopping for mortgage protection and every agent we talked to tried to sell us overpriced policies. Trent McRae compared 8 different carriers and found us a policy that covered our full mortgage for $43/month less than the next best quote. The savings over 30 years is over $15,000.
My business partner and I finally have our buy-sell agreement properly funded. If something happens to either of us, the other one doesn't lose the business and the family gets paid fairly. Trent McRae walked us through every option and explained things without all the insurance jargon.
I was skeptical about term life — I'd heard the "you'll never use it" argument. Trent McRae explained it perfectly: it's not about using it, it's about your family not losing everything if you do. Got a 20-year $750K policy for less than my Netflix subscription. A no-brainer.
Trent walked me through every option without making me feel pressured. I'm a single mom on a tight budget and he found me a whole life policy that fit perfectly. My kids are covered and I didn't have to sacrifice anything. He genuinely cares about the people he works with.
I've been burned by pushy insurance agents before so I was skeptical. Trent was completely different — he actually listened, asked smart questions, and came back with options that made sense for my situation. I ended up with an IUL I actually understand. That's rare.
Our family had a $500k term policy through work and Trent helped us realize it would disappear when my husband retired. He set us up with a permanent policy that doesn't expire and has a cash value component we can borrow from. Such an eye-opener. Highly recommend.
As a nurse I thought I knew enough about financial planning. Trent humbled me — in the best way. His knowledge of how IULs interact with taxes and retirement income was impressive. I left our first conversation with more clarity about my financial future than I'd had in years.
My dad passed without any life insurance and I watched my mom struggle for years afterward. I promised myself I'd never put my family through that. Trent helped me get $1M in coverage for less than I expected and the process was fast. Best phone call I've ever made.
I called Trent on a Tuesday and had a policy in place by Friday. No runaround, no paperwork maze, no upselling. Just honest advice and fast execution. He even followed up a month later to make sure I was happy. Customer service like that is almost unheard of in this industry.
Indexed Universal Life insurance is one of the most misunderstood — and most powerful — financial tools available. These are the questions I hear most often from clients. No jargon, no spin. Just straight answers.
Talk to Me About IULWe start with a no-pressure call or video meeting to understand your goals, family situation, budget, and what keeps you up at night. Zero sales pitch — just listening.
I analyze your income, debts, dependents, existing coverage, and retirement goals to determine exactly what type and amount of coverage creates real security for your family.
I shop your profile across 30+ top-rated carriers simultaneously — comparing rates, underwriting, riders, and policy design so you see every option side by side, transparently.
We submit your application, handle all carrier communication, and I remain your dedicated broker for life — annual reviews, beneficiary updates, and any policy questions forever.
Fill out the form below and I'll reach out within 1 business hour to get you a customized quote.
Your information is 100% private and secure. I will never sell, share, or spam your contact information. By submitting this form you agree to be contacted by Trent McRae regarding your insurance inquiry.
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Did you know? An IUL policy can grow your cash value tax-free AND give you a death benefit. It's the Swiss Army knife of life insurance 🔥 Drop a 💰 in the comments if you want to learn more...
📊 IUL in 60 seconds: Zero market risk. Indexed growth. Tax-free retirement income. Living benefits. Save this post and share it with someone who's still using a 401k as their only retirement plan. 👆
I've helped [200+] business owners fund their buy-sell agreements this year alone. Here's the exact framework we use, and why most businesses get it wrong by waiting too long... Read full article →
IUL vs 401K vs Roth IRA — Which one actually wins in 2024? I ran the real numbers side-by-side. The results might surprise you. This is the video I wish someone made for me 10 years ago.