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Trusted Independent Broker — All 50 States

Protecting Families. Building Legacies.

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.

10+
Years of Experience
1,200+
Families Protected
50
States Licensed
30+
Carrier Partners
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Professional Headshot
10 Years in
the Industry

Trent McRae

LUTCF ChFC® Independent Broker IUL Specialist Licensed in All 50 States

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."
1,200+ Families Served
$30M+ Coverage Placed
30+ Carrier Partners

Life Insurance Solutions
Built Around Your Life

01

Term Life Insurance

Affordable, straightforward coverage for a defined period. Ideal for income replacement, mortgage protection, and young families who want maximum coverage at minimum cost.

02

Whole Life Insurance

Permanent coverage with guaranteed cash value growth. A time-tested tool for generational wealth transfer, final expenses, and guaranteed death benefits.

03

Indexed Universal Life (IUL)

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.

04

Final Expense Insurance

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.

05

Annuities

Guaranteed income streams for retirement. Fixed, indexed, and multi-year guaranteed annuities to protect your nest egg from market volatility and outliving your savings.

06

Mortgage Protection

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.

07

Business Life Insurance

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.

08

Health Insurance

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.

Top-Rated Carriers.
One Unbiased Advisor.

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.

MO

Mutual of Omaha

A+ Rated

NW

Nationwide

A+ Rated

PL

Pacific Life

A+ Rated

PR

Protective Life

A+ Rated

TA

Transamerica

A Rated

NA

North American

A+ Rated

AIG

AIG / American General

A Rated

GA

Global Atlantic

A- Rated

NL

National Life Group

A+ Rated

LG

Legal & General

AA- Rated

SB

Securian / Minnesota Life

A+ Rated

AM

Ameritas Life

A Rated

FR

Foresters Financial

A Rated

FG

F&G Life

A- Rated

LB

Lincoln Benefit Life

A+ Rated

SN

Symetra

A Rated

IL

Illinois Mutual

A Rated

OM

Ohio National

A+ Rated

MN

Midland National

A+ Rated

SL

Sagicor Life

A- Rated

Licensed Nationwide

Nationwide Coverage — Licensed in All 50 States + Washington D.C.

No matter where you live, work, or move to — I'm licensed and ready to serve you.

United States — Licensed in All 50 States D.C.
All 50 States + Washington, D.C. — Hover any state to confirm coverage

Publications & Media

Forbes March 2024

Why IULs Are Becoming the New Roth IRA for High-Income Earners

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...

Read Article
Insurance News Net January 2024

The Independent Broker Advantage: How Shopping 30 Carriers Changes the Game

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...

Read Article
LinkedIn Articles November 2023

Final Expense Insurance: What Nobody Tells You Until It's Too Late

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...

Read Article
Industry Blog September 2023

Buy-Sell Agreements 101: Protecting Your Business Partnership Before It's Too Late

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...

Read Article

What Families Are Saying

"
★★★★★

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.

MR
Marcus R.
Texas • IUL Policy
"
★★★★★

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.

DW
Denise W.
Georgia • Final Expense
"
★★★★★

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.

JT
James T.
Florida • IUL / Retirement
"
★★★★★

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.

SK
Sarah & Kevin L.
Ohio • Mortgage Protection
"
★★★★★

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.

AC
Anthony C.
California • Business / Buy-Sell
"
★★★★★

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.

BM
Brianna M.
New York • Term Life
"
★★★★★

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.

TN
Tamara N.
Florida • Whole Life
"
★★★★★

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.

RB
Raymond B.
Texas • IUL Policy
"
★★★★★

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.

LP
Lisa & Paul M.
Georgia • Term Conversion
"
★★★★★

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.

KJ
Keisha J.
North Carolina • IUL / Retirement Planning
"
★★★★★

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.

DJ
Devon J.
Illinois • Term Life
"
★★★★★

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.

MP
Marcus P.
Florida • Final Expense

Follow Along for Tips,
Updates & Client Stories

Everything You Need to Know About
Indexed Universal Life

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 IUL
What is an Indexed Universal Life (IUL) policy?
An IUL is a type of permanent life insurance that includes both a death benefit and a cash value component that grows based on the performance of a stock market index — like the S&P 500 — without being directly invested in the market. You get upside potential linked to market gains, while a floor (typically 0%) protects your cash value from market losses.
How does the index-linked growth work?
Each year, the insurance company calculates your credited interest based on how a chosen index (such as the S&P 500) performed. If the index gained 14%, you might receive up to the cap rate (e.g., 10-12%). If the index lost 18%, you receive 0% — not a loss. Your starting balance for next year is your new floor. This is called "annual reset."
What is a floor and cap rate in an IUL?
The floor is the minimum interest you can earn in any given year — most policies set this at 0%, meaning you can never lose cash value due to market performance. The cap is the maximum interest you can receive, typically ranging from 9% to 13% depending on the carrier and policy. The floor/cap structure is how insurers balance the risk-sharing equation between you and them.
Is my money actually at risk in the stock market?
No. Your premium is not invested directly in the market. The insurance company holds your cash value in their general account (backed by bonds and other conservative instruments) and uses financial derivatives called options to provide index-linked crediting. You receive the benefit of market-linked growth with zero direct exposure to market downturns.
How does tax-free retirement income work with an IUL?
When your IUL builds sufficient cash value, you can access it through policy loans — which are not considered taxable income by the IRS. You're borrowing against your policy, not withdrawing it. As long as the policy remains in force, these loans are never taxed, even if you never pay them back. Done properly, this creates a stream of tax-free retirement income that doesn't affect Social Security calculations or Medicare premiums.
Can I access my cash value before retirement?
Yes. Most IUL policies allow you to access your cash value through withdrawals (up to your basis, tax-free) or policy loans at any age, without penalties, as long as the policy stays funded. This is one major advantage over 401(k)s and IRAs, which penalize early access before age 59½. Many clients use their IUL for down payments, college tuition, emergency funds, or investment opportunities.
How does an IUL compare to a 401(k) or Roth IRA?
Each has its place. A 401(k) offers employer matching (hard to beat) and pre-tax contributions. A Roth IRA provides tax-free growth with contribution limits ($7,000/year in 2024). An IUL has no contribution limits, no income restrictions, market-linked growth with downside protection, a death benefit, living benefits, and tax-free access. For high earners and business owners who have maxed out other accounts, an IUL fills the gap that traditional vehicles leave behind.
What happens if I miss a premium payment?
Unlike term insurance which lapses immediately if you miss a payment, IULs have flexible premium structures. If you have accumulated cash value, the policy can often pay its own costs for a period. Many carriers also offer a grace period. However, underfunding an IUL over time can cause it to lapse, so it's critical to work with a broker who designs the policy properly from the start — which is exactly what I do for every client.
Who is a good candidate for an IUL?
IULs work best for individuals who: have a long time horizon (10+ years), are in higher tax brackets and expect to be in retirement, have already maxed out 401(k) and Roth IRA contributions, want downside protection alongside growth, have a need for a permanent death benefit, are self-employed without employer-sponsored retirement plans, or want living benefits (chronic illness, critical illness, terminal illness riders). They are not ideal for people who need coverage for only 10-20 years or have limited monthly budget flexibility.
Are IUL death benefits tax-free?
Yes. Life insurance death benefits — including those from IUL policies — are generally received by beneficiaries completely free of federal income tax under IRC Section 101(a). This is one of the most powerful tax advantages in the entire U.S. tax code. Combined with tax-free cash value growth and tax-free policy loans, the IUL is often called "the triple tax advantage" — the only financial vehicle that offers all three simultaneously.

Four Steps to Complete
Peace of Mind

1

Free Consultation

We 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.

2

Needs Analysis

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.

3

Carrier Shopping

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.

4

Placement & Support

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.

Request Your Free Quote

Let's Find Your Perfect Policy

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Get in Touch

407-701-5506Call or text anytime

[email protected]Response within 1 hour

Orlando, FloridaServing all 50 states remotely

trentmcrae.com

Office Hours

Monday – Friday8:00 AM – 7:00 PM
Saturday9:00 AM – 3:00 PM
SundayBy Appointment
TimezoneEastern Time (ET)

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