“42% of Americans say they’d struggle financially within six months if their household’s primary wage earner died.
But 100% of them are still spending more on brunch than life insurance.”
Our Services
Protecting Your Family Shouldn’t Feel Like Rocket Science.
At TMWR Agency, we keep it simple: you’re here because you care about your people and you don’t want to leave them financially wrecked when life takes a left turn.
That’s why we offer three straightforward ways to cover your oh no moments—whether it’s securing your family’s future, protecting your home, or making sure your funeral doesn’t become someone else’s financial nightmare.
You worry enough already. We’ll worry about tomorrow with you.
“I used to see GoFundMe funeral pages and think, ‘That’ll never be me.’ TMWR made me realize I was one distracted driver away from being that guy. Now I’m covered.”
Indexed Universal Life (IUL)
The “Grow Your Money While You Sleep” Plan
This isn’t your grandma’s boring life insurance.
An IUL gives you lifelong coverage and builds cash value over time—meaning you can protect your family and stack money for your future.
Translation:
It’s life insurance with a built-in savings account that actually grows.
Why people love it:
• Tax-free cash value accumulation
• Flexible premiums & death benefits
• Your money grows with the market—but never loses when the market crashes
Why we offer it:
Because building wealth and protecting your family shouldn’t be two separate, anxiety-inducing tasks.
Who it’s for:
• People who want to protect their family & grow cash at the same time
• High-income earners who want tax advantages
• Anyone who wants their money working harder than they are
Mortgage protection insurance
The “Don’t Lose the House” Plan
You worked your butt off to buy a home—don’t leave your family scrambling to keep it if something happens to you.
Mortgage Protection Insurance is a term life policy designed to pay off your mortgage if you die unexpectedly.
It’s peace of mind that your family won’t lose the roof over their heads when life does what life does.
Why people love it:
• Affordable premiums
• Coverage tailored to your mortgage balance & term
• No medical exams for many policies
Why we offer it:
Because your family shouldn’t have to mourn and move out at the same time.
Who it’s for:
• Homeowners
• Families who don’t want to risk losing the house
• People who lowkey panic about everything (but never about this)
final expense insurance
The “Don’t Leave a Mess Behind” Plan
Let’s be real—funerals aren’t cheap, and GoFundMe shouldn’t be your family’s financial strategy.
Final Expense Insurance is a small, simple policy that helps cover funeral costs, medical bills, and leftover debts so your loved ones aren’t left picking up the pieces.
Why people love it:
• Easy to qualify (even with health issues)
• Affordable premiums
• Quick approval process
Why we offer it:
Because your family should be grieving you—not figuring out how to pay for your casket.
Who it’s for:
• Seniors looking for peace of mind
• Families who don’t want financial stress added to their loss
• Anyone who doesn’t want to become a GoFundMe link
Contact us
Not Sure What You Need?
That’s cool.
Most people don’t wake up thinking, “You know what sounds fun? Buying life insurance today.”
Fill out the info below and we’ll help you figure it out—no pressure, no jargon, no guilt trips.