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Insured Paychecks

Insurance Planning 

for Individuals and Businesses

C. Wayne McCullough, LUTCF

"Insured Paychecks?... what do you mean?"

What is your most valuable financial asset?

Think about that for a moment...  For most of us, it is NOT our home, our 401k, investments, jewelry, cars, or even money in the bank.  It's much more basic than that.

It is simply our ABILITY TO EARN A LIVING.

Why do I say that?  If you lost all of your other assets, and they were NOT insured, but you retained the ability to earn, couldn't you start again tomorrow replacing the things you lost?  

But close your eyes for a moment, and imagine losing the ability to bring home an income.  That ability can be taken away from you by death, disability, or even retirement.

So, that is why I named my website "Insured Paychecks".  I have focused my insurance practice on helping people insure their most valuable financial asset...their income.

And I've been doing that for over 40 years using quality life insurance, disability income, and retirement products from various insurance carriers.  

Please review the various sections of my website for helpful information related to your financial security issues.  Thank you for visiting, and please let me know if I can answer any questions.  To find out more about me, visit my "About Us" section (click HERE to go there now).

C. Wayne McCullough, LUTCF
Managing General Agent



Enter your information, and see rate estimates for about 100 companies, based on the information that you enter about yourself.  If you need help, just let me know.

If you have questions, give me a call or email me (


To listen to a podcast on financial security matters, click the link.  This podcast is sponsored by RealWealth Media and NAIFA (National Association of Insurance & Financial Advisors), my professional association.  There is a different financial subject every month.  Hope you enjoy, and find the information helpful.

Contact Us

Drop us a line!

Please call or email me today for a free review of your needs. Thank you!

Wayne McCullough, LUTCF

5865 Ridgeway Center Pkwy., Suite 300, Memphis, TN 38120

Phone numbers

(901) 758-8886 office
(901) 488-1399 cell

(800) 410-8075 toll free

Important Information

Licensing and Disclaimers

 License numbers:  TN 318787 / AR 1677843 / KY 832427 

Disclaimer:  This site is not to be construed as an offer of insurance or a solicitation of such.  We do NOT give tax, legal, or accounting advice, but will be happy to work with your other advisors to give appropriate advice.  The purpose of this site is to give general information that can be helpful in your financial security planning.  Any mentions of guarantees are those included in insurance contracts offered by insurance carriers, and are based on their claims-paying ability.  Life insurance and annuities are insurance products, NOT BANK PRODUCTS, and therefore not covered by FDIC coverage.  In all cases, the suitability for products and services that may be offered to you are of utmost importance to us.  Thank you!

Special note:  Many of the links on this site are directed to a consumer educational site known as, which is a non-profit organization created by related industry groups, including my professional association (NAIFA).  It was created for consumers to find helpful information for their financial security questions, and we thank them for making their information available to you at no cost.


Your privacy is of great importance to me.  If you elect to do business with me by applying to one of my companies for insurance or related products, the only people who will have access to your personal information will be those involved with the normal underwriting and new business processes of those companies.  Each year, you will receive a privacy notice from any and all financial companies that we agree to use for your insurance needs, as per current law.  I will NEVER sell or distribute any personal information given to me, other than mentioned above.  I will take at least as much care in dealing with your personal information as I would with my own.  

For additional privacy notice information, please click here. If you have questions or concerns, please contact me.  Thank you.