"There are only 2 ways to create income... People at work, and Money at Work."


"Insured Paychecks"

Insurance & Income Plans

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.


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.

Let's say you make $50,000 a year, and you plan on working 30 more years until you retire.  That's $1.5 Million!  And that assumes you don't have pay increases during your working life!  Do you have any other assets worth $1.5 Million?  That asset needs to be insured, just like your other assets are.

So, that is why I named my website "Insured Paychecks".  I have focused my insurance practice on helping people insure what most should consider 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 highly-rated insurance carriers.  

Please review the various sections of my website for helpful information related to your financial security and retirement issues.  

Let me know if I can answer any questions, and thank you for visiting!  

C. Wayne McCullough, LUTCF
Managing General Agent

(To find out more about Wayne McCullough, visit the "About Us" section.)



Enter your information (resident state, DOB, etc), and see rate estimates for many companies, based on the information that you enter about yourself.  If you need help, just give me a call or email me (Wayne@InsuredPaychecks.com).

INSURANCE 101:  Life Insurance, Disability Income, Long Term Care
Click this link for lots of information on insurance and other financial issues.  Whether you're single, married, with or without kids, an "empty nester", a business owner or whatever, you'll find helpful information (source:  LifeHappens.org).


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

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

Wayne McCullough, LUTCF

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

(901) 758-8886 office (901) 488-1399 cell (800) 410-8075 toll free

 "There are only 2 ways to create income... People at Work, and Money at Work." 

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Important Information

Licensing and Disclaimers

License numbers:  

TN 318787

AR 1677843

KY 832427

NC 1677843

MS 10619557

Disclaimer:  This site is not to be construed as an offer of insurance or a solicitation of such in jurisdictions where not allowed.  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.  

Life insurance and annuities are insurance products, NOT BANK PRODUCTS, and therefore not covered by FDIC coverage.  Any mention of guarantees on this site are those guarantees included in the actual insurance contracts offered by the insurance carriers that I represent, and are based on their claims-paying ability.   

In all cases, the suitability for products and services that may be offered to you are of utmost importance to us. 

Special note:  Many of the links on this site are directed to a consumer educational site known as LifeHappens.org, 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 on their website.  You can find great information at their website to help in your planning, so visit them often at www.LifeHappens.org.  

Thank you!


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.  These notices will tell you how each company handles privacy issues in great detail.  You should read these notices to review your rights.

 I will NEVER sell any personal information given to me.  I will not distribute any of your personal information, other than as mentioned above to appropriate participants in the process of underwriting your insurance application.

 This website uses "cookies".  By continuing to use this site, you accept our use of cookies.  The only thing that I track is the number of visitors to my website, not their contact information.  

If you want to contact me, please email me, call me, or fill out the "Contact Us" section information.  For additional privacy notice information, please click here.  

If you have questions or concerns, please contact me.   In all cases, I will take at least as much care in dealing with your personal information as I would with my own.  

Thank you.