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

About Us


Background Information

Wayne McCullough entered the insurance business in 1974, and is licensed to do business in several states. As an independent agent, Wayne offers many different carriers for your insurance needs.  For example, if you have shopped on the internet for life insurance, you will likely see that he represents many of the companies you would have seen there.  With an independent agent like Wayne, you have the ability to "shop the market" among various companies, but also have a local agent rather than dealing with an "800 number" in another state.

He holds all appropriate licenses for the products and services that he offers, and is up to date on any and all continuing education requirements in his states of licensure.  For almost 20 years, Wayne held an additional license in securities, which allowed him to sell mutual funds and variable products.  But several years ago, he decided to concentrate only on products guaranteed by insurance companies.  His experience with various products and concepts will likely benefit you.  

Today, his main areas of planning are:

(click link above to see more info on topic highlighted)

Wayne has hosted workshops for consumers, and feels that there should be more "insurance education" for the public.  The "more you know, the more likely you will make good decisions regarding your financial security", and he is willing to take the time needed to explain the "hows and whys" of insurance planning.  He has also written training programs and hosted training workshops for insurance agents, and is an approved moderator for the Life Underwriter Training Council Fellow courses.

Wayne is also a Notary Public in the state of TN, and is happy to provide free notary services to clients there.

Professional Associations

Wayne has been a member of the National Association of Insurance & Financial Advisors (NAIFA) for over 40 years, and is a Past President of the Memphis-West TN local chapter (2002-2003).  He also served as Regional Vice President for the state association, NAIFA Tennessee, for 6 years (2010-2016), overseeing the West Tennessee region.  

He has received the following awards:

  • 2005 NAIFA Memphis Hall of Fame
  • 2012 NAIFA Tennessee "Red Adams" Award
  • 2018 NAIFA Tennessee Insurance Professional of the Year
  • National Quality Award 

He currently serves as chairman of the community service committee for the local Memphis-West TN chapter, where he has headed the "Bikes for Kids" holiday project for the last 10+ years. This project aids the Salvation Army's "Angel Tree" program, and has averaged gifts of over 60 shiny new bikes a year to needy area kids.

NAIFA began operations in 1890 as the National Association of Life Underwriters (NALU), and the Memphis chapter was started in 1910.  There are about 40,000 members across the U.S.  

For more information, visit the national website at www.NAIFA.org or the local Memphis/West TN association website at https://naifa-memphis.weebly.com/

Wayne is also a member of the American Society of Notaries, and has been a TN notary since 2016.

Professional Designations

Wayne received his LUTCF professional designation in 1987.  Individuals that hold the LUTCF® (Life Underwriter Training Council Fellow) designation have completed a program of study that includes multiple courses focused on ethics, personal life insurance, business life insurance, other insurance planning concepts, and professional business practices.  A minimum of three courses must be completed and passed, and adherence to the NAIFA Code of Ethics is also a requirement. 


Wayne is affiliated with Producers Connection, LLC, in Memphis, TN, which is an independent insurance brokerage agency that was formed in 2009 by the merger of Milestone Financial Group, Inc. and Life Associates of Memphis, Inc.  This agency serves hundreds of Mid South insurance agencies, providing products and expertise.  As a regional brokerage manager there for the last 20+ years, he has helped many other independent agents find the right product, company, and solution for their client's needs.  And, he has been doing the same thing for his personal clients for over 40 years.  Experience, Expertise, Ethics.

Personal Info

Wayne graduated from Millington Central High School in Millington, TN in 1969, and then attended Memphis State (now University of Memphis).  He entered the insurance business in 1974.

Wayne and his wife, Paula, have been married for over 30 years, and live in Shelby County, Tennessee, between Arlington and Millington.  Their daughter and son-in- law have built a new home in the Rosemark community nearby.  Wayne and Paula have recently become grandparents for the first time!

Contact Us

Drop us a line!

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Please call or email me for a free review of your needs!

Wayne McCullough, LUTCF

5865 Ridgeway Center Pkwy. #300 / Memphis, TN 38120

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