Term Life Insurance provides short to long-term (10 to 30 years) protection against death of the insured. The life insurance death benefit is guaranteed over the stated period of years as long as premium payments are satisfied. The insured's age, amount of death benefit coverage, the duration of the policy, and the health of the insured will determine the premium cost.

Control underwriting with competitive term pricing

We work with various life insurance carriers to obtain the best possible pricing based on your health.

We deliver competitive term life insurance pricing.

Death Benefit

Evaluate premium costs based on various death benefit amounts, term duration, and underwriting categories.


Work with various life insurance carriers to obtain the best possible pricing based on your health.


Deliver value through our carrier relationships and the collective buying power of our firm.

Protect your family

A measured and strategic approach to acquiring term life insurance is critical. This involves a thoughtful analysis of product options, the insured's health, duration for the policy, conversion rights to protect insurability, and an evaluation of underwriting standards at various life insurance carriers.

How It Works

Quote & Analysis

Gather information on the insured's health, death benefit amounts, premium budget, and quote multiple carriers.


We underwrite on a private and confidential basis with multiple insurance companies to keep you in control of the process.

Application & Exam

Apply for the term life insurance policy and take a medical exam - medical questions, blood/urine specimen, and sometimes an EKG.

Issue Policy

Issue the term life insurance policy, deliver it, and pay the initial premium due.

Copyright © 2021 TRC Financial. All rights reserved.

TRC Financial Insurance Services and affiliates are presently licensed to sell insurance and annuity products, as well as other securities products in the following states: Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nevada, New Jersey, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Virginia, Washington, West Virginia and Wisconsin. Residents of other states should consult with a local registered representative for insurance services and securities products. Proper state registration is mandatory prior to conducting business in that state. This is not an offer to sell securities, which may be done only after proper delivery of a prospectus and a client suitability review. CA License - #0E14614 \ CA License #0B40789 \ CA License #0B52893 - The principal place of business and the state of domicile for TRC Financial is: 1 Post, Suite 150, Irvine, CA 92618. Securities offered through Registered Representatives of M Holdings Securities, Inc., a Registered Broker/Dealer Member FINRA / SIPC. Check the background of this Firm and/or investment professional on FINRA's BrokerCheck. TRC Financial is independently owned and operated and is a Member Firm of M Financial. Please go to www.mfin.com and click on “Disclosure Statement” at the bottom of the home page for further details regarding this relationship. For important information related to M Securities, refer to the M Securities’ Client Relationship Summary (Form CRS) by navigating to https://mfin.com/m-securities.

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