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About Us

Brian and Rita McRay

Genuine Care, Honesty, and 5-star Service

Brian and Rita McRay founded The McRay Agency in early 2020, just weeks before the Covid pandemic began. As we all learned during that time, life insurance is not a luxury - it is a necessity!  We have now been providing senior citizens in Nashville, Knoxville, and Memphis with exceptional life insurance services for over 4 years. Carefully protecting one family at a time, we are now serving hundreds of families across TN as well as over half the country. Over the next 4 years, our dedicated team of agents will have protected thousands of families just like yours.


With decades of experience in the faith-based, non-profit sector, they bring a wealth of client care knowledge and expertise to the insurance agency industry. Rest assured the McRay's and their agents will protect you and your family every step of the journey.


*The McRay Agency is licensed in the following states: AL, AR, CO, FL, GA, IL, IN, KY, LA, MI, MO, NC, OH, PA, SC, TN, TX, UT, VA, WV and more! 

The TMA Team of Agents

Our team of professional life insurance agents will serve your family with care, compassion, and competence every time! Our agents truly love protecting each family like their own. Each agent will meet and exceed your expectations because they want to be your agent for the rest of your life!

Mother with toddler at father's casket

Welcome to the Top-Rated life insurance carriers in America

The McRay Agency exclusively partners with only top-rated life insurance carriers. Most of these carriers have been protecting American families for over 100 years! We offer almost all types of life insurance policies currently available in the marketplace. 


And...


While we can't guarantee you will be approved for the exact policy you prefer, we will guarantee that if you are under 86 years of age, we can get you approved regardless of health. Furthermore, if you are very healthy and under 89 years of age, we can get you approved for first day protection!

How your policy protects your family

Whole Life Permanent Coverage

Monthly Price is Locked in for Life

Monthly Price is Locked in for Life

Whole Life Insurance

Your policy with will never expire. It is a "whole life" policy that will always be there to protect your loved ones. 

Monthly Price is Locked in for Life

Monthly Price is Locked in for Life

Monthly Price is Locked in for Life

Price Lock Guarantee

Your monthly premium will never increase. 

Benefits are Locked in for Life

Monthly Price is Locked in for Life

Accidental Death Doubles Payment

Policy Benefits

Your policy benefits will never decrease.

Accidental Death Doubles Payment

We Insure Everyone Without Doctor Exam

Accidental Death Doubles Payment

Double Payout for Accidental Death

If you pass away due to an accidental death, your beneficiary can automatically receive double the amount of the death benefit. 

We Insure Everyone Without Doctor Exam

We Insure Everyone Without Doctor Exam

We Insure Everyone Without Doctor Exam

No doctor exams needed

We insure everyone aged 85 or under. We insure very healthy clients up through age 89. Once approved for a whole life policy, your policy will remain in place for the rest of your life. No doctor exams are needed. 

"Life Insurance is 'I Love You' in action."


~ Brian McRay

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