Licensed agent · Tymchuk Insurance Group
TIno Macinelli
Helping Families Do what is best for them.
Who we help
Find your situation
Pick the one that sounds most like you. TIno will point you to the right coverage.
“I don’t want my family stuck with my funeral bill.”
Final expense coverage for ages 50–85, often with no exam and fixed payments.
Final expense“My kids depend on my paycheck.”
Affordable term life that replaces your income while they grow up.
Term life“I want my family to keep the house.”
Mortgage protection that pays off the home, with optional living benefits.
Mortgage protection“I want protection that also builds value.”
Whole life and IUL for lifetime coverage plus growing cash value.
Permanent lifeFree calculator
How much life insurance do I need?
Answer a few quick questions to get a ballpark number. It uses the same method many agents use: replace your income, pay off debts, and cover final costs.
This is an estimate for education only, not a quote or advice. TIno will fine-tune it with you.
How it works
Covered in four simple steps
- 1
Tell us about you
Share a few basics like age, state and what you want to protect. It takes a minute.
- 2
Talk to TIno
TIno calls, usually the same business day, to ask a few health questions and learn your budget.
- 3
We shop the market
We compare plans from multiple carriers and show you the best options side by side.
- 4
Apply and relax
Apply by phone or video, often with no exam. TIno stays your agent for reviews, changes and claims help.
Helpful to have ready
A list of your medications · Doctor names (if any) · Your beneficiary’s name and birthday · Bank info for the first payment (only if you decide to apply)
Questions
Frequently asked questions
Do I need a medical exam?
Often, no. Many final expense, term and mortgage protection plans are approved with a few health questions and a quick phone interview. Some larger policies may ask for a short exam, usually done at your home for free.
How much does life insurance cost?
It depends on your age, health, coverage type and amount. Many families are covered for less than a dollar or two a day. Quotes are always free with no obligation.
I have health problems. Can I still get covered?
Very likely. Different carriers look at conditions like diabetes, high blood pressure, COPD or past heart issues differently. Shopping many companies is exactly how we find approvals others miss. Some plans for serious conditions have a waiting period before the full benefit applies, and we will always explain that up front.
How fast can I be covered?
Many plans are approved the same day or within a few days. Fully underwritten policies can take a few weeks. Your agent will tell you the expected timeline before you apply.
Can I buy coverage for my parents?
Yes, with their knowledge and signature. Many adult children set up final expense coverage for a parent and pay the premium themselves.
What if I change my mind?
Most policies include a free-look period (the length depends on your state) where you can cancel for a refund. After that you can cancel anytime; you just stop paying.
Why use an independent agency?
Captive agents can only sell one company’s products. We represent many carriers, so we can shop for the best price and approval odds for your situation.
Will you sell my information?
No. Your information goes only to your agent and, if you apply, the insurance company you choose. We never sell leads.
I already have coverage through work. Is that enough?
Group coverage usually ends when you leave the job and is often only 1–2× salary. Your agent can review what you have for free.
Ready to talk with TIno?
No pressure, no obligation. Just straight answers.