Independent Life & Health Insurance Broker
Protecting what matters most. Planning for what matters next.
Honest guidance, multiple carriers, and coverage that fits your family's needs and budget — without the pressure.
23 years
caring for families as a physical therapist — now protecting them as a broker.
Meet Trish Kilroy
Protecting your family shouldn't be complicated.
I believe life insurance is about so much more than a policy. It's about protecting the people you love, preserving the life you've worked hard to build, and creating financial security for the future.
Before becoming an independent life and health insurance broker, I spent 23 years as a physical therapist, helping individuals and families navigate some of life's most challenging moments. That experience gave me a firsthand understanding of how quickly life can change and how important it is to be prepared.
As a mother of two boys, I understand that protecting your family's future isn't just a financial decision. It's a deeply personal one.
Educate, don't pressure. Protect, don't oversell.Connect on LinkedIn
Educate
Clear explanations, never jargon — so every decision is an informed one.
Protect
Coverage shaped around your family's real needs and budget.
Personalize
Independent access to multiple carriers, tailored to your situation.
Coverage
Options from multiple carriers, tailored to you.
Whole Life & Final Expense
Coverage designed to last your lifetime, plus final expense plans that can help loved ones with end-of-life costs.
Term Life
Protection for a set number of years — ideal while raising kids or paying off a mortgage.
Indexed Universal Life (IUL)
Permanent coverage with a cash value component linked to a market index. We'll walk through how it works, including caps, fees, and risks.
Debt Free Life
An approach that pairs life insurance with a debt-payoff plan. Learn how it works and whether it fits your situation.
Accidental Coverage
Coverage that pays a benefit for accidental death or injury, as defined by the policy.
Not sure which fits?
Share a few details and Trish will reach out to walk through your options.
Request a Free ConsultationStart an ApplicationClient Reviews
Families who feel confident about their future.
“Trish took the time to explain every option without any pressure. For the first time I actually understand my policy.”
Jennifer M.
Term life client
“We'd put off life insurance for years because it felt overwhelming. Trish explained everything simply and helped us compare options for our budget.”
Marcus & Dana R.
Mortgage protection
“She compared several carriers for me and was honest about what I did and didn't need. I've already referred my sister.”
Linda K.
Final expense client
“As a single mom, I thought life insurance was out of reach. Trish found a plan that fits my budget and gave me real peace of mind.”
Alicia T.
Term life client
“Trish answered every question patiently — even the ones I felt silly asking. She made the whole process feel easy.”
Robert & Sue H.
Whole life clients
“After my husband passed, I saw how much having coverage matters. Trish helped me get my own policy in place without any stress.”
Carol D.
Final expense client
FAQ
Questions, answered plainly.
I work with multiple insurance carriers instead of one company, so I can compare options and recommend the coverage that truly fits your needs and budget.
Now growing the team
Meaningful work, on your terms.
Careers
Build a career that protects families.
I'm growing a team of agents who want meaningful work, flexibility, and real support. No insurance experience is required — just a heart for helping people.
Careers
What we offer new agents
I'm growing a team of agents who want meaningful work, flexibility, and real support. No insurance experience is required — just a heart for helping people.
Work from anywhere
Set your own schedule and work from home, part time or full time.
Full training & licensing help
Step-by-step guidance to get licensed and confident with clients.
Mentorship
Work directly with Trish and an experienced team that wants you to succeed.
Commission-based role
Compensation is commission-based. We'll explain exactly how it works before you decide. Results vary by individual.
Multiple carriers
Offer clients real choice instead of selling one company's products.
Purpose-driven work
Help families protect what matters most every single day.
Ready to start something meaningful?
Tell us a little about yourself and Trish will reach out for a short, casual conversation.
Free Consultation
Let's talk about your coverage.
Share a few details and Trish will reach out. Please don't include health, financial, or ID information here; that's handled securely during the carrier application.
Your details
Name, email, phone and state.
Your needs
Coverage interests and goals.
How to reach you
Your preferred contact method and time.
Get clear answers, no pressure.
It takes about two minutes. Trish will follow up to walk you through your options.
Application
Ready to apply?
Applications and official quotes are completed directly on the insurance carrier's secure site. Any personal, health, or financial details are collected there, not on this website.
Continue to Carrier ApplicationYou shouldn't have to figure it out alone.
Reach out for a free, no-pressure conversation about your coverage.