Independent, not captive.
We are appointed with eleven carriers, so we bring you the one that fits rather than the one we are told to sell. If the right answer is a carrier we do not represent, we will tell you that too.
Our mission
She runs everything. Who is protecting her?
Feminine Queen Insurance Agency exists to serve feminine queens and the people who love them.
The gap nobody talks about
She is the one who remembers the birthdays and the copays. She knows which bill is due and which one can wait. She is the one the whole family calls when something goes wrong, and she is the one who figures it out.
The research says what every family already knows. Sixty-nine percent of women report being the primary financial decision maker in their household. Among married women, it is sixty percent. She is not helping with the money. She is running the money.
And then there is the other number.
Forty-six percent of women own life insurance, compared with fifty-seven percent of men. That is the widest that gap has been in the fourteen years the study has been run. Forty-five percent of women, fifty-six million of them, say they are living with a coverage gap right now. Half of them say the reason is cost, and most of them have never been told what it actually costs.
Read those two facts next to each other and the whole picture arrives at once. The person holding the family together is the person least likely to be protected.
That is not an accident. It is what happens when an industry spends decades talking past the person actually making the decision.
Sources: CFP Board, February 2025. LIMRA Insurance Barometer Study, 2024.
Why we exist
We built Feminine Queen Insurance Agency to sit on the other side of that conversation.
Not to sell her something. To tell her the truth about what she can qualify for, what it costs, and what it would mean for the people who depend on her. To answer the question before she has to ask it twice.
We serve everyone. Men, couples, parents, grandparents, business owners, anyone who walks through our door looking for coverage. Our name is not a gate. It is a statement about who the industry forgot, and about who we built this company to stop forgetting.
When you protect a woman financially, you are not protecting one person. You are protecting everybody standing behind her.
How we work
We do the homework first.
Our agents work from the carriers' own underwriting guidelines, not from memory. Before a client is quoted, we already know which carriers will take the case and which will not, so nobody wastes a week finding out the hard way.
Real people, on the phone.
Our tools help you see your options. They do not decide for you, and they do not replace the conversation. A licensed agent, a real call, and a straight answer about what you qualify for.
No pressure, and no shame.
If the answer is that you should wait, we will say so. If the answer is a smaller policy than you hoped for, we will explain why and what to do about it.
Our founder
Malcolm "MJ" Harris
Founder and Chief Executive Officer, Feminine Queen Insurance Agency, LLC
Meet our founderWhat we believe
Everyone deserves a straight answer. The most expensive thing in this industry is not a premium. It is a family who assumed they could not qualify and never asked.
Coverage is an act of love, not a transaction. Nobody buys life insurance for themselves.
Access matters more than perfection. A small policy in force beats a perfect policy nobody bought.
Women are not a niche. They are the majority of the decisions, the majority of the caregiving, and the majority of the people this industry has underserved.
Find out what you qualify for.
It takes a few minutes and it costs nothing.