i
Mortgage protection
You bought a house on two incomes. The question is what happens to the payment if one of those incomes stops. Coverage sized to the balance and the years left on it — not to whatever the illustration wanted to sell.
Pittsburgh, Pennsylvania
Life insurance, explained straight — then you decide.
We're an independent agency. We'll tell you what a policy actually does, what it costs, and what it doesn't cover. If the honest answer is that you don't need coverage right now, we'll tell you that too.
A first conversation takes about fifteen minutes, costs nothing, and carries no obligation. If it turns out we're not the right fit, we'll say so.
Have us reach out
Leave your number and we'll get in touch. No cost, no obligation.
01
What we believe
Most people don't avoid life insurance because they don't care. They avoid it because the process feels designed to confuse them — jargon, pressure, and a number at the end that nobody explained.
Our work is the opposite of that. We explain what a policy actually does, what it costs, and what it doesn't cover, and then we let you decide.
There's no deadline on this page, no countdown, and nobody is going to call you twelve times. If you'd rather think about it for a month, think about it for a month.
02
Who we work with
Four situations come up most. If one of these is you, you already know which one it is.
ii
Final expense
A smaller policy meant to cover a funeral, the last medical bills, and the things a family ends up putting on a credit card. Often for a parent, and often arranged by the adult child who would otherwise be paying for it.
iii
Indexed universal life (IUL)
Permanent coverage that protects your family and builds cash value you can use later, including toward retirement. We'll walk you through how the growth works, what it costs, and when it's a better fit than plain term.
iv
Families and straightforward term
Young kids, a spouse who would be left with the bills, or a term policy that is about to end. Usually the simplest and cheapest answer on this page, and usually the right one.
Not sure which one you are?
That is normal. Describe the situation and we will tell you which of these it is — or whether it is none of them.
03
What we do
- Understand the situation first. Who depends on your income, what you already have in place, and what would actually happen to your family if you weren't here.
- Explain the options in plain language. Term, permanent, and final expense coverage — what each is genuinely good at, and what it isn't.
- Handle the paperwork. Applications, medical questions, and the underwriting back-and-forth, so you're not chasing anyone.
- Stay reachable afterward. Beneficiary updates, coverage changes, and questions years later — the part most people never get.
04
When you probably don't need this
This is the part most advertising leaves out, so here it is up front:
- Nobody depends on your income, and nobody would be stuck with your bills.
- Your employer coverage already fits, and you are not leaving that job.
- You have a term policy with years left on it that still fits — keep it.
- The money would do more this year clearing high-interest debt.
Tell us any of those is true and the conversation is a short one. We would rather say so than sell you something you cancel in four months.
05
Who you would actually be talking to
Clutch Financial LLC, an independent life insurance agency based in Pittsburgh, Pennsylvania.
Independent means we are not tied to one company's shelf. The recommendation is whatever fits the situation — and if nothing does, we will say that instead.
- Direct line
- 412-559-4100
- ogradyt2122@gmail.com
No cost, no obligation
Start with a fifteen-minute conversation
No cost, no obligation, and nobody calling you over and over afterward. The phone is fastest — leave your number here if that is easier and we will reach out.
Prefer email? ogradyt2122@gmail.com
Have us reach out
Leave your number and we'll get in touch.