Life Insurance

getting to know

Life Insurance

Life insurance offers payments after your death to your children, spouse, family members or any other beneficiaries. It’s an important safety net if anyone depends on you financially. A life insurance payout can be used to cover debts including mortgage and college loans as well as replace your income. There are two main types of life insurance (term and permanent) and deciding which is best for you depends on the financial burden your death causes for others.

We Make Getting Life Insurance Easier

Buying life insurance can be quick and easy. We’ll walk you through the process and help get the right amount of coverage for you and your family.

Diffetrent Types of Life Insurance - Retirement Insurance

Get Insurance That Is Right For You

There are different types of life insurance.

Term life insurance. It covers a limited time period, such as 10, 20 or 30 years, and doesn’t build cash value. If you die within the term of your insurance, your beneficiaries receive the payout.

Permanent life insurance. It covers more than term and offers additional features including cash value that you can borrow against. Whole life, universal, and variable are among the best-known types of permanent life insurance.

How much life insurance do you need?

That depends on how much money you want your beneficiaries to receive. Ten times your annual income is a common estimate. When deciding, take into account your finances and future obligations, such as income, debts, and daily expenses.

What do I need to apply for life insurance?

You’ll likely need to provide information about your health and complete an in-person examination. You may also be required to submit information on your lifestyle, hobbies, and beneficiaries as well as your family’s medical history.

What our clients are saying

  • Eryca & Natali were exceptionally helpful. With this being my first time ever having to do this with never being taught they made the process smooth and less stresssful. They are very professional and I would definitely recommend them.

    Jay Avatar Jay
    November 14, 2023

    KIG WAS amazing, super helpful, answered all of my questions and got back to me in a timely manner. Anthony was my agent- the best the have. Highly recommend working with Anthony. Hes timely, responsive, respectful, and makes sure you truly understand your plan. Thank you KIG!

    Amanda Landers Avatar Amanda Landers
    October 20, 2023

    Eryca is Always happy to help me out with anything ..she’s made things for me so much easier..

    Frankie Irizarry Avatar Frankie Irizarry
    October 20, 2023
  • I have only had the best experiences with this insurance group.

    Marissa Helman Avatar Marissa Helman
    October 20, 2023

    Great insurance office great ppl very helpful

    Asi Loloi Avatar Asi Loloi
    October 20, 2023

    We found out we’re expecting and they helped us get the insurance and went the distance to find accepting doctors in our area! Highly recommended, made a stressful scenario go by with ease!

    dean albright Avatar dean albright
    August 20, 2023
  • My agent Crystal Middleton is a Godsend. She has helped me thru all my paperwork. Were it not for her I would be totally lost.Thank you for everything Crystal God Bless You...

    Charles Burton Avatar Charles Burton
    July 20, 2023

    Eryca was amazing and so much help a special thank you to her she was so patient especially because my English is no good great communication skills I really appreciate her -Hagit mamia

    Baking with Avigail Avatar Baking with Avigail
    July 20, 2023

    Excellent service. Crystal is very knowledgeable, professional & personable. All my options were explained & all my questions answered. I have and will continue to refer friends and family.

    Pietrina Pensabene Avatar Pietrina Pensabene
    July 20, 2023
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