Life Insurance

The Policy They'll
Never Have to Ask For.

Life insurance is the one policy you buy for someone else. Getting it right means understanding your family's actual financial needs — not just picking a number that sounds big enough.

Get a Life Insurance Quote → 📞 Talk to Ken

Policy Types

Term vs. Permanent Life Insurance

The right type depends on what you're trying to protect and for how long. Here's how to think about it.

Term Life Insurance

Pays a death benefit if you pass away during the policy term (typically 10, 20, or 30 years). Pure protection — no cash value. Most affordable option dollar-for-dollar.

Best For

Income replacement during working years
Covering a mortgage or large debt
Young families with tight budgets
Business partners (key person coverage)

Permanent Life Insurance

Whole life, universal life, and indexed universal life policies that last your lifetime and build cash value over time. More expensive but provides lifelong coverage and financial flexibility.

Best For

Estate planning and wealth transfer
Business buy-sell agreements
Supplementing retirement income
Final expense and legacy planning

How Much Do You Need?

The DIME Method

A simple framework Ken uses to help clients calculate a realistic coverage amount — based on real financial needs, not guesswork.

Debt

All outstanding debts — mortgage, car loans, credit cards, student loans — that your family would inherit.

Income Replacement

Your annual income multiplied by the number of years your family would need support (typically until youngest child is 18).

Mortgage

Remaining balance on your mortgage so your family can stay in their home.

Education

Estimated college costs for each child, so their future isn't derailed by your absence.

Life Events That Trigger a Review

💍Getting married or divorced

👶Having or adopting a child

🏠Buying a home

💼Starting or buying a business

📈Significant increase in income or assets

👨‍👩‍👦Aging parents becoming dependents

Common Questions

Life Insurance FAQs

How much does term life insurance cost?

A healthy 35-year-old can typically get $500,000 in 20-year term coverage for $25–$40/month. Rates vary by age, health, coverage amount, and term length. The younger and healthier you are when you apply, the lower your locked-in rate. Waiting costs money.

Do I need life insurance if I'm single with no dependents?

Possibly. If you have debts a co-signer would be responsible for, aging parents who depend on you financially, or want to lock in low rates before health changes, life insurance can still make sense. Ken will give you an honest assessment — no pressure to buy what you don't need.

Is employer-provided life insurance enough?

Usually not. Group life through an employer is typically 1–2x your annual salary — and it disappears when you change jobs. Most financial advisors recommend 10–12x income. Ken can show you what it would cost to supplement your employer coverage with a private policy you own.

Can I get life insurance if I have a pre-existing health condition?

Often yes — it depends on the condition, how well-managed it is, and which carrier you apply to. Different carriers rate health conditions differently. As an independent agent, Ken can shop multiple carriers to find the most favorable underwriting for your specific situation.