We help protect your family!
What is life insurance?
Life insurance is financial protection that helps you provide for your loved ones after your death. Maybe you’re a breadwinner for the family, your family may not be able to sustain the lifestyle they currently live without your income. They may not have enough money to keep up with the continual rise in costs of goods. Maybe you’re not the breadwinner, maybe you just know that coming up with an unexpected $10-$15,000 might be stressful for your loved ones if something did happen to you. Upon your death, life insurance will pay to your decided beneficiaries a “death benefit”. The nice thing about life insurance is that this pays to them tax free. There are also options for living benefits, in the event you become disabled, critically or chronically ill you can access a portion of your life insurance.
Serious Question?
Are you the type of person to put your family and others first? Not a lot of people really like to take the time to prepare and plan for worst case scenarios. While there is no amount of money that can replace our loved ones, having financial protection in place for your family can reduce their burden if something does happen. Here are a few basic facts about life insurance -and how it works-to get you started on the right path see below..
What types of life insurance are available?
Term Coverage
Term life insurance is a cost-effective option when you need the protection for a set amount of time. Maybe to cover a mortgage or something of that nature. It offers affordable protection, for a set period with level premiums. If something happens to you during that period your loved ones will be protected.
Permanent Coverage
Permanent life insurance can be more complex. Most people prefer permanent life insurance because it is indeed permanent and there are a lot of benefits to you while still living. There are two types of permanent insurance policies: whole life and universal life. Both can be structured
several different ways to fit any scenario. These are the only type of policies that provides cash value. There are also options to include living benefits as well so that you may access money early in the event of a terminal, critical or chronic illness.
Accidental Coverage
Accidental life insurance provides protection specifically in the event of an accident. This can be a great option to supplement other insurance and provide a bigger cushion.
Let's get your family protected!
Life insurance is based on your age, health and gender. To delay coverage will raise the cost as time goes, and leaves the door open to potential health ailments.
How Much Coverage Do I Need?
Experts recommend, that you get coverage that is equal to 10-12x your annual income.
Our Customers
I had a great experience with KC Family Advisors. I had decided it was time to get some life insurance after a recent family member's death, and they were fast, efficient and I got an answer the same day. Highly recommend!
To my surprise KC Family Advisors was able to provide additional coverage for less than my old policy. I made the switch to the plan they recommended, from a major carrier. I could not be happier...
With my recent health condition, I was concerned I could not qualify. However KC Family Advisors was able to qualify me for the coverage I wanted, and was within my budget. I am ecstatic. Thank you so much.
Put You & Your Family in Good Hands
We are licensed, independent advisors who work for YOU, not the insurance companies. You can trust us to help you navigate each step of the buying process. We take the time to answer your questions, provide FREE quotes, and determine the coverage amount that is right for your situation.
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