Bringing You
Kirk Kanenbley
Calif. Life & Health License #0M67527

Protect yourself and your family with the coverage that makes the most sense for your needs and your budget.

Get a personalized quote with Kirk by scheduling a call below.

Your life is not like everyone else's.

How you take advantage of life insurance should fit your unique needs and goals for your future and beyond.

Your life insurance strategy could include...
  • "Living Benefits" to protect you, your income, & your home equity in case of Terminal / Critical / Chronic illness.
  • Building a savings with a policy which will give you back 50% to 100% of the payments you made during the term.
  • Leaving money behind to cover lost family income.
  • Buying time for your loved ones to make wiser financial decisions, without the stress or pressure of being forced to make costly decisions because of limited resources.
  • Covering the cost of your final expenses and burial or cremation.
What you pay for insurance is determined by your age, health, and desired coverage.

That coverage should be based on what and who you want to protect.

Life insurance is something you have to qualify for, which is why we work with multiple carries. This way we can find you the best options at the best prices. By comparing carriers to one another for you, we save you time and money.

It typically takes around 15 minutes to ask you the questions which will help determine the coverage that makes the most sense for you and your budget.

The most common types of life insurance client's take advantage of...

Term or Whole Life
Strategy is key in determining coverage amounts and you can use different policies to cover specific areas of need.

Term is more affordable and many policies can include "cash back" or "return of premium", giving you all your money back in the future.

Whole Life is permanent insurance and can provide you with a fixed payment for life which will never change on you.

There are also Universal Life options which can build cash value over time and help you manage taxes during your retirement, so you have more spending power.
Mortgage Protection.
This is usually used to cover part or all of your remaining mortgage balance, so your family can keep their home or have the time to sell and keep the equity you've built.

This can also be used to cover the mortgage payment and other bills for a length of time, such as a few years, to buy your family time to sell or relocate. This way they can take their time and get the most for the home.

This way your equity is protected and your family doesn't have to make rash decisions after you pass, when they are mourning and under stress.
Final Expense
This is usually used to cover funeral & burial or cremation costs, so your family is not left with a financial burden.

Many families have to use retirement savings when there is no coverage to pay for a loved one's passing. It could take years to recover the money they had to spend, if they ever do.

Others end up taking on debt, which drags out for years. This can set your family back financially when it could have been taken care of for a small percentage of your income every month.

Many also use final expense insurance to leave some money to family or their favorite charity.
Universal Life
This is often whole life insurance with different options for different financial strategies on top of the amount of coverage protection you choose.

Some use it to build up additional money for retirement, which they can take advantage of and not pay taxes on it until after they pass, which gives them higher cash flow when they need it.

Some strategies are used to take advantage of market gains without risking any loss when the market goes down.

Some strategies use policies that pay dividends to build up your assets. Many small business owners take advantage of these to build cash flow they can tap into for their business.
Medical Supplements
These are medical supplements for age 64 and under to cover medical costs you are paying for out of pocket. Options are available for individuals and families.

There is also lump sum pay outs for diagnosis of Heart Attack, Stroke, or Cancer. If any of these run in your family, you know how costly life can get after an incident or diagnosis.

There are also options for coverage on Accident. Hospital Costs, ,Dental, and Vision.
Coming Soon - Medicare & Medicare Supplements
We will be able to show you your Medicare and Medicare Supplement options in February.

As you know, there are a lot of important decisions to be considered and made in choosing Medicare and Medicare Options, it's almost like putting a puzzle together with pieces missing.

We'll help you see a clear picture of what your available are.

We Primarily use Simplified Options, which means no medical exams or blood/urine tests.

  • This means No blood or urine tests, No nurse and No needles.
  • We simply go over a health questionnaire which includes past and current medical conditions. And we go over your current prescriptions to get an accurate quote for you.
  • We make it easy to schedule a time for a personal call to discuss coverage, or will meet with you in your home if you prefer not to meet over the phone.

These are State Regulated Insurance Programs.

  • All off the insurance carriers and policy options you'll see are approved by the California Department of Insurance.
  • Our state licensed field agents are like brokers, they work with multiple A rated, well established Insurance Carriers in order to have more choices to meet your needs and budget.
  • Insurance costs take into account age, health, & other factors including prescription medications.
  • Working with multiple carriers gives us more options to help those with health challenges or specific prescriptions which some carriers will decline you over, while others may not. Underwriting guidelines vary from carrier to carrier.

What to expect when we talk over the phone.

  • You'll tell us who and what are important to you.
  • If you do not already have a desired coverage amount, we'll ask questions to help you determine what is important to you to cover and what is not.
  • Our goal is to help you identify the coverage strategy that works best for you and comfortably fits your budget.
  • We'll go over some health and other questions to get a profile together to determine the best and most affordable carriers for you.
  • If you decide on a quote that meets your goals and fits your budget, we can submit a request for coverage for you.
  • We may get an instant approval from the carrier, or it may take a few days to a week in some cases. Once you are accepted, you'll have coverage while you take the next 30 days to think about it and change your mind or change your coverage and premium payment amount.

If you have any questions and would like a call, or would like to schedule an appointment, click the button below.

Online Quotes for Term and Whole Life

In a hurry?
Use the form below to get an online quote for up to $2 million in term life based on what you quallify for, right now in the privacy of your own home.
You'll also be able to get a quote on Whole Life or Final Expense.
If you already know how much coverage you want, use the form below to find out what you may qualify for.
If you are looking for $500,000 or less in coverage, contact me as I may have another carrier with a lower price than what you'll get in the online quote tool.
Bringing You
Kirk Kanenbley
Calif. Life & Health License #0M67527
Copyright 2022
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