Kirk Kanenbley -

Life & Health Agent

California Insurance License #0M67527

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I hear these questions often. I made some short videos below to answer them.
Insurance is based on current age and health, as well as desired coverage.
When we talk, we'll be focused on the coverage you want that fits your budget.
It all has to make sense for you. And your needs will always come first.

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

Watch a quick video below to learn about Life Insurance Types and more...

Video on Term and Whole Life
Quick video with Kirk Kanenbley on how Strategy is key in determining coverage amounts and you can use different types of policies to cover specific areas of need.

Term and Whole Life policies are the 2 main types of life insurance used.

There are new products coming out periodically.
Did you know some policies have "money back" or "return of premium" now for those who qualify?
Video on Mortgage Protection.
A short video with Kirk on Equity & Mortgage Protection. This is usually used to cover part or all of your remaining mortgage balance, so your family can keep their home or sell it and secure your equity.

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.

Mortgage Protection is a great way to help your family avoid making rash decisions after you pass, when they are mourning and under stress.
Video on Final Expense
Quick video on how important Final Expense coverage is to help your loved ones avoid financial burdens. This is usually used to cover funeral & burial or cremation costs, so your family is not left with a financial burden. Kirk gives a quick explanation.

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

This can set your family back financially when it could have been taken care of for a small percentage of your income every month.
Video on Universal Life
Quick video with Kirk Kanenbley on how Universal Life. This is often whole life insurance with different options for different financial strategies.

Some use it to boost their cash flow in retirement, postponing paying taxes until after they pass.

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.
Video on Simplified Options - No medical exams or blood/urine tests.
Quick video with Kirk Kanenbley on Non-Medical Exam coverage. We simply go over a health questionnaire which includes past and current medical conditions. We go over your prescriptions to get an idea of which carriers would be best for your needs and your budget.

We make it easy to schedule a time for a personal call to discuss coverage, so you stay safe at home.
Medical Supplements
These are medical supplements for age 64 and under to cover medical costs you are paying for out of pocket.

There 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 expect to be able to show you your Medicare and Medicare Supplement options soon.

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 options are.
These are State Regulated Insurance Programs.
  • All of 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 or would like to schedule a call with Kirk Kanenbley, click the button below.

Get a Full Online Quote in around 10 minutes without talking to anyone...
In a hurry?
Use the button for the online form to get a quote for up to $2 million in term life based on what you qualify for, right now in the privacy of your own home.
After you fill in the form, you may be able to apply and lock in your coverage immediately.
You'll also be able to get a quote on Whole Life or Final Expense.
If you are looking for $500,000 or less in coverage, contact Kirk Kanenbley. We work with multiple carriers and often have another carrier with a lower price than what you'll get in the online quote tool, for $500,000 or less.

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Calif. Life & Health License #0M67527
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Contact Info for Kirk Kanenbley
Office: 909-498-4822
Direct: 909-923-1160
Mobile: 909-706-5737
Located in Pomona California.
Serving all of California.
Calif. Life & Health License #0M67527