Life Insurance

What is Life Insurance?

  • A safeguard for your loved ones when you pass away
  •  A tax-free and probate-free lump sum to your designated beneficiary upon your passing A protection plan against financial deficit for your family

The type of Life Insurance you need, and how much you need, is determined by working with one of our agents at KRS!

Types of Life Insurance:

  • Whole life, term life, and universal life
  • Each type has differences in costs, benefits, and coverage

Things to keep in mind with Life Insurance: 

  •  Many people may not have the coverage they think A previous agent may have misled them while the facts of the contract say differently
  • Many people do not review their coverage annually and have an outdated beneficiary listed
  •  Many people do not have a plan in place until it is too late
  • Age, gender, and health conditions all factor into what products are available and the cost of the premium

Do you have young children? Do you own a home? Do you have outstanding debt? If you were to pass away, would your spouse be impacted by the loss of your income or will a loved one be left to pay the cost of your final expenses (funeral, burial, cremation)? Have you ever created or contributed to a Go Fund Me account for the sudden loss of a friend or relative who did not have a plan in place?

If you said ‘Yes’ to any of these questions, look into some form of Life Insurance coverage!

How do I know I need Life Insurance in Retirement? 

People don’t think they need coverage if…

  • house is paid
  • low to no debt
  • kids are grown

People don’t think about…

  • how will the loss of their income affect their spouse?
  • how will their family come up with the money to pay the costs of your funeral, burial, or cremation?
  •  how they can use Life Insurance tax benefits to help with estate planning
  • how to leave a legacy to their grandchildren

What if I have Life Insurance through my employer? 

Many people have coverage through their employer. It’s very important to get private coverage outside of your employee benefits.

People don’t realize…

  •  if they lose their job, retire, or quit, they’re more than likely to give up their coverage
  • the premiums are much higher the older they are and the more health challenges they have
  • the importance of reviewing their current coverage

At KRS, we help customize a tailor-made plan, specific to you and your family’s needs. We shop around to find you the right coverage at the best price. Schedule your free consultation today!

Types of Life Insurance

There are two main types of life insurance: term life insurance and whole life insurance.

Term life insurance provides coverage for a set period of time, usually 10-30 years. If you die during that time period, your beneficiaries will receive a death benefit. If you live past the term, the policy expires and you are no longer covered.

Whole life insurance covers you for your entire life as long as you continue to pay premiums. It also includes an investment component, known as the cash value, which builds up over time and can be accessed through loans or withdrawals.

Why You Need Life Insurance

You may not think you need life insurance, but there are many reasons to consider it. If you have a spouse or partner, children, or other dependents, life insurance can provide for them if you die. Even if you are single and have no dependents, life insurance can be used to cover final expenses, such as funeral costs and outstanding debts.

Questions About Your Life Insurance

Establishing a life insurance plan that provides the coverage your family needs can be tricky because there are many options available on how to structure your policy. Our team can help you navigate through your choices and make informed decisions on how to best provide for your loved ones in your absence. For a free consultation with our team, click below or call the number at the top of the page to get started.


Secure the BEST

Life Insurance

coverage now!


It’s a great experience with how this company does business, trustworthy and quick response if you have any questions.

– Anonymous

Great Experience

Kristie! Thank you so much for making this so easy for me! You were the most helpful out of all the companies I contacted and I’m glad I did business with you guys. I will contact you if I have any questions. By the way awesome signature I wish I could sign like that. Have a great day.

– Mark V.

The Most Helpful

Wow! I didn’t expect to hear back from you until next week. Talk about customer service! Thanks so much.

– Monique I.


Kristie, the pleasure is all mine. I enjoy talking to you. Thank you so much for always going above and beyond. You are a true blessing. Enjoy the rest of your day.

– Elizabeth A. E&E Concrete

Goes Above & Beyond

I am very satisfied with the service I received, the service is amazing I am very satisfied with this company. I would highly recommend him.

– Daphne Snipes

Very Satisfied

Brian Godfrey is pleasant, approachable, and knowledgeable about the subject matter.

– Jeremy Ziegler

Great Agent!

2000 S Batavia Ave., Ste 350 Geneva, IL 60134

136 West Grand Ave., Ste 249 Beloit, WI 53511

1090 South Gilbert Rd., Ste 213 Gilbert, AZ 85296

871 Coronado Center Dr, Suite 200 Henderson NV, 89052

14050 N 83rd Ave Suite A270 Peoria, AZ 85381

3275 W Ina Rd. Suite 115 Tucson, AZ 85741

2125 Biscayne Blvd, Ste 315 Miami, FL 33137

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
Please contact or 1-800-MEDICARE to get information on all your options