I already have life insurance, why do I need more coverage?

Life insurance is SO important, and if you already have it, that’s great! There are a couple of reasons you might need more coverage on top of it. First, if the coverage is through your job, it’s only valid while you hold that job. You are essentially renting that insurance. If something happens and you are left unable to work, that insurance will go away. Second, by adding mortgage protection to your existing life insurance, you ensure that your life insurance policy can be used as intended, to help your family live. Mortgage protection pays off your home loan in the event of your death, so that your family can continue to live in the home they love.

What can you offer me that I don’t already have?

I can go over your current insurance with you and make sure that you are getting the best possible coverage for the best rate. A lot of the policies I can offer to you include living benefits, which allows you to use your life insurance while still living in the event of sickness. It’s your insurance, you should be able to use it when you need it.

What company do you work for?

KT Insurance is affiliated with Equis Financial, an Integrity company. This means I work with all of the major carriers such as Mutual of Omaha, Foresters, Aetna, etc.

I don’t want to get a physical done, can I still get insurance?

Absolutely! I can give you access to plans that don’t require any type of physical. For most plans, I simply input your medications, height, weight, age, major health events like heart attack or stroke, and tobacco status. This is all I need to be able to match you with a policy that works for you!