Empowering Your Financial Future | Kizhaya Roberts

Office: (346) 244-5993

LIFE INSURANCE

Taking steps towards a secure tomorrow for your family

No health exam REQUIRED

Cash Back Options Available

Protect your mortgage

income replacement

leave a family legacy Behind

I’M Kizhaya Roberts

Licensed Broker & Senior Field Underwriter

It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.

I’M Kizhaya Roberts

Licensed Broker & Senior Field Underwriter

It's not about how much life insurance you need. It's about how much life insurance your family or loved ones need when you're not here.

Let's Talk

Check out rates from leading insurance companies in the country.

Life Insurance Explained

Life Insurance is an affordable way to ensure your family is protected in the event you are no longer here and able to. Life Insurance can help with things like cover your mortgage, take care of college tuition, ensure final expense are handled and so much more. Get a Personalized Quote today! We will be happy to show you the option that is best for your situation

Types of Life Insurance:

Term Life Insurance

This plan covers a set term, like 10, 20, or 30 years. The beneficiaries receive the death benefit if the insured dies within this period. It's cost-effective but only pays if death occurs during the policy's term.

Whole life Insurance

This insurance covers the insured for their entire life, given the premiums are paid. It offers a death benefit and accumulates a cash value over time, which can be accessed by the insured.

Universal life Insurance

This permanent life insurance offers the flexibility to modify the premiums and death benefits. It also accumulates a cash value that can be used by the policyholder.

Accidental Death Insurance

Accidental Death insurance is coverage is for non-natural deaths only. It does not cover deaths caused by heart attacks, strokes cancer, etc. This is a great add-on product to other types of life insurance.

Cash Back Term Insurance

Cash Back Term insurance is a form of term insurance that returns all premiums back to the insured at the end of the term. This product is also knows as ROP Life Insurance (Return of Premium).

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Benefits of Working with
Kizhaya Roberts

Unlike some insurance advisors who are limited in their offerings, Kizhaya partners with multiple insurance companies to provide you with an array of options. Whether you're looking to cover funeral expenses, secure your home loan, or plan for retirement, consider Kizhaya your comprehensive one-stop shop for all your insurance requirements.

LEARN ABOUT Kizhaya Roberts

Wide Product Range

Some insurance providers will only have access to a limited number of insurance carriers. Kizhaya works with a broad range of insurance companies, offering you a variety of options. From funeral costs to home loan protection and retirement planning, consider it a one-stop shop for all your insurance needs.

Diverse Expertise

Kizhaya is well-versed in all types of life insurance. With a wealth of options at your disposal, Kizhaya will guide you to find the insurance policy that best fits your unique requirements.

Deep Knowledge

With extensive experience in the field, Kizhaya knows the intricacies of life insurance policies inside and out. Trust in Kizhaya to help you discover the ideal match for your insurance needs.

Hassle-Free Experience

Navigating the world of life insurance can be complex, but not with Kizhaya on your side. Offering a hassle-free experience, Kizhaya simplifies your search by comparing multiple policies and clearly explaining their terms.

Customized Service

Kizhaya believes in offering personalized solutions tailored to your specific goals and needs. Through a deep understanding of your overall situation, budget, and future aspirations, Kizhaya partners with you to select a policy that both protects and empowers.

Why Buy Life Insurance?

Let's face it, life feels expensive — and that's because it is. According to the U.S. Bureau of Labor and Statistics, an item that cost $1,000 in the year 2000, now costs $1,750.

That's OK news if your household income increased at the same pace or more. But if it didn't, money may be feeling tight. And that translates to pressure should an unexpected event occur — like loss of an income earner or caregiver.

The traditional thought of life insurance being needed only for the breadwinner is a misconception. All members of the family should have life insurance protection. The monetary impact can be significant if you lose a loved one.

It's important to challenge yourself to answer a tough question: If your significant other died yesterday, how would that affect your financial situation? If the answer is a lot, then read on for three things to consider when protecting your family.

How Much Life Insurance Coverage Do I Need?

Every family has unique needs. It's worthwhile to sit down and review what you have in place to manage big risks. An easy approach to identifying your life insurance needs is to use the acronym LIFE. This stands for:

Liabilities: Payment of any outstanding debt

Income: Replacement of at least five years of your annual earnings

Final Expenses: Coverage for funeral and other end of life expenses

Education: Taking care of any education or extra legacy planning goals you have

Do I Need Life Insurance For My Kids?

Getting coverage for children is more about safeguarding their future. A child rider is a common feature of many life insurance policies.

It offers a small amount of coverage that can convert into a policy your child would own as an adult. At the point of conversion, medical questions or qualifications aren't needed.

Individual policies are also available for children. They usually offer lifetime protection and options to increase coverage during adulthood.

These policies are typically Whole Life Insurance, but can also be Universal Life Insurance policies. Both build cash value, but you do have the option of using Index Universal Life to accumulate significant cash for your child. Allow us to run options for you to see what makes the most sense for you and your family.

What's The First Step To Take?

While today's life is a bit more stressful, your financial well-being doesn't need to be. Protecting your family with life insurance is much easier than you think. Keep in mind that all policies premiums are based off of your age, health and habits and there is no one size that fits all.

If you're ready to reduce the stress of not having enough life insurance, start getting a quote today! Our agents are well versed in all aspects of life insurance products and can answer any of the questions you may have. We look forward to help you.