743-999-5129 info@kldbrand.com

Life Insurance

Each of our clients is an individual, with different insurance needs. We are here to ensure you have only what you want. We take in consideration your budget and how much coverage you need and present to you options that will best suit your needs. We are contracted with top insurance carriers and offer competitive rates for Term, Universal, and Whole Life Insurance.

We present only your options, many of which are not available from online quoting sites.

Term Life Insurance

It is for a specific period of time only – 10, 20, 30, or 35 years in most cases.  Payments do not change or increase while coverage is in place during the specified term.  As long as the insurance premiums are paid, coverage is in place. Term Insurance is considered temporary insurance and usually purchased for a specific purpose, such as to pay off large debts (mortgage), replace income, or take care of small children in the event of death.

Whole Life Insurance

It is a form of permanent life insurance and tends to be the most expensive. Your premiums never increase and benefits never decrease. It offers a guaranteed interest rate and tax-free obligations on the cash value. No bloodwork or medical exams required. Guaranteed coverage for ages 0-85.

Indexed Universal Life Insurance

It is a type of permanent life insurance; it has a cash value component in addition to a death benefit. The money in your cash value account can earn interest based on a stock market index chosen by your insurer, such as the S&P 500 or the Nasdaq Composite. Funds do not earn a fixed rate of interest but typically come with an interest rate guarantee.  Ideal for those who need death benefit protection but are focused on cash value accumulation for lifetime needs such as supplementing retirement income.

Health Insurance

Health Insurance plans are available with several major carriers.

We are able to get you enrolled in a health insurance plan during open and special enrollment periods.

Open Enrollment – November 1 – January 15

Special Enrollment – Outside of open enrollment and must qualify with a life-changing event

We can also assist with individual dental and eye insurance.


Other Services We Offer

LegalShield Members receive legal advice on an unlimited number of personal legal issues for a monthly subscription fee. With a dedicated law firm on hand to offer legal guidance when it’s most needed, our members can make informed decisions quickly and easily without the hassle of appointments or high hourly legal rates.

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Notary services are available 7 days a week and late evenings.

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Timely and efficient bookkeeping services are available for small businesses. Plans are customized based on your company’s needs. Whether you need help getting organized or full bookkeeping services throughout the year, we have the right plan for you.

Individual and Small Business tax return preparation and filing are available. We provide individualized services to help alleviate the stress associated with tax preparation.

A budget is a plan you write down to decide how you will spend your money each month.

A budget shows you:

  • how much money you make
  • how you spend your money

We will assist with creating a detailed budget for your household. Whether it’s a short term or long-term financial goal you are trying to reach our budgeting services will help you along the way. All plans are customized to fit your personal needs.

Because you care enough to plan ahead for those you love, our Final Wishes Planning services is here to assist with all the details necessary to give you a peace a mind in knowing that all your affairs are in order for your family when that time comes.

We will help organize your life’s many details to assure that those closest to you have all they need to handle your affairs, recognize your wishes, and celebrate your life.  

Career Opportunities

Interested in a career in Insurance? We provide hands on training, competitive commissions, access to a proven sells system, and a lead program. We are seeking professional individuals who are looking for a full or part time career insurance. Contact us below.

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Office: 743-999-5129

Fax: 743-229-5718