Get your affairs in order, simply
Coverage built for the years that matter most — so your family is left with peace of mind, not a pile of details. Plain English, no pressure, and no medical exam on many plans.
Independent
Multiple A-rated carriers, not one company
See your numbers
A real illustration before you decide
Talk to Ken
A person, not a call center
No pressure
Free call, your decision, your timing
The basics
Coverage made for this season of life
Critical Period insurance is straightforward life insurance for the season of life when things should be in order. It’s built so your family isn’t left carrying end-of-life costs — free to focus on celebrating your life, not covering the bills.
This is bigger than a single line item. Depending on what you want, it can cover end-of-life costs, leave a little something behind, or help settle small debts — sized to your wishes, not a one-size box.
Most of all, it’s meant to be clear. You shouldn’t need a translator to understand your own policy, and you’ll never get a hard sell from me.
How it works
How simple it really is
Tell me what you want it to do
Cover final wishes, leave a gift, handle a small debt — we start from what you want, not a script.
Pick a comfortable amount
We size the coverage to those wishes and to a premium that fits your fixed budget.
Qualify the easy way
Many plans need no medical exam — just a few health questions — so approval is often quick.
What you get
What you can count on
- Coverage designed for this season of life
- No medical exam on many plans
- Level premiums that don’t increase as you age
- A benefit your family receives quickly, with less red tape
This is likely a fit if…
- You want your affairs in order and your family spared the burden
- You want a plan your family can act on without confusion
- You’d rather keep it simple and affordable
It might not be the right fit if…
- You need large income replacement for dependents — a different policy fits better
- You want a cash-value investment vehicle
Not sure which way you lean? That’s exactly what a quick, no-pressure conversation is for.
Common questions
Critical Period — questions people ask
The honest answers, up front. Anything else, just ask Ken.
End-of-life costs, a small debt, a gift left behind — it’s about peace of mind however you define it. We size it to what you actually want it to do.
Often not. Many plans use a few simple health questions instead of an exam.
On the plans I recommend for this, your premium is designed to stay level — it won’t climb on you as you get older.
It depends on your age and health, but there are real options at this stage of life. I’ll run an illustration so you can see them plainly.
Beyond insurance · Membership, not insurance
Legal & identity protection
Ken also offers LegalShield memberships for families and businesses — steady access to a provider law firm for advice, letters and calls, document review, and will preparation, plus IDShield identity protection.
Critical Period
Coverage for the years that matter most
Simple, honest protection for the season of life when things should be in order — peace of mind for you and your family. No jargon, no pressure, and no medical exam on many plans.
- Coverage sized to your wishes — end-of-life costs, small debts, a gift left behind
- Plain English — you shouldn’t need a translator for your own policy
- No medical exam on many plans
No pressure, ever. We’ll go at your pace and you’ll see your options in plain English.
Availability varies by state.