Educational sample ranges · Not quotes or offers
See the numbers before you ever get on a call
Most agencies hide pricing behind a phone number. Here’s the opposite: sample ranges for every kind of coverage we offer, in plain English, with every disclaimer intact. Look around first — then let Ken build your personalized illustration on a free 15-minute call.
Already know what you need? Skip the samples — Ken builds your personalized numbers with you.
Mortgage protection
What protecting the house tends to cost — $500K term with Living Benefits, every age group, male/female toggle.
See the sample ranges →Our reference rangesTerm life
One clean table: $500K / 20-year term by age band — healthy, smoker, and well-controlled Type 2 diabetes.
See the sample ranges →2026 market samplesCritical Period
The small permanent policies that cover funeral and end-of-life costs, plus shorter terms at 65 and beyond.
See the sample ranges →2026 market samplesWhole life
What lifetime coverage with guaranteed cash value runs at $100K and $250K — and the honest comparison to term.
See the sample ranges →2026 market samplesIUL / retirement
What funding an indexed universal life design typically looks like — mechanics first, no growth promises.
See the sample ranges →Reading guideAnnuities
How to read a real annuity illustration — the guaranteed column, surrender schedules, and what to bring to the call.
See the sample ranges →Every page above shows educational sample ranges or reading guides only — not quotes, not offers, and never a guaranteed price. Your underwritten numbers require an application and underwriting.
Samples show the ballpark. Your illustration shows your personalized number.
Ken builds it with you on a free 15-minute call — your age, your health, your goals, across A-rated carriers. No pressure, no obligation, and you keep the illustration either way.