Your right to change your mind in California
California requires a free-look period of no less than 10 and no more than 30 days — the exact window is set by the insurer and printed on your policy (Insurance Code 10127.9). If you’re age 60 or older, California law extends that to at least 30 days, with a full refund of premiums and policy fees (Insurance Code 10127.10).
Ken’s approach makes the free look a backstop, not your first real read of the terms: the illustration comes first, in plain English, before you ever apply — so by the time a policy is delivered, nothing in it should surprise you.
California’s extra protection for buyers 60 and older
California is one of the few states that writes a bigger free look into law for older buyers: purchase at age 60 or older and you get at least 30 days to return the policy for a full refund — three times the common 10-day standard. For families helping a parent sort out coverage, that window removes a lot of the pressure from the decision.
California’s median owner-occupied home is worth about $759,500 — among the highest in the country — which changes the coverage math. A policy sized for a typical mortgage elsewhere can leave a large gap here, so Ken starts California illustrations from your actual mortgage balance and monthly obligations, not a national average.
How working with Ken works in California
Ken Kaneversky is a licensed independent agent (NPN #22128544) — independent meaning he works with multiple A-rated carriers instead of selling one company’s products. The process is the same everywhere in California: a plain-English conversation about what you’re protecting, then a free personalized illustration built around your situation, then a decision made on your schedule. Phone and video cover every step; many carriers offer no-exam options.
For context as you size coverage: the median owner-occupied home in California is worth about $759,500 (U.S. Census Bureau, 2024 American Community Survey). For most families the mortgage is the single largest obligation their coverage needs to answer for — which is why illustrations start from your actual balance, not a national rule of thumb.
Consumer questions, license verification, and complaints in California are handled by the California Department of Insurance. Ken will always tell you plainly which carrier an illustration uses so you can verify it yourself.