Your right to change your mind in Indiana
Indiana requires a 10-day minimum free look on individual life policies: you may return the policy to the insurer, the producer who sold it, or any agent of the insurer for a full refund of all money paid, and the provision must be printed prominently on the policy’s first page (Indiana Code 27-1-12-43).
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.
Where protecting the whole mortgage is genuinely affordable
Indiana’s median owner-occupied home is worth about $243,500 — the most affordable of the ten states Ken serves. That flips the usual coverage conversation: instead of asking “how much protection can the budget bear,” many Indiana families find that covering the entire mortgage, and then some, fits comfortably inside a normal monthly budget.
Ken’s illustration-first approach shows that number in writing before you commit to anything, compared across multiple A-rated carriers. And Indiana’s refund rule is unusually practical — the statute lets you return the policy to the agent who sold it, not just mail it to a home office.
How working with Ken works in Indiana
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 Indiana: 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 Indiana is worth about $243,500 (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 Indiana are handled by the Indiana Department of Insurance. Ken will always tell you plainly which carrier an illustration uses so you can verify it yourself.