Your right to change your mind in Nevada
Nevada law gives you 10 days from delivery to return a life insurance policy for a refund of everything paid, including policy fees and other charges. If the policy replaces an existing policy or contract, the window extends to 30 days (NRS 688A.165).
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.
A neighbor, not a call center
St. George sits a short drive from the Nevada line — Mesquite is up the road, Las Vegas under two hours. For Nevada families that means Ken is functionally a local agent: same time zone, same highway, and for much of southern Nevada, an in-person meeting is realistic rather than theoretical. The rest of the state gets the identical process by phone or video.
Nevada’s refund rule is also one of the cleaner ones — the statute spells out that your refund includes policy fees and other charges, not just base premium, and doubles the window to 30 days when you’re replacing existing coverage. With the median Nevada home at about $455,500, most conversations start with mortgage-sized protection.
How working with Ken works in Nevada
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 Nevada: 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 Nevada is worth about $455,500 (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 Nevada are handled by the Nevada Division of Insurance. Ken will always tell you plainly which carrier an illustration uses so you can verify it yourself.