Your right to change your mind in Texas
The Texas Department of Insurance states that Texas life policies have a free-look period of at least 10 to 20 days — during that time you may cancel for any reason and receive a full refund. The exact window for your policy is printed in the policy itself.
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.
Big state, simple process
Texas is the largest market Ken serves, and the process is deliberately the same everywhere in it: a plain-English conversation, a personalized illustration compared across multiple A-rated carriers, and a decision made on your schedule — whether you’re in Houston, El Paso, or a town the interstate skips. No office visit required at any step.
The median owner-occupied Texas home runs about $313,200, but Texas budgets vary as much as Texas geography — which is exactly why Ken starts from your actual mortgage balance and obligations rather than a statewide average, and why the illustration comes before any application.
How working with Ken works in Texas
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 Texas: 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 Texas is worth about $313,200 (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 Texas are handled by the Texas Department of Insurance. Ken will always tell you plainly which carrier an illustration uses so you can verify it yourself.