Are you and your family properly covered in the event of death? You will have the immediate expenses for funerals, monies needed to pay the ongoing mortgage and living expenses, and children’s future education expenses. It’s never too late to consider this coverage.

KGS Insurance offers affordable temporary insurance. Term life insurance is the most cost effective method of insuring many short-term (temporary) needs and is available for 10, 15, 20, and 30 years.

We also offer permanent insurance to cover needs that last for your entire life. Whole life and universal plans are suited to meet the final expenses, estate taxes, or retirement savings protection goals you have. They cover your entire life while accruing a cash value or savings.

Planning for your retirement? Changing jobs?

KGS Insurance can establish an annuity for your retirement that stays in place regardless of your job changes. You can rollover existing IRA monies and continue to add to them, or just let them grow tax-deferred.

Our CD-type annuities offer stable, tax-deferred plans with either a single premium deposit or flexible, monthly deposits. You determine the length of annuity: 3 years, 5 years, or 7 years and you determine the amount.

You can elect to receive monies now if you are of retiring age, or defer to your later retirement age. Interest rates vary depending on amount, time chosen, and type of annuity.

Call us today at KGS Insurance for more information on your specific needs!