Life Insurance is about protecting those we love most!

#WhatWeDoMatters

I don’t represent the insurance carriers; I actually represent you the client! My job is to find the best coverage at the most affordable price available to each person according to age and health offering day one coverage for most.

Insurance Types

Do you have the right type of insurance?

Term Life

Term Life provides life insurance protection for a specified period of time. Term Life is usually best for younger individuals or families with more expenses that will need to be covered if the main income earner passes away.

Whole Life

Whole Life is a form of permanent life insurance that remains in force for your entire lifetime, provided premiums are paid as specified in the policy. Premiums also remain level, as does the coverage amount.

Universal Life/Flexible Premium Adjustable Life

Universal Life/Flexible Premium Adjustable Life is really just a mixture of both Term Life and Whole Life Insurance, characterized by its flexible premiums, face amounts and unbundled pricing structure. The savings element, premiums, and death benefit can be reviewed and altered as a policyholder's circumstances change. his type of policy typically the most unknown variables.

Guaranteed Whole Life

Guaranteed Whole Life (2 Year Wait) is typically only issued if someone has underlying health conditions that would prevent any type of immediate coverage options. These types of poliies are typically advertised on TV ads, radio ads, and flyers in the mail and require minimal, if any, health questions to be answered.

Accidental Life

Accidental Life is a common type of insurance coverage for many Americans. It's known for it's low monthly premiums and higher pay out if you pass away due to an accident. Most people, however, are not aware that they can get this same type of coverage at little to no charge when bundled with a Whole Life policy.

A Little About Me

Kay Gilbert, MBA

Originally from Lafayette, Louisiana then relocated to Southern California where I married, raised 3 children and worked in the financial industry. I eventually completed an MBA as an adult re-entry student and graduated summa cum laude in 2015.

breast cancer ribbon

Weeks later I was diagnosed with late stage 4 breast cancer and therefore decided to move back to LA to be near my family during treatment. I'm happy to report I am well. In fact, I stand here today as a survivor and my testimony is that God is bigger than any situation that you might be facing today.

In short, you don't need a fancy degree to understand all the different types of insurance plans available. That's why I'm here. I am your local benefits coordinator licensed in the states of Arkansas, California, Louisiana, Ohio and Texas. I don't just work for one company, I actually represent all of the top carriers. I shop around and make sure that you are getting the most coverage for the cheapest price according to your current age and health.

My job is to help you get into an affordable plan and therefore I welcome the opportunity to help you get the protection your family needs and deserves!

Remember, life insurance is about those we leave behind.

Kay Gilbert

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Kay Gilbert, female agent of the year 2020
Winner of the 2020 Female Agent of the Year Award!