Your family is precious to you. It's only natural that you want to protect them - now and in the future. Keep your loved ones in focus with a life insurance policy from Kentucky Home Life. Our life insurance policies are sold exclusively through independent agents in Kentucky. We offer two primary types of insurance coverage: Individual Life and Credit Life & Disability.
There are essentially 2 reasons that people purchase life insurance-they owe someone or they love someone. The sooner, the better. It is never too early to plan for the unexpected. When you are young and healthy, your risk to insure is less, and therefore your premium, is much lower. As your life stages change (marriage, children, home purchase, etc.), you should consider modifying your coverage.
Term Insurance generally offers coverage for a temporary period (e.g. 10 or 20 years), at lower costs, with an option to convert to permanent coverage at a later date. Permanent Insurance generally offers coverage for life with a fixed premium and access to cash value.
There are essentially 2 reasons that people purchase life insurance-they owe someone or they love someone. The sooner, the better. It is never too early to plan for the unexpected. When you are young and healthy, your risk to insure is less, and therefore your premium, is much lower. As your life stages change (marriage, children, home purchase, etc.), you should consider modifying your coverage.
Term Insurance generally offers coverage for a temporary period (e.g. 10 or 20 years), at lower costs, with an option to convert to permanent coverage at a later date. Permanent Insurance generally offers coverage for life with a fixed premium and access to cash value.
Services
Kentucky Home Life Insurance Company began as Kentucky Home Mutual Life Insurance Company, in Louisville, KY in 1936.
In the 1990's, the company merged with National Guardian Life, of Madison, WI.
National Guardian organized Kentucky Home Life as a stock company subsidiary in 1998 to process their Credit Life and Disability insurance products.
In 2009, Mr. Forcht purchased the Farmers Capital Bank share of Kentucky Home Life, and is now the sole owner of the company.
Today, Kentucky Home Life Insurance Company serves policy owners through independent insurance agents in Kentucky.
In the 1990's, the company merged with National Guardian Life, of Madison, WI.
National Guardian organized Kentucky Home Life as a stock company subsidiary in 1998 to process their Credit Life and Disability insurance products.
In 2009, Mr. Forcht purchased the Farmers Capital Bank share of Kentucky Home Life, and is now the sole owner of the company.
Today, Kentucky Home Life Insurance Company serves policy owners through independent insurance agents in Kentucky.
Permanent Life Insurance is best for long term financial protection against death or other events which are expected or unexpected.
Guaranteed premiums and level protection for a lifetime along with guaranteed cash values meet changing financial objectives are the highlights of this product.
Providing the financial means to pay debts left after the loss of a loved one is very important, and doing so with tax-free death benefits is helpful.
While cash values provide flexibility to adapt, they also grow tax deferred.
Guaranteed premiums and level protection for a lifetime along with guaranteed cash values meet changing financial objectives are the highlights of this product.
Providing the financial means to pay debts left after the loss of a loved one is very important, and doing so with tax-free death benefits is helpful.
While cash values provide flexibility to adapt, they also grow tax deferred.
Your children and grandchildren are precious to you.
Life insurance is a gift that will provide every child with a head start towards a sound financial future.
You can be sure that a child's life insurance protection will be in place for the rest of his or her life with a Kentucky Home Life Insurance Company Juvenile 10-pay Life policy.
Life insurance is a gift that will provide every child with a head start towards a sound financial future.
You can be sure that a child's life insurance protection will be in place for the rest of his or her life with a Kentucky Home Life Insurance Company Juvenile 10-pay Life policy.
Kentucky Home Life offers Senior Life I and II policies that are permanent, whole life insurance products.
These policies have level premiums, and guaranteed death benefits.
The Senior Life I policy has a Level Death Benefit for life.
The Senior Life II policy is a Modified Whole Life policy with Graded Death Benefits during the first two years of 110% of premiums paid.
Thereafter, benefits will be 100% of the ultimate face amount.
If death occurs by accident in the first two years, benefits will be 100% of the ultimate face amount in lieu of Graded Death Benefits.
These policies have level premiums, and guaranteed death benefits.
The Senior Life I policy has a Level Death Benefit for life.
The Senior Life II policy is a Modified Whole Life policy with Graded Death Benefits during the first two years of 110% of premiums paid.
Thereafter, benefits will be 100% of the ultimate face amount.
If death occurs by accident in the first two years, benefits will be 100% of the ultimate face amount in lieu of Graded Death Benefits.
Life insurance provides benefits to your designated beneficiaries should you die unexpectedly.
It is designed to protect your loved ones from devastating financial problems, and reassure you that they will be taken care of following your death.
Kentucky Home Life is eager to assist our policy owners and potential clients by educating them about life insurance terms and phrases.
This glossary of common life insurance terms provides definitions of common terms you will encounter during the process of purchasing life insurance.
It is designed to protect your loved ones from devastating financial problems, and reassure you that they will be taken care of following your death.
Kentucky Home Life is eager to assist our policy owners and potential clients by educating them about life insurance terms and phrases.
This glossary of common life insurance terms provides definitions of common terms you will encounter during the process of purchasing life insurance.
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