Protect those closest to you with insurance - with our help every step of the way. How much coverage do you need? Which policy is right for you? We will analyze your needs and help you determine the best policy for your unique situation. Whether you're looking for a new policy or questioning the one you have, we're here to help. We're here to help you find the insurance coverage you need, no matter where you live or what time of day, and our services are always tailored to meet your unique needs.
Protect What Matters Most! Life insurance may be one of the most important purchases you'll ever make. We'd be happy to evaluate your current coverage and present you with side-by-side comparisons of alternatives. Protect yourself and your family when a disability makes working and earning money impossible.
Protect What Matters Most! Life insurance may be one of the most important purchases you'll ever make. We'd be happy to evaluate your current coverage and present you with side-by-side comparisons of alternatives. Protect yourself and your family when a disability makes working and earning money impossible.
Services
KEM Asset Management is an independent insurance agency specializing in Life and Health Insurance Solutions.
We work with the major insurance companies so we can offer our clients appropriate coverage for them.
Our clients are located all across the country, giving us a great feel for the insurance landscape.
We design plans with a focus on low costs, and proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
Our mission is to provide our clients with assistance in understanding and making the right decisions when it comes to insurance.
We work with the major insurance companies so we can offer our clients appropriate coverage for them.
Our clients are located all across the country, giving us a great feel for the insurance landscape.
We design plans with a focus on low costs, and proper benefit structure, which we combine with personalized insurance advice aimed at helping our clients make better-informed decisions.
Our mission is to provide our clients with assistance in understanding and making the right decisions when it comes to insurance.
Life insurance may be one of the most important purchases you'll ever make.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs.
Medicare Part A covers your hospital expenses.
This includes hospital stays, skilled nursing care, hospice, and home health-care services.
You may have to pay various deductibles, coinsurance, and copayments.
You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters).
If you did not earn Part A, you will pay a premium.
Medicare Part B covers services that treat illnesses or conditions such as doctor's office visits, lab work, x-rays, and outpatient surgeries.
It also covers preventive services like cancer screenings and flu shots.
This includes hospital stays, skilled nursing care, hospice, and home health-care services.
You may have to pay various deductibles, coinsurance, and copayments.
You earn Part A by paying taxes toward Medicare while working for 10 years (or 40 quarters).
If you did not earn Part A, you will pay a premium.
Medicare Part B covers services that treat illnesses or conditions such as doctor's office visits, lab work, x-rays, and outpatient surgeries.
It also covers preventive services like cancer screenings and flu shots.
In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments.
Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
These videos are for educational purposes.
We represent many of the top carriers available.
We will review your unique situation and be able to offer you a variety of carrier products and plans to choose from.
Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
These videos are for educational purposes.
We represent many of the top carriers available.
We will review your unique situation and be able to offer you a variety of carrier products and plans to choose from.
Final expense needs are usually covered with a whole life insurance policy.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
The benefits of whole life insurance include a guaranteed level premium that can never be increased, guaranteed cash value and a guaranteed death benefit that can never be decreased.
The cost of final expense coverage is very affordable, even if you have some health problems.
The application process is quick and easy.
You can apply for final expense insurance coverage without having to undergo any medical examination - you simply answer the questions on the application.
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