Life Insurance

Life is harnessed with uncertainties, but at Kelmeg & Associates, Inc, we try to help you prepare for those unforeseen moments. Life insurance is one of the significant measures toward securing your family's future and ensuring protection against financial odds, come what may.

Being a 26 year old with no idea of where to start for health insurance, Kelsey at Kelmeg and Associates helped me out tremendously. She worked with me to help me find the best insurance that would save me the most money overall. Highly recommend Kelmeg and Associates!

Lauren Finamore

Chip, Heidi & Kelsey are the best. We use them for all our company medical benefit needs and they're excellent to deal with. Very responsive, very knowledgeable.

Quin-Lee Ng

Kelsey is amazing! She goes above and beyond to find you the best coverage at an affordable rate. She understands the insurance industry and makes the process of finding health insurance and enjoyable one. I highly recommend her.

Heather Vipond

Highly recommend if you are looking for assistance navigating the vast health insurance landscape! Was able to schedule a call and speak with Chip, who is knowledgeable and a straight shooter!

John Gargaro

I have done business with kelmeg andassociates for a many years now. Everyone there has been extremely helpful and informational, with all my health insurance needs and questions! I recommend them to all me friends and family that needs heath insurance!

Jesse Smith

Kelsey is the best! She is so helpful and responsive. It’s so nice to have someone who knows what’s going on and will do everything to make sure you are taken care of.

Piper Griffeeney

A woman is measuring an apple with a tape measure.

What is Life Insurance?

Life insurance is a form of financial protection to cushion your family or loved ones from the devastating financial consequences of your death. It gives you the feeling of security, puts your mind at rest, and lets the family be taken care of when your life is called unexpectedly. The primary function of life insurance is to provide funds that can replace lost income, cover debts like a mortgage, and take care of future expenses, such as your children's college education.

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  • Income Replacement

    Life insurance helps ensure that your family could maintain a comparable lifestyle by replacing your income. It helps to pay ongoing expenses, such as childcare and education costs.

  • Indebtedness Protection

    Most people buy life insurance, which gives them coverage equal to the sizeable debts that people have, like a mortgage or personal loans. This reduces the burden at an ominous moment on the family.

  • Peace of Mind

    No one wants to take life insurance out, but it's a critical component of any decent financial plan. It offers you the opportunity to sleep at night, knowing that your loved ones are taken care of.

  • Why is Life Insurance Important?

    Life insurance is, however, most important for families with young children or other dependents, whereby your income goes on if you die. It provides a financial stepping stone to enable your family to pay the bills, meet future educational expenses, and face life's transitions without the added stress of financial hardship.

At Kelmeg & Associates, Inc, we assist you in drawing a life insurance policy that specifically suits your needs and goals. Whether it be term life insurance for only a certain period of time, or whole life insurance for permanent coverage, our experts are here to guide you through.