Let’s be honest—no one wakes up excited to talk about life insurance. But here’s the thing: it’s not really about insurance. It’s about love. It’s about making sure the people who count on you won’t be left scrambling if the unexpected happens.
At Kaufman Insurance, we keep it simple, honest, and real—because protecting your family should never feel overwhelming.
Life insurance is a safety net. You pay a monthly or annual premium, and in exchange, your loved ones get a tax-free payout—called a death benefit—if something happens to you. That money can help them cover living expenses, pay off debt, send kids to college, or just keep the lights on while they grieve and rebuild.
It’s about giving your family time to breathe.
Great question! Your premium (that’s your monthly or yearly cost) is based on a few key factors:
Your Age – The younger you are when you start, the cheaper it is. Your Health – Good health = better rates. Lifestyles – Smokers, skydivers, and wild adventurers may pay more. Coverage Amount & Term Length – More coverage and longer terms usually mean higher premiums. Policy Type – Term is cheaper up front; permanent is more of a long-term investment.
Think of it like this: the healthier and earlier you lock it in, the better the deal.
We keep hearing this question, and the answer depends on your goals. Here's a quick breakdown:
Covers you for a set period (10, 20, or 30 years).Great for young families, mortgage protection, or income replacement during your prime earning years.More affordable and straightforward—think of it as "just in case" coverage.
Covers you for your entire life (as long as you pay the premiums).Builds cash value over time that you can borrow from.Ideal for estate planning, wealth transfer, or long-term financial strategies.
Not sure what’s right for you? That’s where we come in. At Kaufman Insurance, we’ll help you compare options without the insurance jargon headache.
It’s not about planning for death. It’s about protecting life—your family’s life. It’s about showing up for them, even when you physically can’t. It’s one of the most selfless and loving things you can do.
Because when it’s all said and done, your policy isn’t just a piece of paper. It’s a promise.
If you’ve been putting off life insurance, now’s the time. Tomorrow isn’t guaranteed—but a secure future for your family
can be.
👉636-431-4373 (Call or Text)
Call Kaufman Insurance today and let’s find a policy that fits your life, your goals, and your budget. Your family’s peace of mind starts now.
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Disclaimer: Kaufman Insurance LLC is a licensed insurance agency in the state of Missouri. Coverage is subject to policy terms and conditions. Information provided on this site does not constitute an offer of coverage.