Term & Whole Life Coverage
The easiest way to make sure they're always protected.
Customized coverage options tailored to your family's future, with guidance from a licensed expert. Start to finish, one real conversation.
Kaylee Moody
Licensed Insurance Agent · NPN #22284665 · Licensed in All 50 States
About Me
I'm originally from Charleston, WV, and now based in San Diego, CA. I got into life insurance because I wanted work that actually helps people, not just sells to them. I'm an independent agent, which means I'm not tied to any single carrier. I shop your case across 30+ A-rated companies and bring you real options with real pricing. No scripts, no runaround, just a straightforward conversation about what makes sense for you and your family.
Proudly partnering with industry-leading providers
Why Work With Me
An independent agent, not a call center.
Online aggregators sell you a form. I sell you clarity, and I'm the one you'll actually talk to.
Tailored Coverage
I don't work for one insurance company. I work for you. I compare rates from over 30 carriers to find the best policy for your specific situation.
Expert Guidance
My goal is to simplify the process and answer your questions honestly. There is no pressure to buy, no sales tricks, and no surprises.
Hassle-Free Process
When you call, you talk to me. Not a call center, not a recording. I guide you through every step from initial conversation to policy in hand.
The Process
Three steps, one real conversation.
No online checkout for something this important. I walk you through it personally.
Quick Consultation
Tell me about your family, your goals, and your budget. We start with a simple conversation, not paperwork.
Compare Options
I shop your case across 30+ carriers and present clear options. You see exactly what each plan covers and costs.
Secure Your Policy
Choose the plan that fits. Many policies approve the same day with no medical exam required.
Coverage Options
Built around your stage of life.
Every plan is priced individually based on your age and health. Tell me which sounds right and I'll bring real numbers to our call.
Term Life
Affordable protection for a set period. You pick the term length and coverage amount, and your premium stays locked in.
Best for: Young families, mortgage protection, income replacement
- 10, 15, 20, or 30-year terms
- Lowest premiums available
- Convertible to permanent coverage
- No exam options for many applicants
Whole Life
Lifetime coverage that builds cash value you can borrow against. Your premium never increases and your benefit never decreases.
Best for: Long-term wealth transfer, estate planning, guaranteed legacy
- Coverage that never expires
- Guaranteed cash value growth
- Fixed premiums for life
- Tax-free death benefit
Final Expense
Smaller policies designed to cover funeral costs, medical bills, and other end-of-life expenses so your family isn't left with a financial burden.
Best for: Seniors, simplified underwriting, guaranteed acceptance
- $5,000 to $50,000 coverage
- No medical exam required
- Simplified application
- Same-day approval available
IUL
Indexed Universal Life combines a death benefit with cash value growth tied to a market index, with a floor that protects against losses.
Best for: Supplemental retirement income, tax-advantaged growth
- Flexible premium payments
- Cash value tied to market index
- Floor protects against losses
- Tax-advantaged growth
Get Started
Tell me about you.
I'll call you within one business day to go over real pricing and answer your questions. No policy is ever sold without a conversation first.
- Two minutes to fill out
- No obligation, no spam calls
- Speak with a real, licensed agent
What Happens Next
No surprises, no pressure.
Here's exactly what to expect after you reach out. Nothing more, nothing less.
Book a Time
Pick a time that works for you.
Prefer to talk it through live? Grab a spot on my calendar below. No forms, no waiting on a callback.
Questions
Before you apply.
How much life insurance do I actually need?
It depends on your situation. A common guideline is 10-12x your annual income, but the real answer depends on your debts, dependents, and long-term goals. That's exactly what we'll talk through on our call.
How much does life insurance actually cost?
Less than most people think. A healthy 35-year-old can often get $250,000 in term coverage for $20-30 per month. Final expense policies start even lower. I'll show you real numbers based on your age and health.
What is the difference between term and whole life insurance?
Term life covers you for a set period (10, 20, 30 years) and is the most affordable option. Whole life covers you for your entire life and builds cash value over time. I'll help you figure out which makes sense for your goals.
Do I need to take a medical exam to qualify?
Not always. Many of the carriers I work with offer no-exam policies with simplified underwriting. You answer a few health questions and can get approved the same day. I'll match you with the right option.
How long does the approval process take?
For no-exam policies, approval can happen the same day. Policies that require underwriting typically take 2-4 weeks. I handle the paperwork and keep you updated through every step.
What does final expense insurance cover?
Final expense pays a tax-free lump sum to your beneficiary when you pass. They can use it for funeral costs, outstanding bills, or anything they need. There are no restrictions on how the money is used.
Ready to protect your legacy?
Get started today. No cost, no obligation, just a conversation.
Get Your Free Quote