Your life's work deserves a lasting legacy.
I help individuals and families find the right life insurance coverage. As an independent agent, I shop 30+ carriers to find the best fit for your needs and budget.
Kaylee Moody
Licensed Life Insurance Agent
NPN #22284665
About Me
As a licensed life insurance professional, I help individuals and families secure their financial futures with clarity and confidence. With access to over 30 A-rated and A+ rated carriers, I shop the market on your behalf to find a policy that fits your needs, timeline, and budget.
Why choose an independent agent
An independent agent, not a call center
Independent shopping
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.
No-pressure approach
My goal is to simplify the process and answer your questions honestly. There is no pressure to buy, no sales tricks, and no surprises.
Personal service
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.
How it works
Three steps, one real conversation
Share your story
Tell me about your family, your goals, and your budget. We start with a simple conversation, not paperwork.
Review your options
I shop your case across 30+ carriers and present clear options. You see exactly what each plan covers and costs.
Secure your coverage
Choose the plan that fits. Many policies approve the same day with no medical exam required.
Coverage options
Plans built around your life
Term Life
Affordable protection for a set period
- 10, 15, 20, or 30-year terms
- Lowest premiums available
- Ideal for mortgages and income replacement
- Convertible to permanent coverage
Whole Life
Lifetime protection that builds cash value
- Coverage that never expires
- Guaranteed cash value growth
- Fixed premiums for life
- Tax-free death benefit
Final Expense
Cover funeral costs and final bills
- $5,000 to $50,000 coverage
- No medical exam required
- Simplified application
- Same-day approval available
Indexed Universal
Growth potential with downside protection
- Flexible premium payments
- Cash value tied to market index
- Floor protects against losses
- Tax-advantaged growth
Get your free quote
No obligation. No pressure. Just honest answers about your coverage options.
- Compare rates from 30+ carriers
- No medical exam for most policies
- Same-day approval available
- A licensed agent calls you personally
What happens next
No surprises, no pressure
Schedule a call
Pick a time that works for you
Common questions
Before you apply
How much does life insurance cost?
It depends on your age, health, and the type of coverage you need. Many people qualify for $10,000 to $25,000 in final expense coverage for less than $1 per day. I compare rates from multiple carriers to find the most competitive option for your situation.
Do I need a medical exam?
For most final expense and simplified issue policies, no. You answer a few health questions over the phone and can be approved the same day. Some term and whole life policies may require a brief exam depending on coverage amounts.
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.
Can I qualify with health conditions?
Yes. I work with over 30 carriers and each one has different underwriting guidelines. Conditions that get declined by one carrier often get approved by another. I also have guaranteed acceptance options with no health questions at all.
How long does it take to get approved?
Many final expense policies approve the same day over the phone. Term and whole life policies typically take one to four weeks depending on the carrier and whether a medical exam is needed.
What happens after I fill out the form?
A licensed agent will call you within 24 hours to review your options. There is no pressure and no obligation. If you prefer, you can call me directly at (681) 385-6518.
Ready to protect your legacy?
Get your free quote or call Kaylee directly. No pressure, no obligation.