K&Q Financial Group, we educate and protect families throughout the Dallas-Fort Worth area.

Things you should know: Term life insurance has become the most popular and sought after life insurance policy type for consumers since it was created.


It’s easy to understand, it offers great amounts of customization, and it boasts the best bang-for-your-buck of any type of life insurance policy on the market.

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• Level Death Benefit
• Level Premiums
• Temporary Duration
• Rider Availability
• Conversion Opportunities

Is a very specific type of life insurance which serves a very specific need. While not for everyone, it does serve its purpose to a large demographic, and access to coverage makes it even more attractive.
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Final expense life insurance is a type of coverage that provides funds for the cost of a funeral, burial, and other related expenses that are considered to be one's “final expenses.”
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• Choose Your Own Funeral Home and Funeral Type
• Not Based On Medical History
• Pays Funeral Home Directly
• Offsets Average Funeral Cost

Whole life insurance is a type of permanent life insurance which covers the individual for their entire life. You may be aware of other types such as universal life insurance or term life insurance.

Also known as cash-value life insurance, it includes both a death benefit which is paid to your beneficiaries and a cash-value portion which helps it to grow.

Universal life insurance is a type of permanent life insurance. Like whole life insurance, it offers both insurance and savings components.


Those features take into the realm of an investment opportunity as well as lifelong security for your family or business both before and after your death.

Medicare Part C, or Medicare Advantage, includes all the benefits and services a member would receive under original Medicare Parts A and B.  

Usually the plan includes Medicare Prescription Drug Coverage (Part D).

Some plans may even include dental and vision coverage, wellness programs, and personal care management.

Medicare Advantage is offered by Medicare-approved private insurance companies and may include extra benefits and services.

Employers can provide health insurance to their employees at a group discounted rate compared to Individual Major Medical policies.

These policies can also include voluntary workplace benefits, group Medicare, employee assistance programs, and spending accounts.

For those individuals under age 65 who don’t have health insurance through their employer, Individual Major Medical insurance may provide coverage for doctors’ visits, hospitalization, medical services and supplies, and prescription drugs.

Today, you can buy an individual major medical policy directly from the carrier or through the Health Insurance Marketplace.

These options offer members the freedom to choose a health insurance plan based on desired coverage and costs.

This is a special class of annuities offered by our carriers that yields returns on your contributions based on a specific equity-based “index,” such as the S&P 500.


With an Indexed Annuity there is a guaranteed minimum return, so even if the stock index does poorly, the holder will not lose any part of his investment. Conversely, the yields will be somewhat lower due to caps and fee-related deductions.
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• Offers tax-deferred, retirement income
  
• For investors who seek protection of capital
  
• Can be structured to give you income for the rest of your life
  

A home is often one of the largest investments a family will ever make. Mortgage life insurance can help protect your clients' loved ones and family home in the event of an economic hardship caused by death, disability, or unemployment.

A mortgage life insurance policy helps guarantee a tax-free benefit to beneficiaries that can be used to help with mortgage payments or other financial responsibilities in the event of the policyholder’s death.

• Pay off the mortgage in the event of death
  
• Receive 100% of the base premiums at the end of the no-lapse guarantee period
  
• Make the mortgage payment during a disability
  
• Pay a lump sum if diagnosed with a qualifying critical illness
  
• Protect your valuable coverage if you become involuntarily unemployed or totally disabled