Term life insurance
Ten to thirty year level term sized to your mortgage, income years and kids at home.
Independent agency, 30 plus carriers
Most families need term, and we will tell you so
We shop more than thirty carriers, quote them side by side and get paid the same regardless of which one you pick.
30+carriers quoted
4,100policies placed
19 yrsin Wichita
$0cost to compare
Coverage we place
The right amount for the right number of years
Coverage is cheap when it is sized to a job and expensive when it is sold as an investment.
Whole and universal life
For estate and business needs where coverage genuinely has to last a lifetime.
No exam simplified issue
Coverage approved in days without labs, useful when timing or needles are the obstacle.
Final expense coverage
Smaller permanent policies sized to funeral and settlement costs, ages 50 to 85.
Business key person and buy sell
Funding a partnership agreement or protecting a loan the bank required coverage on.
Policy review
We read what you already own and tell you plainly whether to keep it.
About the agency
Independent, which changes the conversation
Tanner Kemp opened in 2007 after nine years working for a single carrier where the answer to every question was that carrier's product. As an independent agency we can quote across the market, and because commission rates are similar across term carriers we have no reason to steer you. Roughly eight in ten of our clients end up with plain term insurance.
•We compare carriers on price and underwriting appetite
•Health conditions matched to the carrier that rates them best
•We will tell you when you do not need more coverage
Reviews
What clients tell us
“Another agent quoted me a whole life policy at four hundred a month. Tanner got me a million of twenty year term for fifty eight.”
Josh L., Father of two, Derby
“I have type 2 diabetes and got declined once already. They knew which carrier would take me and I was approved standard.”
Denise F., Wichita
FAQ
Life insurance questions
How much coverage do I actually need?
A common starting point is ten to twelve times your income, then add the mortgage balance and expected college costs and subtract savings already earmarked. The better question is how many years your family needs replacing income for, because that sets the term length as much as the amount.
Term or whole life?
Term covers a temporary need such as a mortgage and children at home, and it costs a fraction of permanent coverage. Permanent policies make sense for lifelong obligations like a special needs dependent, an estate tax bill or a business buyout. If someone leads with whole life before asking what you need, be careful.
Will I have to take a medical exam?
Often not. Many carriers now approve healthy applicants up to a million or more using prescription and medical records instead of labs. Simplified issue policies skip the exam entirely, though you pay somewhat more for that convenience.
Does it cost more to buy through an agent?
No. Life insurance rates are filed with the state, so the same policy costs the same whether you buy it direct or through us. Our compensation comes from the carrier and is built into that filed rate either way.
Contact
Get real numbers today
Give us your age, health basics and what you are protecting. Quotes come back the same day with no obligation.
Phone(381) 555-0181
Address3300 N Rock Rd, Suite 208, Wichita, Kansas
HoursMon to Fri 8am to 6pm, Sat by appointment
AreaWichita, Derby, Andover, Newton and statewide by phone