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Why KSKJ Final Expense?

KSKJ Life puts members and communities first, and they've been doing that for over 120 years.

KSKJ offers quality, reliable life insurance solutions, and because they're a not-for-profit organization, they're able to focus their profits on giving back to members and their communities.

Here is the agent portal.

KSKJ Final Expense Product Information

This policy covers the policyholder for his/her entire life. This plan was created specifically for members between 50-80 who are interested in covering their final expenses or healthcare expenses that are not completely covered by health insurance.

  • Lifelong protection
  • Issue age 50-80 (81-85 only if married and applying together)
  • No medical exams required
  • Affordable premiums guaranteed to never increase
  • Guaranteed cash values and death benefits
  • Tax-free death benefit
  • MIB, Script check and phone interview possible
  • Living Benefit Rider available on Select and Standard Levels
  • KSKJ Life Couple's Advantage available (for ages 81-85)
  • $65 policy fee

Three ways to cover your clients:

  • Select, Benefit: $5,000-$25,000
  • Standard, Benefit: $5,000-$25,000
  • Modified, Benefit: $5,000-$15,000
  • Immediate full benefit for Select and Standard coverage

Modified Graded Benefit Plan: if death occurs during Year 1, the death benefit is 110% of paid premium + policy fee paid. If death occurs between Year 1 and Year 2, the death benefit is 40% to 65% of the face amount depending upon your age.

State Availability

KSKJ Life proudly serves the following states:

  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Washington, D.C.
  • Iowa
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Michigan
  • Minnesota
  • Mississippi
  • Ohio
  • Pennsylvania
  • Tennessee
  • Wisconsin

New to Final Expense Sales?

You've come to the right place!

Check out some of the following resources to learn more about how to sell final expense products.

[ARTICLE] Final Expense Insurance: Level, Graded, Modified, and GI (2nd Edition)

Watch a roleplay example of how a Life Insurance Review is done (with a focus on final expense in this example):

[WEBINAR!] How to Sell Final Expense Insurance: