Mortgage protection and tax-advantaged life insurance strategies for families who want to know the people they love will be taken care of, whatever happens.
Every recommendation starts with your goals, your budget, and the people who are counting on you.
If something happens to you, the mortgage is paid and your family keeps the house. Coverage is matched to your loan balance and term, so you're not over-insured or under-protected.
Cash-value policies (indexed universal life or properly structured whole life) build tax-deferred value you may be able to access on a tax-advantaged basis, supplement retirement income, and pass on a generally income-tax-free death benefit.
Permanent life insurance can be one of the most tax-efficient ways to transfer wealth, protect a business, or leave a legacy for the next generation. We coordinate with your CPA and attorney so everything fits together.
You just took on a big commitment. Make sure it never becomes your family's problem.
When one paycheck carries the family, protecting it is the first priority.
Looking for tax-advantaged growth and a smarter way to move wealth forward.
We shop multiple carriers with different underwriting. A "no" from one company usually isn't the final answer.
Pick a time that works. We'll talk about your home, your family, and what you want the coverage to do.
We compare multiple A-rated carriers and build the coverage around your goals and your budget, instead of asking you to fit a product.
Many policies are approved within days, and many need no medical exam. You'll know exactly what you have and what it costs.
Founder & Licensed Insurance Producer · NPN 22308775
Before insurance, Sam spent 14+ years as a small-business owner building and running pool service companies. He knows what it takes to build something from nothing: the long days, making payroll, and a mortgage that still comes due after a slow month. That experience is why he takes protecting families and businesses personally.
"Kindred" means family, and that's how we treat every client. Kindred Legacy Life is an independent agency, which means we shop many carriers instead of representing one. The recommendation is about you, not a company's quota. Based in Las Vegas, Nevada, Sam works with clients nationwide by phone and video and is licensed in multiple states.
No. The private mortgage insurance (PMI) your lender requires protects the lender if you default. Mortgage protection life insurance pays your family directly, so they can pay off the home, cover expenses, or use the money however they need to. You own the policy, not the bank.
Often, no. Many of the carriers we work with offer simplified-issue coverage based on a short health questionnaire and a prescription history check. Some situations or larger coverage amounts may still require an exam; we'll tell you up front if that applies to you.
It depends on your age, health, the amount of coverage, and the type of policy. Many families are surprised by how affordable it is. Because we quote multiple carriers, you'll see options at different price points and can choose what fits your budget.
No. There is no fee for the call, the quotes, or the application. Like any licensed insurance producer, we're compensated by the insurance carrier when a policy is issued. Your premium is the same whether you use an agent or not.
Good question, and we would rather you ask it. If you received a call, text, or letter from us, it's because you (or someone in your household) requested information about mortgage protection or life insurance. Sam Holmes is a licensed insurance producer, NPN 22308775, and you can verify that license with your state's department of insurance. We're not affiliated with your lender, and we'll never ask for payment over the phone to "reserve" a rate.
Yes. Every policy comes with a "free look" period (typically 10 to 30 days depending on your state) during which you can cancel for a full refund. After that, you can cancel at any time. We'd rather you keep coverage that fits than feel stuck with something that doesn't.
A relaxed 15-minute conversation with no obligation. You'll come away with clear answers about your options.
Share a few details and Sam will put together coverage options from multiple carriers, matched to your home and your goals.
