KBenefits Insurance Services
Insurance - Medicare - Retirement

Life Insurance

Life insurance helps individuals protect their families and businesses. While there are many options, not all life insurance is the same. Let us evaluate and assess your needs to ensure you have the coverage to protect your most valuable assets.

When Do You Need Life Insurance?:
1. New Parents Income replacement and financial protection for the loss of a parent.

2. Homeowners: Mortgage protection for families to cover the cost of a home after an unexpected loss

3. Business Owners & Partners Financial protection for the unexpected loss of top talent or key personnel to protect business interests and/or to secure business loans
a. Key person
b. Buy-Sell  agreements for buy-outs.

4. Policy Review:   Evaluation of existing coverage to assess current policy adequacy, beneficiaries, expiration date and changing needs


Accelerated Underwriting
Speed through the underwriting process
Let’s get started. All you need to do is complete the two-step process below to see if you are eligible for the program.  Expedited underwriting in as little as 24 hours.  If you’re not eligible for the accelerated underwriting, then a medical underwriting is required.

If Eligible For Accelerated Underwriting:
• No medical exams or lab testing required
• A simple online application or telephone interview to take care of the requirements
• Available for applicants qualifying for Super Preferred, Preferred, Super Standard or Standard underwriting classes on most life insurance products for individual and business cases

Step 1
General qualifications
1) Are you between the ages of 18 and 60?
2) Total face amount requested falls between $50,000 and $1 million.
3) Does your build meet the recommended weight limits?
4) You have no major medical condition(s).


Applicant qualifications
1) Are you a U.S. citizen or permanent resident with no travel to hazardous locations?
2) Your blood pressure is less than 155/92 for ages 18-44... and 160/92 for ages 45-60.
3) Your total cholesterol is less than 275.
4) You have not filed for bankruptcy in the past five years.
5) You have had no marijuana use in the past five years.
6) You have no more than one DUI or reckless driving event within the past 10 years.
7) You have not received a felony conviction in the past 10 years.
8) You have had no life, health or disability insurance rated, ridered or declined.

Step 2

•  If you answered “Yes” to the above checklist, then next step is to apply for accelerated underwriting.

•  If you answered “No” to the checklist questions, let's complete a full application and submit it for traditional medical underwriting. 


Major medical conditions

  • Alcohol abuse/treatment
  • Atrial Fibrillation
  • Barrett’s Esophagus
  • Bipolar Disorder
  • Cancer (exceptions: Basal Cell and Squamous Cell Carcinomas)
  • Chronic Obstructive Pulmonary Disease (COPD/Emphysema)
  • Crohn’s Disease Diabetes
  • Drug abuse and/or treatment
  • Epilepsy/Seizure
  • Gastric Bypass/Lap Band
  • Heart Disease/Surgery
  • Hepatitis Hypertension
  • Kidney Disease
  • SLE/Lupus
  • Melanoma
  • Multiple Sclerosis (MS)
  • Parkinson’s Disease
  • Rheumatoid Arthritis (RA)
  • Sleep Apnea
  • Stroke/Transient Ischemic Attack (TIA)
  • Ulcerative Colitis (UC)

Let's Talk:
Contact us for questions, plan options and enrollment assistance. 
732-333-1976 / chris@kbenefits.com


KBenefits, LLC
Christopher S. Kudryk

KBenefits provides insurance solutions for small business owners and individuals in NJ & NY.  Contact KBenefits today and see how we can benefit you.

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2011 KBenefits LLC 13 Mead Ave Freehold, NJ 07728