Protect the people who depend on you. Life insurance helps replace your income, pay off debts and fund your family's future if the unexpected happens. ALKEME advisors compare term and permanent options from multiple carriers to build co
Your advisor takes the time to understand your family, income, debts and long-term plans, then explains your options in plain language.
Life insurance coordinated with your home, auto and umbrella coverage, and with ALKEME wealth management and estate planning services.
We review your coverage at life's big moments — marriage, a new child, a new home, a new business or retirement — so it keeps pace with you.
Life insurance falls into two broad groups: term coverage for a set period, and permanent coverage that can last your lifetime and build cash value. We help you compare both.
Coverage for a set period, such as 10, 20 or 30 years. Designed as lower-cost protection during the years your family depends on your income most.
Permanent coverage for your lifetime with level premiums and a cash value component that grows over time.
Permanent coverage with flexible premiums and death benefit options, plus cash value that can grow over time.
Permanent coverage with cash value invested in sub-accounts you choose, offering growth potential with market risk.
A smaller permanent policy designed to cover funeral costs and end-of-life expenses, so loved ones are not burdened.
One policy covering two people that pays after the second death, often used in estate planning.
Riders let you add features to your life insurance policy so it fits your family's needs more closely. Your advisor will explain which riders are available and worth considering.
Lets you access part of your death benefit early if you are diagnosed with a qualifying terminal or chronic illness.
Lets you buy additional coverage at set future dates or life events without new medical underwriting.
Keeps your policy in force without premium payments if you become totally disabled and cannot work.
Allows you to convert term coverage to a permanent policy without a new medical exam, within the conversion period.
Adds term coverage for your children under your own policy, often with the option to convert later.
Pays an additional benefit if death results from a covered accident.
Tailored insurance solutions designed for the unique risks of the security inWhatever stage of life you are in, our advisors match you with coverage built around the people and plans that matter most.dustry.
The right amount depends on what your family would need if your income stopped. Your advisor will walk through these four areas, then subtract existing savings and coverage.
How many years of income would your family need to maintain their lifestyle?
Funeral costs, medical bills and estate settlement expenses.
Your remaining mortgage, car loans, credit cards and other debts.
Pays an additional benefit if death results from a covered accident.
Ranked by Insurance Journal as
the #16 biggest P/C agency
Number of ALKEME employees nationwide
Office locations across the United States
Amount of premiums written in 2024
Term life insurance covers you for a set period, such as 10, 20 or 30 years, and is designed as lower-cost protection for that time. Whole life insurance is permanent coverage that lasts your lifetime and includes a cash value component, so premiums are usually higher. Many families use a combination of both.
It depends on your income, debts, future goals such as education, and final expenses, minus any savings and existing coverage. Rather than relying on a simple rule of thumb, your ALKEME advisor will work through these areas with you to recommend an amount and term that fit your budget.
Employer group life insurance is a good start, but the amount may not be enough to support your family, and coverage often ends if you leave your job. An individual policy gives you protection that stays with you.
Yes. ALKEME offers wealth management, estate planning and retirement planning services alongside personal insurance, so your life coverage can be aligned with your broader financial goals.
Getting coverage is simple. Contact our team or complete our online request form. We will learn about your family and goals, explain your options and deliver a tailored quote. Some policies may require a medical exam, depending on the carrier and amount of coverage.