Insurance that Cares For You
& Your Family!

Providing a wide range of life insurance solutions, meticulously
crafted to meet individual needs, ensuring lifelong protection, and
financial security for you, your loved ones, or even for your business.

About S Kimbrough Consulting

At S Kimbrough Consulting (SKC), we believe that life insurance is not just a financial product; it's a testament to care and security for you and your loved ones. Founded by Sandy Kimbrough, SKC embodies a mission to empower communities through comprehensive life insurance solutions. With a deep commitment to inclusivity, we ensure that individuals from all walks of life have access to the protection and peace of mind that life insurance offers.
Our team at S Kimbrough Consulting is driven by compassion and expertise, dedicated to safeguarding the financial futures of families and businesses alike. We understand that each person's situation is unique, which is why we offer meticulously crafted life insurance options tailored to individual needs. Whether you're seeking coverage for your loved ones, planning for your retirement, or safeguarding the continuity of your business, SKC is here to guide you every step of the way. We prioritize integrity, transparency, and personalized service, ensuring that you receive the support and guidance you deserve.

Sandy Kimbrough

Empowering Communities Through Life Insurance

Meet Sandy Kimbrough, a dedicated individual committed to providing life insurance for everyone as a service to the community. With a passion for his work, Sandy prioritizes inclusivity and ensures that individuals from all walks of life, including marginalized communities, have access to the protection and security that life insurance offers. As the founder of S Kimbrough Consulting, Sandy Kimbrough brings expertise and compassion to his mission of safeguarding the financial futures of families and businesses alike. Whether you're seeking coverage for your loved ones or looking to protect your business, Sandy and his team at SKC are here to guide you through the process with care and integrity while empowering those he serves.

What is life insurance?

Life insurance is like a promise between you and an insurance company. When you make regular payments, called premiums, the company promises to help your loved ones financially when you pass away. It's like a safety net for your family, giving them money to cover expenses and stay secure even when you're no longer there. Sometimes, life insurance can even help you if you get sick, giving you money to cover medical bills while you're still alive. There are different types of life insurance, but they mainly fall into two categories: term life and permanent life. Term life lasts for a specific time, while permanent life can last your whole life. While term life is usually cheaper, permanent life builds up savings over time and lasts as long as you keep paying. It's all about making sure you and your loved ones are protected, today and tomorrow.

Benefits of Choosing Whole Life Insurance with S Kimbrough Consulting

  • Lifetime Coverage: Ensures lifelong coverage for policyholders without expiration.
  • Cash Value Accumulation: Builds cash value over time, offering growth potential.
  • Fixed Premiums: Premiums never change for the life of the policy.
  • Tax Advantages: Death benefits paid out are generally tax-free to beneficiaries.
  • Loan Accessibility: Policyholders can borrow against the accumulated cash value.

Types of Life Insurance SKC Offers:

Whole Life Insurance

Provides lifetime coverage with guaranteed premiums and cash value accumulation.

Term Life Insurance

Offers temporary coverage for a specified period at affordable rates.

Indexed Universal Life (IUL) Insurance

Flexible premiums and death benefits with cash value growth WITHOUT being invested in the stock market.

Final Expense Insurance

Covers end-of-life expenses, ensuring your loved ones are not burdened with the financial costs of funerals.

PROVIDING AFFORDABLE FINANCIAL PROTECTION

SKC is committed to offering affordable financial protection through our Life Insurance policies. With affordable policies for everyone’s budget, we make it easy for you to safeguard yourself, your family's future, and also your business


What do you need to get a life insurance?

  • Basic personal information such as your name, age, address, and contact details.
  • Information about your health, including any pre-existing conditions and prescribed medication.
  • Identifying who will receive the death benefit payout in the event of your passing.
  • Payment methods.

How Much Life Insurance Do I Need?

Determining the right amount of coverage depends on various factors such as your income, debts, and future financial goals. SKC can help you assess your needs and customize a life insurance strategy that suits your needs.


Types of Life Insurance

Term Life Policies

Term Life Insurance offers coverage for a specific period, ranging from 1 to 30 years. It provides a death benefit to your beneficiaries if you pass away during the policy term, making it an ideal choice for those seeking temporary financial protection.

Permanent Life Policies

Permanent Life Insurance lasts your entire lifetime, providing lifelong protection and accumulating cash value over time. With SKC's Permanent Life Policies, you can enjoy lifelong coverage and potential cash value growth, offering security and investment opportunities.

Frequently Asked Questions About Insurance

Your life insurance premium is determined by various factors: your age, health status, lifestyle habits, desired coverage amount, and the type of policy you choose. Younger, healthier individuals who don't engage in risky behaviors typically pay lower premiums compared to older individuals or those with health issues.

Yes, most life insurance policies offer flexibility, allowing you to adjust your coverage amount or policy type as your life circumstances change. You can increase or decrease your coverage, add riders for additional protection, or even switch to a different type of policy, although this may be subject to certain conditions and approval processes.

In most cases, life insurance proceeds paid out to beneficiaries are not subject to income tax. It's essential to consult with a tax advisor for specific guidance based on your circumstances.

If you miss a premium payment, your life insurance policy may enter a grace period during which you can still make the payment without any penalties. If the premium remains unpaid after the grace period, the policy may lapse, and you may lose coverage. Some policies may offer options for reinstating lapsed coverage, but this typically involves paying any missed premiums and potential fees.

The appropriate amount of life insurance coverage depends on a few factors, including your income, debts, financial goals, and the needs of your dependents. A common approach is to calculate your financial obligations, such as mortgage payments, debts, education expenses, and living costs, and ensure your policy's death benefit adequately covers these expenses. Consulting with a financial advisor can help you assess your needs accurately.

Some permanent life insurance policies, such as whole life or universal life, accumulate cash value over time. You may be able to borrow against this cash value through policy loans. These loans typically accrue interest, and any unpaid loan balance, plus accrued interest, may reduce the death benefit payable to your beneficiaries. It's essential to understand the terms and implications of policy loans before borrowing against your life insurance. Your life insurance agent will ensure you understand your options during the interview process.

Great question! The life insurance agent, also known as “agent”, works with the life insurance companies, as “carriers”, to provide the information the carriers need to determine your rates and coverage suitability. The carriers tell the agent what information to collect from you. Some of that information includes:
  • proof of your identity such as a current driver’s license or state identification card
  • full name, date of birth, height & weight, and address
  • health-related questions, prescribed medications, and recent surgeries/hospitalizations
  • verification of your payment method to ensure the account is a valid account that belongs to you
Remember, providing this information to an identified/verified life insurance agent helps you to not be a victim of identity theft and other illegal activities. The agent is not asking for the information for personal reasons. In fact, every carrier will ask for the same basic information if you speak to them in person or over the phone. The agent is there to help PROTECT you!

Do You Still Have Questions?

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