Welcome to Koven Brokerage Group
Koven Brokerage Group, Inc. offers a full-range of financial solutions serving the needs of individuals, families and companies. We represent several insurance companies currently providing life insurance, long-term care, annuities, and disability insurance. Our job is to help find the right product, solution and insurance carrier for every client situation. Whether you are looking for consistently strong life insurance cash value accumulation, guaranteed death benefit protection, or low-cost coverage. By building comprehensive plans where all the elements are working in unison, we can help you achieve what matters most — a strong financial future for you and your family. We work hand-in-hand with you to understand what is truly beneficial for you.
Let’s work together on solving your financial needs.
11 Myths About Life Insurance
Don't fall for these 11 myths about life insurance. While it is a complex topic you can breeze through it and find the best option for you and your family.
I Don't Need Life Insurance
Yes, there are people who don't need coverage, but unless you are financially independent, you need some coverage.
It is Too Expensive
People overestimate the cost of insurance. There are many types of policies.
Life Insurance is Complicated
Establish why you need coverage and set a budget. From there you just need to find the best policy for you.
I Need to be Super Healthy
Companies are updating their guidelines and more people are able to get coverage, even with less than perfect health.
I Won't Qualify Due to Lifestyle or Immigration Status
There many policies to fit your lifestyle. let us know about your situation and we will help you find coverage.
Life Insurance is an Investment
While life insurance can help you plan for the future through cash value accumulation, it is designed to help your loved ones should you pass.
Buy Term Invest the Rest
This is one-size-fits-all advice. every situation and every client is unique and term policy may not be the best option for them.
Need Medical Exam
Not necessarily. There are many companies that offer no medical exam life insurance.
I Have Coverage, I'm Done
You can't forget about your life insurance policy. You need to review it every few years to make sure its up to date.
I Have A Policy Through Work, I'm Good
Great! But policy through work is not enough. There are too many variables and unknowns.
My Beneficiary Will Live It Up
While funny, it is not true. Life is expensive and life insurance helps cover the day to day expenses.