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Modern Consulting
Life insurance coverage in Kansas
Life Insurance

Ensure your family's wellbeing after you're gone

Three in-house Personal Financial Representatives, ready to help

Modern Consulting is built differently than most insurance agencies. We have three in-house Personal Financial Representatives and their support teams, focused on protection and accumulation — life insurance, retirement planning, college funding, and the financial conversations most agencies don't have.

Losing a loved one is never easy. The last thing your family should worry about while mourning is how they're going to pay for the mortgage, the funeral, or the kids' education. A life policy from Modern Consulting makes sure those answers are already in place.

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Family protected by life insurance

Life insurance options for every stage of life

We offer a variety of life insurance plans that differ in benefits and provisions. Our in-house Personal Financial Representatives walk through the pros and cons of each, then help you choose the plan that fits your family's situation — not a one-size-fits-all template.

Plan Types

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
FAQ

Frequently Asked Questions

What's the difference between term and whole life insurance?
Term life covers you for a set period (usually 10, 20, or 30 years) at a lower premium — good for income replacement during working years. Whole life lasts your entire lifetime and builds cash value, which you can borrow against. Universal life sits in between and offers more flexibility around premiums and benefits. Our Personal Financial Representatives walk through which is right for your situation.
How much life insurance do I need?
A common rule of thumb is 10–12 times your annual income, but the right answer depends on your debts (mortgage, student loans), how many dependents you have, and what lifestyle you want them to maintain. We walk through your full financial picture in the consultation — not just a quick form.
Is the life insurance through my job enough?
For most people, no. Employer-provided coverage is usually 1–2x your salary and disappears if you change jobs. A personal policy goes with you, locks in your rate at a younger age, and builds cash value if it's a permanent policy.
Can I get life insurance with a pre-existing condition?
Most people can. Rates depend on the condition, how well it's managed, and your overall health. We work with carriers that underwrite specific health profiles so you don't get rejected for something another carrier would have accepted.
How long does approval take?
Simple term policies can be approved in a few days with no medical exam. Larger or more complex policies typically take 2–4 weeks including the medical exam. We coordinate the process from start to finish.
Also Covered

Insurance built around your whole life

One Modern Consulting team — auto, home, life, commercial. We bundle smartly and review every policy annually.

Auto Insurance

Coverage built around how you actually drive in Kansas.

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Home Insurance

Replacement cost reviewed annually for every client.

Learn more

Commercial Insurance

30+ years of in-house commercial-specialist experience.

Learn more
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Helping Kansas families plan for what matters most

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