Final expense
From $9/moCoverage that pays for the funeral and clears the debts.
Whole-life policies, $5K–$25K. No medical exam options for most applicants. Most policies issue in days, not months. Ages 50–85.
Independent · Multi-carrier · Licensed
Koino Capital is an independent insurance agency. We hold appointments with nine A-rated carriers and place coverage with the one that fits your situation — not the one that pays the highest commission.
No SSN required to see a quote. Calls usually answered within 60 seconds during business hours.
Sample monthly rates
Final expense
$10K · ages 60–70 · no medical exam
$9/mo
Term life
$250K · 30-yr · healthy non-smoker
$14/mo
Whole life
$50K · permanent · level premium
$45/mo
IUL design
Tax-advantaged retirement income
Free consult
Illustrative rates from carriers we represent. Your rate depends on age, health, and underwriting.
carrier appointments
9
A-rated by A.M. Best
licensed producer
1
your contact, every conversation
lines covered
5
term · whole · final expense · IUL · annuity
carrier kickbacks
0
we work for you, not the carrier
What we cover
Most agencies sell one carrier, one product, one solution. We shop the field — because the right answer for you depends on your age, your health, and which carrier underwrites your situation best.
Final expense
From $9/moWhole-life policies, $5K–$25K. No medical exam options for most applicants. Most policies issue in days, not months. Ages 50–85.
Term life
From $14/mo healthyUp to $2M of coverage for 10, 15, 20, or 30 years. Best for income replacement, mortgage protection, and growing families.
Indexed universal life
Free design consultUpside tied to a market index, downside floored at 0%. Used for tax-free retirement income and legacy planning. Always custom-designed.
Annuities
Lump-sum or rolloverFixed and indexed annuities from carriers including F&G and Mutual of Omaha. Principal protection, predictable payout.
Medicare
Annual review includedAEP, OEP, and SEP enrollments. We compare plans across carriers in your zip — your network, your meds, your budget.
Why independent
Captive agents have one underwriting box. Direct-to-consumer apps have one product. We have nine carriers — so when one declines or rates you up, we have eight more places to look.
Captive agent
State Farm · NYL · Northwestern · Allstate
One carrier, one underwriting decision. If they decline, the conversation ends.
Direct-to-consumer apps
Ladder · Ethos digital · online quote tools
Fast and cheap for healthy term applicants. Decline is a dead end. No permanent products. No advice.
Independent agent (us)
Koino Capital
Nine carriers shopped against your situation. Health condition that's a decline at one is often standard at another.
A.M. Best A-rated carriers we shop on your behalf
How it works
01
Sixty seconds. Coverage type, ZIP, age, monthly budget. No SSN, no credit pull, no commitment.
02
Your situation goes against every carrier we represent. We come back with the best 1–3 options — with the actual rates and the actual fine print.
03
Most policies issue in 3–14 days. Some final-expense policies issue same-day. We follow up through underwriting and stay your agent for the life of the policy.
Quote request
Tell us what you are looking for and we will come back within one business day with the 1–3 best-fit options across the carriers we represent.
A licensed agent.
Every conversation is with a licensed insurance producer. License numbers are verifiable on NIPR and your state's department of insurance website.
A.M. Best A-rated carriers.
We only place coverage with carriers rated A or higher by A.M. Best. We name the carrier on your policy before you sign anything.
No SSN to see a quote.
Quote requests use your name, phone, and state. SSN is only needed when an application is actually submitted to a carrier.