KRJ & Associates


Management Services

Insurance Services

Health Insurance 

Life Insurance

Disability Insurance

LTC Insurance & Services

Mission Statement

Resource Links

Privacy Pledge

Contact Us

Life Insurance

Term Insurance

(individual & group)

5, 10, 15, 20, 30 year plans

Universal Life

Whole Life



Life Insurance for Death Benefit


Available Riders:

Spouse Plans

Children's Insurance Rider

Guaranteed Insurability

Waiver of Premium

Return of Premium

Disability Income

Accidental Death Benefit

Life Insurance For:

Education Funding

Family Income Protection

Mortgage Protection

Estate Planning

Buy/Sell Agreements

Key Person Insurance