Affordable Life Insurance to Protect What Matters Most
Real Coverage for Real Life
At K&M Planning, we know life can change in an instant—which is why life insurance should be simple, reliable, and built around your needs. Whether you’re securing your family’s future or planning for long-term peace of mind, we help you choose the right plan with no pressure and no confusion.
We proudly serve clients across North Carolina and South Carolina, offering personalized support and transparent pricing every step of the way.
What We Offer
Term Life Insurance
Simple. Affordable. Reliable.
Term life insurance offers temporary coverage—usually for 10, 20, or 30 years—at lower premiums. It’s ideal for young families, new homeowners, or anyone looking for solid protection at a lower cost.
Whole Life Insurance
Lifelong coverage with lasting value.
Whole life insurance covers you for life and builds cash value over time. It’s a smart option if you're looking for permanent protection plus long-term savings potential.
Who Needs Life Insurance?
- Young parents planning for their children’s future
- Homeowners securing mortgage protection
- Business owners covering key partners or debts
- Anyone wanting peace of mind for loved ones
Whether you’re just starting out or planning your legacy, we’ll help you find the right balance of coverage and cost.
Why Choose K&M for Life Insurance?
No-Pressure Consultations
We guide, not push.
Best Rates in the Region
Affordable plans that don’t sacrifice quality.
Licensed in NC, SC, GA, TN & VA
Local expertise with regional reach.
Fast, Simple Process
Get covered without the stress.
Testimonials
Hear What Our Clients Say
I had no idea what IUL was. Now I’m confident my kids have a better future thanks to their help.
Stephen John
K&M Planning helped me find life insurance that fits my budget. I didn’t feel pushed—just guided
Daniel John
Mia T
Honest, clear, and affordable. I got dental coverage for my whole family in less than a day.
Chris L
