We provide consultative services and products for producers who are licensed to sell life insurance in Texas. At KMBSI, we pride ourselves in providing first rate service coupled with professional support. Whether it is term or permanent, disability, long term care insurance or annuities, we have the dedication and knowledge to service each of our clients and their particular needs.
Thirty Years !!!! Help us celebrate our thirtieth year serving the brokers of South and Central Texas. We continue to innovate even after 3 decades! The life insurance industry is ever-evolving. Never before, has the demographics of your clients and how they interact with you been so heavily weighted to the online world. However, building and maintaining personal relationships with your clientele is still a pivotal factor in the life insurance industry. Allow us the opportunity to provide you with new ideas and tools to enable you to keep pace in a rapidly changing market.
Understanding Long-Term Care
Understanding the types of long-term-care services—and what those services could cost—may be critical.
Universal Life Insurance
Universal life insurance is permanent insurance with a flexible premium. Here's how it works.
Planning for the Expected
You can plan ahead to protect yourself and your family against the financial consequences of deteriorating health.
In the event of an unforeseen accident or illness, disability insurance may be a good way to protect your income and savings.
1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.
Is your estate in order? This short quiz may help you assess your overall strategy.
Irrevocable life insurance trusts can be important tools that may accomplish a number of estate objectives.
A quick look at how federal income taxes work.
Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."
Assess how many days you'll work in 2012 to pay federal tax liability.
Estimate how many years you may need retirement assets or how long to provide income to a surviving spouse or children.
Use this calculator to estimate your income tax liability, along with average and marginal tax rates.
Estimate how much you have the potential to earn during your working years.
Use this calculator to estimate your net worth by adding up your assets and subtracting your liabilities.
Determine your potential long-term care needs and how long your current assets might last.
Learn more about taxes, tax-favored investing, and tax strategies.
The chances of needing long-term care, its cost, and strategies for covering that cost.
How federal estate taxes work, plus estate management documents and tactics.
The importance of life insurance, how it works, and how much coverage you need.
Do you have causes that you want to support with donations? Here are three tips.
A will may be only one of the documents you need—and one factor to consider—when it comes to managing your estate.
Recent changes in estate tax laws could affect the strategy you have in place.
When do you need a will? The answer is easy: right now.
Millions faithfully file their 1040 forms each April. But some things about federal income taxes may surprise you.
Despite recent tax-law changes, a stunning 4.6 million Americans are expected to pay the AMT in 2018.