Final Expense Insurance

Keller Insurance specializes in competitively priced life insurance and annuity products designed for seniors. These products include life insurance to cover life’s obligations such as mortgage, family income and last expenses, and annuities to provide additional income in retirement years.

  • Universal Life
  • Mortgage Life
  • Term Life
  • Annuities
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Today’s Retirement Challenges

Approximately 40% of American seniors and their partners are expected to experience downward social mobility in retirement.

In order to better prepare for your retirement, it is important to understand some of the socioeconomic factors contributing to current retirement challenges.

Life Expectancy

Americans over the age of 65 is a rapidly growing demographic. As life expectancy continues to increase, it is more important than ever to protect your nest egg so that you do not outlive your life savings.


Annuities are often used as a way to fund retirement. They protect retirees from longevity risk and establish a basline of income.

Some consider annuities as illiquid and costly and avoid them, even though research has shown that the security provided by annuities boost retirement satisfaction.

We all have different financial goals. Varying objectives is another key component of the annuities. You can adjust the allocations on the contract anniversary, coinciding with the end of the crediting period, to continue to meet your changing needs.

Your Lifestyle

Obtain financial security and accomplish goals you have set for your lifestyle, retirement income and legacy by taking advantage of the flexible options provided by the indexed annuity. These strategies were created to help protect what you have worked hard for and provide opportunities to accumulate wealth, so you can rest easy in retirement knowing you are preserving the legacy you have built.

Whole Life Insurance

We’re proud to offer our whole life products for individuals who want protection throughout their lives and to protect their loved ones.

Features and Guarantees

You have all the time in the world to decide when you want your family and loved ones to receive the benefits of your savings. When it’s time for them, a guaranteed death benefit will be waiting there just as if you were still alive – without any worries about taxes or inflation that plague typical investments during life.

  • A guaranteed, income-tax-free death benefit that will never expire or decrease in value if there are no loans or withdrawals.
  • Imagine the peace of mind that comes with knowing you will never have to worry about your health insurance rates rising just because you got older.
  • You can use a cash value for life situations such as paying tuition, buying a home, or investing in retirement income. Your money accumulates on a deferred tax basis, so it will be there when you need it most!

Which Whole Life Policy is Right for Me?

Continuous pay whole life

  • This continuous pay policy offers the lowest premiums out of our whole life products. It extends over your entire lifetime, significantly lowering monthly payments and providing security for you and those who depend on you most.
  • Ages 0-85
  • Minimum Annual Premium – $150

10-pay whole life

  • An excellent fit for someone who wants total coverage paying funds in full within ten years
  • Ages 0-85
  • Minimum Annual Premium – $150

20-pay whole life

  • An excellent fit for someone who wants total coverage paying funds in full within twenty years
  • Ages 0-80
  • Minimum Annual Premium – $150

Single-premium whole life

  • Coverage guaranteed after one payment
  • Ages 20-90 with a minimum face amount of $10,000
  • Ages 0-19 with a minimum face amount of $7,500, maximum $15,000

Single-premium high cash value whole life

  • Coverage guaranteed after one payment
  • The cash value of the policy is higher in the early years compared with other whole life products.
  • Ages 40-90
  • Minimum Premium Amount – $10,000

Term Life Insurance

We’re an excellent fit for individuals looking to protect their families over specific periods. We offer our customers coverage across all life stages with different options designed for temporary circumstances.

Features and Guarantees

  • The policy offers a guaranteed premium
  • Designed for temporary circumstances
  • Tax-free benefits

Which Term Life Policy is Right for Me?

Term life

  • Available in 10, 20, or 30-year terms
  • Premiums to fit your budget
  • Ages 18-65 for ten and twenty-year policies
  • Ages 18-55 for thirty-year policies

Junior term

  • Ideal for children and students
  • Covers up to age 30
  • Ages 0-18

We offer solutions that provide lasting peace of mind.

Universal Life

Mortgage Life

Term Life