Building Relationships

...with a respect for

your Needs, your Time, and your Budget.

Should I get life insurance if I'm single? Can I have more than one (1) policy? How can the insurance proceeds be used? What are "knockout" questions? What are "living benefits"?

ABOUT US

My Mission

As an independent life insurance agent, my mission is to provide exceptional life insurance solutions tailored to meet your unique needs and financial goals. With an unwavering commitment to professionalism, integrity, and customer service, I will strive to offer comprehensive and unbiased advice on a wide range of life insurance products. As a broker, I have the ability to quote numerous carriers so you get the best coverage at the best price. I will assist you in analyzing your individual circumstances and crafting a personalized life insurance plan that will protect your family's financial future and give you peace of mind.

SERVICES

Term Insurance

Term insurance is a policy that is limited to a specific "term" or period of time between 1 to 30 years. If one dies during this term, the "benefit", or face amount of the policy, is paid to a designated "beneficiary" and can be used for anything the beneficiary chooses including funeral expenses, future education costs, or other outstanding debts.

Mortgage Insurance

Mortgage Life insurance is a policy that pays off mortgage debt when one dies. It's term coincides with the length of the mortgage loan. The "benefit" decreases with time to match the declining principal amount of the mortgage loan. The "beneficiary" of this type of policy is the mortgage holder (i.e. the bank who originated the loan).

Final Expense Insurance

Final Expense insurance is a whole life insurance policy. The "benefit", or face amount of the policy, is paid to a designated "beneficiary" upon one's death. This amount is typically used to pay for funeral expenses, outstanding medical bills, or provide a gift of cash. While the average cost for a traditional funeral in Maine now exceeds $8,600*, inflation will increase these costs to over $30,000 by 2050!

TESTIMONIALS

What others are saying

"What a great experience"

"I was hesitant to purchase life insurance, but Joe at Kaper Insurance Group made the process easy and straightforward. I didn't think I would qualify but now I'm so happy to know that my loved ones are protected."

- Emily R

"I'm happy to know my kids are covered"

"After shopping around, I found that
Kaper Insurance Group, LLC offered the best rates and coverage options for my family's needs. And, Transamerica's funeral concierge service is brilliant."

- David K

"Highly recommend"

"I've been with Kaper Insurance Group for a while and have always been impressed with their customer service. Joe truly cares about his clients."

- Sarah T

Frequently Asked Questions

Common Questions Answered for your convenience.

What is insurance?

Insurance is a contract between an individual or business and an insurance company, where the insurance company agrees to provide financial protection against specific risks or losses in exchange for premiums.

Why do I need insurance?

Insurance helps protect you and your loved ones from financial loss due to unexpected events such as accidents, illnesses, natural disasters, or death.

What types of insurance are available?

There are several types of insurance, including life insurance, health insurance, auto insurance, home insurance, disability insurance, and long-term care insurance.

How do I file a claim?

To file a claim, contact your insurance company or agent as soon as possible, providing detailed information about the incident or loss.

How do I pay my premiums?

You can pay your premiums through various methods, including online payments, automatic bank drafts, or mail-in payments.

Can I cancel my policy?

Yes, you can cancel your policy, but you may be subject to penalties or fees, depending on the terms of our policy and the insurance company's cancellation policies.

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