Start with your life.
We talk about who depends on you, what you want to protect, what you already have in place, and what would actually create a problem if something happened to you.
A PERSONAL INTRODUCTION
Hey, I’m
Kris.
Independent life insurance broker.
A real person on the other end of the call.
If I recently reached out, there’s a good chance you came here to see who was on the other end of the phone. Fair enough.
Verify my license
KRIS GILBERTPREPARE // PROTECT // PROVIDE
Clarity before decisions.
Understand your options. Ask your questions.
Take the next step when you’re ready.
01 // A LITTLE CONTEXT
An unfamiliar number.
A familiar reason.
At some point, you may have asked for information about protecting your family, your mortgage, or both.
Sometimes that request comes to me directly. Other times, it comes through a service that connects people looking for information with licensed brokers like me.
I don't want to assume what you were looking for—or that anything needs to change. My first job is simply to understand what prompted the request and where things stand today.
Don't remember filling something out? That's okay. Ask me what I received and we'll start there.
I'm not your lender, homeowners insurance company, or a government agency.
02 // INDEPENDENT VERIFICATION
Want to verify me?
Please do.
Knowing who you’re talking to matters—especially when the conversation involves your family and your finances.
My National Producer Number is below, along with links to the official licensing resources for each state where I’m licensed.
National Producer Number
22273212
22273212
Independent broker affiliated with
Pinnacle Life Group
Pinnacle Life Group
03 // HOW I WORK
Let’s make this
easier to understand.
There’s no reason to start with a product. We start with you—what you want to protect, what you already have, your health, and what comfortably fits your budget.
Understand the options.
Because I’m independent, I can look across multiple insurance companies and narrow things down based on your health, needs, and budget. Then I explain the tradeoffs in plain English.
Decide what fits.
Then we decide what makes sense. Sometimes that means putting something new in place. Sometimes what you already have is the right answer. Either way, you’ll understand why.
04 // QUESTIONS ARE WELCOME
A few things
worth clearing up.
Something else on your mind?
Send me a text
Is this homeowners insurance or PMI?
No. This is life insurance. Homeowners insurance protects the property, while PMI protects the lender. Mortgage protection is different—it’s about helping the people you leave behind handle the mortgage and other financial commitments.
What does “mortgage protection” mean?
Mortgage protection isn’t one specific type of policy. It’s life insurance structured around protecting your family from the financial impact of a mortgage if something happens to you.
What that looks like depends on your situation—the mortgage is part of the conversation, not the product itself.
What does an independent broker do?
It means I’m not tied to one insurance company. I can compare options across the companies I work with and narrow them down based on your health, needs, and budget.
Different companies look at people differently, so having options matters.
What happens during our conversation?
Mostly, I ask questions and listen. We’ll talk about what prompted the inquiry, who or what you want to protect, what you already have in place, and what comfortably fits your budget.
If it makes sense to explore coverage, I’ll ask some health questions so I can determine which options are actually realistic.
Do I have to buy anything?
No. And sometimes the right answer is not changing anything at all.
We’ll figure out what makes sense from there.
What if I already have life insurance?
Good. Let’s start with what you already have.
We can look at what it covers, how long it lasts, what you're paying for it, and what you originally wanted it to accomplish. If it still does the job, there may be nothing to change.
TWICE MONTHLY // BY KRIS GILBERT
The Preparedness
Letter.
A little perspective for
the life you’re building.
Two thoughtful notes each month.
Practical ideas, useful resources, and the occasional question worth sitting with.
WHEN YOU’RE READY
Let’s talk.
Person to person.
Have a question, want to find a time, or need to reschedule?
Reach out directly.
Save my contact
iPhone: Open the card, scroll down, and tap “Create New Contact.”
Android: Open the downloaded file, then follow the prompts to save it to your contacts.