Business Details
8 Years
experience
Life Insurance & Financial Protection in Everett, WA
Kerney Insurance has been dedicated to providing personalized insurance solutions since 2018, building on over three decades of combined industry experience. Our mission centers on protecting families and businesses through tailored life insurance, mortgage protection, and financial planning services. We prioritize client needs by offering competitive pricing from top-rated carriers while maintaining a service-oriented approach rooted in trust and transparency. Our team leverages deep local knowledge and industry expertise to guide clients through complex insurance decisions. With a focus on long-term relationships, we ensure clients feel confident their financial future is secure.Our commitment to excellence extends to every interaction, from initial consultations to policy management. Backed by partnerships with industry leaders like Prudential and Safeco, we deliver reliable solutions that adapt to evolving client needs. Located in Everett, Washington, we serve both individuals and businesses with personalized attention. Our agency culture emphasizes financial security, cost efficiency, and unwavering client support. For over 30 years, our professionals have helped clients navigate life's uncertainties with confidence.
Services
Life Insurance
Mortgage Protection
Annuities
Disability Insurance
Final Expense Insurance
Financial Planning
Details
- Year established: 2018
Highlights and features
- We offer 30+ years of combined experience in life insurance planning
- Our independent agency provides unbiased recommendations from top-rated carriers
- Personalized service focused on individual client needs and circumstances
- Competitive pricing through partnerships with industry-leading insurance providers
- Community-based approach with deep local market understanding
Services
Life Insurance
Our life insurance policies protect loved ones' financial security by replacing lost income in case of unexpected events. We offer term and permanent coverage options tailored to family needs. Policies help maintain household stability and cover future expenses like education costs.
Mortgage Protection
Mortgage protection plans ensure your family keeps their home by paying off remaining balances in case of death. This coverage provides peace of mind during difficult times while maintaining housing stability. Policies can be customized to match specific loan terms and family circumstances.
Annuities
Annuity solutions provide guaranteed income streams for retirement or legacy planning. We offer fixed, variable, and indexed options to meet different risk profiles and financial goals. These instruments help supplement retirement savings while offering tax-deferred growth potential.
Disability Insurance
Disability coverage protects against income loss from unexpected injuries or illnesses. We provide short-term and long-term options to maintain financial stability during recovery periods. Policies help cover essential expenses when work becomes temporarily impossible.
Final Expense Insurance
Final expense policies cover funeral costs and other end-of-life expenses without burdening family members. These plans offer predetermined coverage amounts with simplified underwriting processes. They ensure loved ones aren't left with unexpected financial obligations during grieving periods.
People
Ken Kerney
Agency Owner
With over 30 years in insurance, Ken founded Kerney Insurance in 2018 after a successful career with Farmers. He specializes in personalized life insurance solutions and community-focused service. A Snohomish County native, Ken combines local knowledge with industry expertise to protect families' financial futures.
Questions
What life insurance options do you offer?
We provide term life, whole life, and universal life insurance policies tailored to individual needs. Our independent agency offers products from top-rated carriers like Prudential and Safeco.
How can I determine the right coverage amount?
Our advisors analyze income, debts, and future obligations to recommend appropriate coverage. We consider family needs, mortgage balances, and long-term financial goals during consultations.
Do you help review existing policies?
Yes, we offer free policy reviews to assess coverage adequacy and identify potential gaps. Our analysis includes policy performance, beneficiary designations, and alignment with current life circumstances.
What areas do you serve?
While based in Everett, WA, we serve clients throughout Washington state. Our services include in-person consultations, virtual meetings, and phone support for local residents.
How are premiums determined?
Premiums depend on age, health, coverage amount, and policy type. We compare rates from multiple carriers to find competitive pricing that matches individual risk profiles.
Can I get coverage with health issues?
Yes, we work with carriers offering policies for various health conditions. Options include simplified issue policies and guaranteed acceptance life insurance for qualifying applicants.
