Do you think of life insurance as just another bill to pay? Kevin Kimbrough, who brings over 30 years of experience in the insurance and financial services industry, joins us to flip that idea on its head. In this episode, he shows how life insurance can be one of the most powerful assets in your financial plan—not just an expense.

Meet Kevin Kimbrough

·  Kevin Kimbrough is the Executive Director of Fiduciary Insurance Solutions with the Pinnacle Group. 

·  With over 33 years of experience in the financial services industry, Kevin specializes in insurance, annuities, and long-term care planning. 

·  He collaborates closely with registered investment advisors, their teams, and clients to provide prudent, fiduciary-focused guidance on insurance solutions. 

·  Kevin’s approach is deeply client-centered, always prioritizing each client’s unique long-term goals and best interests over quick fixes or the lowest-cost products.

The Fiduciary Approach

·  Kevin shares what it really means to be a fiduciary in the insurance industry: always putting the client first. 

·  Instead of pushing the cheapest product, he explains how careful policy reviews and smart product selection create coverage that truly fits your life and long-term goals.

Why Annual Policy Reviews Matter

·  “Set it and forget it” doesn’t work with insurance. Kevin introduces his CPR method—Cost, Performance, and Risk—to reveal hidden fees.

·  His method helps you track how your policy is actually performing and ensure your carrier remains strong. It’s a simple check-up that can save you thousands.

Term vs. Permanent: More Than Just Premiums

·  It’s tempting to chase the lowest premium, but Kevin explains why conversion privileges on term policies are critical. 

·  If your health changes down the road, that flexibility could make all the difference in securing coverage when you need it most.

Insurance for Legacy & Tax Planning

·  Life insurance isn’t just about protecting your loved ones today. 

·  Kevin walks through how permanent policies can create tax-advantaged wealth transfers, support charitable giving, and even include long-term care riders that offer vital flexibility in tough times.

Real-Life Scenarios That Work

·  Through practical stories, Kevin shows how reviewing a policy—even years after purchase—can uncover better benefits, add long-term care protection, or reduce costs.

·  For those on a budget, he explains strategies like blending term and permanent insurance, then gradually layering in more permanent coverage over time.

·  He changes the way you see life insurance: not as a drain on your wallet, but as a wealth-building tool that protects your future.

“When you have permanent insurance—and it’s the right type of policy that’s properly structured, funded, and managed—it should be inevitable that it will be there when you pass away. That’s why annual reviews are so important, to make sure the policy is performing as it should. With permanent insurance, you know you’re creating an asset that can transfer in a very tax-efficient way to your children, grandchildren, or even the charities you care about most.” - Kevin Kimbrough.