CLARITY FOR TODAY
Peace of Mind for Tomorrow
Insurance decisions affect your health, your finances, your retirement planning, and the people you care about most. That’s why we believe insurance should never feel rushed, confusing, or transactional. At KB Insurance & Legacy Advisors, our role is to help you understand your options, protect what matters most, and make confident decisions that support your long-term goals and peace of mind.
Over 10,000 Americans turn 65 every day - most of them confused about Medicare. We make sure you're not one of them.
WHY CHOOSE KB INSURANCE
Helping You Make Sense of Your Options
Insurance can feel complicated, overwhelming, and at times even intimidating — especially when important decisions are tied to your health, retirement planning, and financial future. We believe you deserve guidance that is patient, honest, and easy to understand. At KB Insurance & Legacy Advisors, we take the time to listen carefully, explain your options clearly, and help you feel informed and confident every step of the way.
Education Before Enrollment
We simplify before we recommend. You decide — we never pressure.
Integrity Without Compromise
We serve long-term peace over short-term profit, always.
Protection
With Purpose
Every recommendation aligns with your life goals and legacy.
Multi-State
Licensed & Backed
Licensed in multiple states with strong agency partnerships.
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LIFE INSURANCE & LIVING BENEFITS
Protect Your Family's Future While You're Still Living
Most people think life insurance only pays out when you’re gone. Today’s life insurance does so much more and can pay while you are living. We help you build a policy that protects your income, supports your family, and gives you access to funds if a serious illness ever gets in the way.
Term & Permanent Life Insurance
Affordable protection that fits your budget and goals
Living Benefits
Financial support during serious health challenges and long-term care needs.
Million Dollar Baby Plans
Create long-term, multi-generational, tax-advantaged wealth and financial protection for children from an early age
Final Expense Planning
Ease the burden on loved ones during difficult times
MEDICARE PLANNING
Turning 65 Shouldn't Feel Like a Maze
Planning for the unexpected is one of the most loving things you can do for the people you care about. We guide individuals and families through documenting healthcare wishes and end-of-life preferences so your voice is heard when it matters most.
End-of-Life Planning
Give your loved ones clarity, guidance, and peace of mind before difficult moments arise
Medicare Supplement Plans
Start the dialogue that protects your family’s future
Enrollment Timeline Guidance
Understand when to enroll, what to expect, and how to avoid costly penalties or coverage gaps
Retirement Healthcare Planning
Align your Medicare decisions with your broader retirement goals
EMPLOYEE BENEFITS EDUCATION
Your Team Works Hard, Their Benefits Should Work Harder
Offering benefits is only half the equation. We partner with small and mid-size businesses to educate teams and build benefits strategies that strengthen culture without blowing the budget.
Employee Benefits Education
Help employees better understand and appreciate the benefits already available to them
Section 125 / Cafeteria Plans
Potentially reduce payroll taxes while creating additional savings opportunities for employees
Money@Work™ Financial Wellness Programs
Provide practical education and guidance to support employees through real-life financial decisions
Group Benefits Strategy
Build a benefits approach that supports employee wellbeing, retention, and long-term business goals
ADVANCED DIRECTIVES
The Conversation That Matters Most
Planning for the unexpected is one of the most loving things you can do for the people you care about. We guide individuals and families through documenting healthcare wishes and end-of-life preferences so your voice is heard when it matters most.
End-of-Life Planning
Give your loved ones clarity, guidance, and peace of mind before difficult moments arise
Legacy Conversations
Start the dialogue that protects your family’s future
Five Wishes℠ Healthcare Directives
Document your healthcare wishes with the Five Wishes advance care planning program
Disability & Long-Term Care Protection
Protect your income, savings, and lifestyle if illness, injury, or long-term care needs arise
MEET KIKI, FOUNDER OF KBI
Experience You Can Trust
Kiki Bandilla has lived through economic crashes, family health crises, and the exact moments of confusion her clients come to her with today. Those experiences didn’t just shape her perspective. They became her purpose. Now she helps individuals, families, and businesses prepare for life’s most important transitions with clarity, protection, and peace of mind.
She serves as a Holistic Legacy and End-of-Life Planner, Medicare and Life Insurance Broker, and Certified Five Wishes Advance Directive Presenter.
FREE RESOURCES
The More You Know, The More You Grow
Understanding your options shouldn’t require a degree. These resources are here to help you make confident decisions about Medicare, life insurance, and benefits planning.
Most Americans aren’t confident in their retirement plan. Find out what the other 86% are missing and how to protect your future starting today.
Your health insurance may not be enough. Learn how living benefits can protect your income, your family, and your future when a serious illness strikes.
Frequently Asked Questions
Let's Clear Things Up
These are some of the questions we hear most often. If you have more questions, we’d love to connect and answer them personally to help make things feel a little clearer and easier to navigate.
How do I get started without feeling locked into something?
It starts with a simple conversation with no pressure or obligation. We’ll take a look at where you are, answer your questions, and walk through a few options so you can decide what (if anything) makes sense for you. If you’d prefer to ease in at your own pace, we also offer Money classes where you can learn the fundamentals most of us were never taught in school. It’s a relaxed, no-pressure environment, and a great way to start building confidence around your financial decisions.
Do I even need this, or is someone trying to just sell me something?
Fair question! Our approach is education-first, so you’ll always understand your options. And when you’re ready, we help you implement what truly fits your goals.
Is my family really protected, or do I just think they are?
Most people think they’re covered until we uncover gaps — things like income shortfalls, outdated beneficiaries, or policies that may not perform as expected. We help make sure your protection actually works when it matters most.
How do I know which Medicare plan is right for me?
We walk you through your options in simple terms and help you compare plans based on your doctors, prescriptions, and lifestyle. As an independent insurance advisor, our focus is on helping you choose what fits you.
Will my family know what to do if something happens to me?
We help you not only put plans in place, but also organize and document everything clearly. That way, your family isn’t left guessing during a difficult time. If it feels right, we can even help guide a conversation with your family. It’s a simple, meaningful way to make sure everyone is on the same page and your wishes are clearly understood.