Kelly Knipe
Planning for the future can be daunting, but protecting your family’s financial security doesn’t have to be. IUL Insurance provides peace of mind by offering lifelong coverage and potential cash value growth, ensuring that your loved ones are protected while you build a flexible financial safety net.


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Kelly Knipe

Planning for the future can be daunting, but protecting your family’s financial security doesn’t have to be. IUL Insurance provides peace of mind by offering lifelong coverage and potential cash value growth, ensuring that your loved ones are protected while you build a flexible financial safety net.
About Us
Owner/Broker Kelly Knipe started his insurance career in 1998 providing life and health insurance. In 2001 he obtained his Property & Casualty license and while working at a large regional firm developed the skills and knowledge necessary to properly advise clients from small to large. Sierra Diversified Insurance Services is commited to providing the best risk management programs while negotiating the most competitive rates available in the insurance marketplace!
Kelly Knipe
NPN: 2438100
About Us
Owner/Broker Kelly Knipe started his insurance career in 1998 providing life and health insurance. In 2001 he obtained his Property & Casualty license and while working at a large regional firm developed the skills and knowledge necessary to properly advise clients from small to large. Sierra Diversified Insurance Services is commited to providing the best risk management programs while negotiating the most competitive rates available in the insurance marketplace!
Kelly Knipe
2438100
IUL Insurance provides lifelong coverage with cash value growth tied to market performance, allowing you to protect your family and build savings with flexible premiums.
IUL offers coverage while accumulating cash value, which can be accessed for retirement, emergencies, or other needs. It’s a flexible plan for long-term financial security.
IUL Insurance provides lifelong coverage with cash value growth tied to market performance, allowing you to protect your family and build savings with flexible premiums.
IUL offers coverage while accumulating cash value, which can be accessed for retirement, emergencies, or other needs. It’s a flexible plan for long-term financial security.
Reviews
Reviews

More Info
IUL Insurance is ideal if you want lifelong coverage with the potential for cash value growth. It’s a flexible option that lets you adjust your premiums and death benefit, making it suitable for those who want both protection and a financial growth opportunity.
The amount of coverage depends on your financial goals and the needs of your beneficiaries. IUL policies can be customized, allowing you to choose a coverage amount that provides security for your family while meeting your budget.
In many cases, a medical exam may be required for IUL Insurance, especially if you're looking for higher coverage amounts. However, some policies may offer simplified underwriting for lower coverage limits.
Yes, you can access the cash value accumulated in your IUL policy. It can be used for various financial needs, such as supplementing retirement income, covering unexpected expenses, or funding education.
You can start by scheduling a consultation to discuss your needs with an insurance expert. They’ll help you customize your IUL policy and guide you through the application process.

More Info
IUL Insurance is ideal if you want lifelong coverage with the potential for cash value growth. It’s a flexible option that lets you adjust your premiums and death benefit, making it suitable for those who want both protection and a financial growth opportunity.
The amount of coverage depends on your financial goals and the needs of your beneficiaries. IUL policies can be customized, allowing you to choose a coverage amount that provides security for your family while meeting your budget.
In many cases, a medical exam may be required for IUL Insurance, especially if you're looking for higher coverage amounts. However, some policies may offer simplified underwriting for lower coverage limits.
Yes, you can access the cash value accumulated in your IUL policy. It can be used for various financial needs, such as supplementing retirement income, covering unexpected expenses, or funding education.
You can start by scheduling a consultation to discuss your needs with an insurance expert. They’ll help you customize your IUL policy and guide you through the application process.
Legal
Legal