Life insurance, final expense, and retirement protection from an independent agency. We compare 30+ top carriers for you, so you get the right coverage at the right price.
Get my free quoteCall 1-877-708-4876The mortgage, the bills, the kids' future. Life insurance makes sure the people you love keep their home and their plans, no matter what. The younger and healthier you are, the less it costs, so the best time to lock in a rate is today.
Protect my familyFrom young families to retirees, we have an option built for where you are.
Big protection for a small monthly cost, for the 10, 20, or 30 years your family needs it most.
Coverage that never expires, premiums that never go up, and cash value that grows over time.
Small, affordable coverage so your family isn't left paying for your funeral and final bills.
Permanent coverage with cash value that can grow based on a market index, with a 0% floor.
Protect your savings from market crashes and turn them into income you can count on.
Tell us a little about you and a licensed agent will walk you through your options in plain English. Most families end up with a mix.
Answer a few quick questions. It takes about a minute.
We do the comparing so you don't have to, and find the best fit for your health and budget.
Review your options by phone or video. No pressure, no obligation. You decide.
Lani Kai Group is an independent agency founded by Vincent Dinh in Temecula, California. We're not tied to any one company, so our only job is finding what's best for you.
Straight answers, fair prices, and real protection when it matters most. That's the Lani Kai promise.
Takes about a minute. A licensed agent will reach out with your options.
A common starting point is enough to replace several years of income, pay off your mortgage and debts, and cover future costs like college. We'll help you land on a number that fits your real situation.
Not always. Many carriers offer plans with no medical exam, based on a few health questions. Some larger policies may require one.
Term covers you for a set number of years at a lower cost. Whole life covers you for your entire life, with fixed premiums and cash value. Many families use term for big income needs and whole life for permanent needs.
A small whole life policy, typically for ages 50 to 85, that covers funeral costs and final bills. It usually needs no medical exam and the rate never goes up.
Indexed universal life is permanent life insurance with cash value that can earn interest based on a market index, with a 0% floor on credited interest. It works best for people who can fund it consistently over many years.
Annuities are usually a fit for people nearing or in retirement who want to protect part of their savings from market losses or create steady income. They're long term products with surrender periods, so we'll review your needs before recommending one.
No. Quotes and consultations are free, and you're never obligated to buy.
We're growing and looking for motivated people who want to help families and build a remote career. Licensed or not, we'd love to talk.
Vincent Dinh, Licensed Life Insurance Agent. CA License #0G06700. NPN #10433013. Lani Kai Group is an independent insurance agency serving clients in all 50 states and the District of Columbia through agents licensed in each client's state. Products and coverage are not available in all states.
Coverage, rates, and eligibility are determined by the issuing insurance company and are subject to underwriting. This page is for informational purposes only and is not a guarantee of coverage or price. Lani Kai Group does not offer variable products or securities, and does not provide tax or legal advice.
Indexed universal life insurance is not a security or a direct investment in the stock market or any index; index crediting is subject to caps and participation rates, and policy charges reduce cash value. Final expense insurance is not a government program and is not affiliated with Medicare or Social Security.
Annuities are long term insurance products designed for retirement. Guarantees are backed by the financial strength and claims paying ability of the issuing insurer. Fixed indexed annuities are not a direct investment in the stock market or any index. Withdrawals during the surrender period may be subject to surrender charges, and withdrawals before age 59½ may be subject to a 10% IRS penalty.