A new standard for an old industry.
Insurance has spent decades feeling slow, opaque, and often leaving families confused and unable to find the right protection. KFL was founded to flip that: an independent brokerage that works for the family across the table, not the carrier behind it. Insurance made simple, from our family to yours.
We combine modern technology with genuine relationships, so getting protected feels clear and human from the first conversation to every renewal that follows.
Khalsa First Life Financial Group was founded in 2025 on a simple conviction: protecting your family's future shouldn't feel complicated, impersonal, or transactional. For decades the insurance industry has run the same way: dense paperwork, pressure-driven sales, and one-size-fits-all products. We built Khalsa First Life to change that.
From our headquarters in Dallas, Texas, and through a nationwide network of independent agents across all 50 states, we pair modern technology with genuine human guidance, making the path to coverage clear, fast, and personal. Because we're an independent brokerage rather than a captive agency, our agents answer to you, not to a single carrier's product shelf. That independence lets us match each client with the right coverage from a wide range of top-rated carriers, and to keep serving them as their needs change across a lifetime.
We're early in our story, and that's the point. We're building Khalsa First Life the way this industry should have been built: relationship-first, technology-enabled, and relentlessly focused on the people we serve.
Independent, on purpose.
A captive agent represents one company and can only offer that company's products. An independent agency holds appointments with many, and the recommendation changes with the client in front of it.
Wider carrier choice
We quote across established carriers; a captive agent has one.
Advice that answers to you
Our agents have no carrier quota. The recommendation is the one that fits your age, health and budget.
Coverage that keeps up
When your life changes we re-quote the market, so the policy still fits years from now.
What we hold to.
Straight answers
We say what a policy does and doesn't do before you apply, including what a carrier might decline.
Plain words
No jargon on a call, and a monthly amount you hear before you decide anything.
Independence
We work for the client in front of us, never for one carrier's product list.
Service after the sale
The same agent, the same number, for beneficiary changes, questions and claims.
Based in Dallas, licensed in all 50 states.
The agency's office is in Dallas, Texas. Every quote, application and policy review happens by phone and video, so where you live changes which carriers fit and nothing else.
Our agents are licensed where their clients are, and the agency holds a license in every state, so a family in Maine and a family in Arizona get the same call.
- AL
- AK
- AZ
- AR
- CA
- CO
- CT
- DE
- FL
- GA
- HI
- ID
- IL
- IN
- IA
- KS
- KY
- LA
- ME
- MD
- MA
- MI
- MN
- MS
- MO
- MT
- NE
- NV
- NH
- NJ
- NM
- NY
- NC
- ND
- OH
- OK
- OR
- PA
- RI
- SC
- SD
- TN
- TX
- UT
- VT
- VA
- WA
- WV
- WI
- WY
Questions, answered.
What is Khalsa First Life Financial Group?
An independent life insurance agency licensed in all 50 states. We help families choose and apply for life insurance by phone and video, quoting across the carriers we're appointed with.
What does “independent agency” mean for me?
Our agents aren't tied to one company's products. We compare several carriers and recommend the one whose underwriting and price fit you, and if one declines you there's somewhere else to go.
What types of insurance do you offer?
Term, whole life, indexed universal life, guaranteed universal life, final expense, mortgage protection, accidental death coverage and annuities. Which products are available depends on your state and the carrier.
Do you serve my state?
Yes. The agency is licensed in all 50 states. Product availability and rates vary by state, which is one reason we quote more than one carrier.
How do I get coverage or speak with an agent?
Call or text (313) 702-4065, or use the Contact page to ask for a call back. A licensed agent calls or texts within one business day, learns what you need, and quotes the carriers that fit.
Are you hiring agents?
Yes. If you want to build a career in life insurance with an agency behind you, see For Agents and book an interview.