Protect the People You Love Most
No family should have to worry about paying for funeral expenses while they're grieving.
At Kelebek Insurance Services, Robert Rhoades helps families find simple, affordable final expense plans with honest guidance and compassionate care.
Meet Robert Rhoades
Because This Isn't Just My Career...
When Robert lost his mother during one of the most difficult financial seasons of his life, he faced something no family should have to endure.
While grieving the loss of someone he loved, he was also struggling to find a way to pay for her funeral.
He sold what he could.
He worried.
He carried the weight that so many families unexpectedly face.
That experience changed everything.
Today, Robert has made it his mission to help families prepare before that difficult day arrives, so they can focus on healing instead of financial stress.
"Helping families protect the people they love is more than my profession. It's my promise."
"When my mother passed away, I learned that grief is hard enough. No family should also have to
worry about how they'll pay for a funeral."
Robert Rhoades
Why Families Trust Robert
Compassion First
You'll never be treated like a policy number.
Robert takes the time to understand your family, your budget, and your goals.
Independent Broker
Because Robert represents multiple top-rated insurance companies, he can help you compare options instead of being limited to one carrier.
Honest Guidance
No pressure.
No confusing sales tactics.
Just straightforward answers and recommendations you can feel good about.
Protection That Fits Your Budget
Affordable plans designed to help protect your family from unexpected funeral expenses.
Planning Ahead Is One Final Gift of Love
Planning ahead isn't about expecting the worst.
It's about making one loving decision today that can ease an enormous burden tomorrow.
Final expense insurance helps provide financial protection so your loved ones can focus on celebrating your life instead of worrying about how they'll pay for it.
Why Kelebek?
Kelebek is the Turkish word for butterfly. Around the world, butterflies symbolize hope, transformation, and the beauty of new beginnings. For us, they also represent the legacy we leave behind. Planning ahead is more than preparing for the future. It's one final act of love for the people who matter most.
One Policy.
Many Ways to Protect the People You Love.
Final expense insurance can help ease the financial burden of life's final expenses, allowing your family
to focus on what matters most...each other.
Kind Words From Families We've Helped
Frequently Asked Questions
We understand that choosing final expense insurance is an important decision.
Here are answers to some of the questions families ask most often.
How much does final expense insurance cost?
Policies are based on age and health. Every person is different. It can range from $2 - $5 per day.
Can I qualify even when I have health conditions?
Yes. The nice thing about being a broker is I work with multiple companies. You can be qualified with less than perfect health conditions.
Do I need a medical exam?
No. I simply ask you a series of questions and that is your medical exam. The companies, will run a medical background check to verify your medications.
How much coverage do I need?
It depends on whether you are doing a burial or a cremation and whether you want to leave money for your family.
Can my premiums ever increase?
No. Once you decide what your plan is your premium is locked in.
How quickly can coverage begin?
In as little as one day.
Which insurance companies do you represent?
As a broker I work with numerous companies such as Aetna, Aflac, Mutual of Omaha, Foresters, Royal Neighbors of America and Transamerica.
What happens after I apply?
Once you apply, we will prequalify you, get you 2-3 quotes, and then help you decide which is best for you. Most incomes, including social securty qualify.
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