Hi, I'm Kayt

I left the safe path to do work that matters. Let me help you protect what matters to you.

I spent eight years building a career I loved — then took a leap to do work that matters more. Now I help families across 33 states protect the people they love, and I mentor new agents the way someone once mentored me. No scripts. No pressure. Just honest conversations with a human who actually picks up the phone.

(It's pronounced “Kate.”) A single mom & career-changer — now your advocate in life insurance.
Kayt Cabigas Your headshot goes here
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A-Ratedcarriers
33states licensed
8 yrsas a project manager before this
A-Ratedcarriers in every state
33states licensed & growing
1:1real conversations, never a script
Kayt Cabigas Add a candid photo here
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My Story

I took a chance on myself — and it changed everything.

For eight years I was a project manager in commercial design — tile, marble, and quartz for kitchens and baths. I loved my boss and the flexibility that let me show up for my son, Brayden. But my salary had capped out, and something inside kept telling me I was made for more.

I'm a single mom — I've raised Brayden on my own since he was one. When I moved to Nashville, one income wasn't enough, and my little sister, already in insurance, looked at me and said, “You can do this.” That belief was the push I needed. I studied, took the licensing exam, and passed on the first try.

Then I jumped in headfirst — no training, no real support, taking inbound calls while still working my old job. It was hard. So I did what I do: I made a list, went looking, and found the Life Insurance Academy podcast. One idea stopped me cold — ethical and principled selling. I wrote it on a notecard that's still on my board. This was never about making a sale. It's about being responsible for helping people protect their families.

I heard a woman on that podcast whose values matched mine, and I reached out. That one message led me home: to Lasting Mark, the Empower Life Group under Dana Nesen, and my mentor Sydney Deshotel. In August I made the full jump. For the first time in my career, I had a community that both cheered me on and held me accountable — and I finally started holding my head a little higher.

I'm still early in this journey, and that's exactly why I get it. In a world full of automation and AI, families deserve a real person who listens — and new agents deserve the home I was lucky enough to find. That's the work I get to do now.

With heart,

Kayt

Before we talk business…

A few things about me

💛

Mom to Brayden (14) — my biggest cheerleader, and the reason I took the leap.

🏡

Nashville got me started — now I'm putting down roots in Louisville, KY.

🙏

Faith-led. I prayed on this leap for a long time before I finally took it.

📐

Recovering project manager — 8 years in commercial design before this.

I will always say yes to a coffee and a real, honest conversation.

📞

Licensed in 33 states — and yes, I actually answer my own phone.

Real life, real person

A little of my world

Not AI, not stock photos — just me and the people I love.

Kayt and her son Braydenlife-brayden.jpg
Me and my “why” — Brayden.
Kayt outdoorslife-outdoors.jpg
Getting outside to recharge.
Kayt with her familylife-family.jpg
The people who keep me grounded.
Kayt smilinglife-fun.jpg
Always up for coffee and a real conversation.

“This was never about making a sale. It's about making sure the people you love never have to carry the weight alone.”

— Kayt

What I'm working toward

The goals that keep me showing up.

I'm a goal-setter — some are for the families I serve, some are just for me. But they all come back to the same thing: show up, do the hard thing, and take care of people. Here's what I'm chasing right now.

30 families I help protect every single month
10 new agents I'm training to help even more families
13.1 miles — my first half marathon, by January

Two ways I can help

Whether you're protecting a family or building a career.

🛡️

For Families

I help families get real about the future — without fear, and without the sales pitch.

We sit down and talk about what matters: What are your goals for your family? Do you have savings, a plan B? If the unexpected happens, will they be financially steady — or will there be pressure on top of grief? We're not here to make anyone a millionaire. We're here to make sure you don't leave a financial burden behind for the people you love.

  • Coverage tailored to your goals — never one-quote-fits-all
  • I work with A-rated carriers in every state to find your best fit
  • Licensed in 33 states — I work all over the country
  • Available by phone anytime — a real person, not a call center
Protect your family
🌱

For Agents

I started with no training and no one to call. I know how lonely that is — so I'm building something different.

When I got licensed, I was handed a dialer and left to figure it out alone. Everything changed when I found a community with real values — mentors who invest their time, answer the phone, and hold up both a picture of who you want to become and an honest mirror of who you're showing up to be. Now I'm building my own team on that same foundation, so no new agent has to go it alone.

  • Real mentorship — not a sink-or-swim dialer
  • A community rooted in ethics, values & accountability
  • Live coaching and call reviews
  • Support from someone still in the trenches with you
Explore joining my team

What I stand for

Values & principles

People over policies

Behind every application is a real family. I never forget that, and I never rush it.

Ethical & principled selling

I wrote those words on a notecard my very first month. They still guide every single conversation I have.

Find your home in community

We succeed together. I look for values, morals, and ethics that align — and I help others find that too.

Real in the age of AI

You'll always reach a human. In uncertain times, that's exactly what people deserve.

Kind words

People I've gotten to help

For several weeks I had been trying to find a policy that would cover my funeral expenses when the time comes. I was so frustrated with people not listening who kept trying to sell me more than I needed. Once I got Kayt on the phone, my prayers were answered! She listened to me and set me up with a policy I could afford on my limited income. Quick response to any questions, and done with a smile! Kayt is a keeper!
— Marge S., client
Kayt is an awesome agent. She has gone above all my expectations on my policy and helped me through some tough times with numerous call backs. I couldn't ask for a more pleasant and helpful response. Thank you.
— Patrick Wentz, client

Good questions

Frequently asked questions

Where are you located, and who can you work with?

I'm based in Louisville, Kentucky, but I'm licensed in 33 states and work with families all over the country. Almost everything happens by phone or video, so we can meet wherever you are — no office visit required.

Licensed in: AL, AR, AZ, CA, CO, CT, FL, GA, IA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NJ, NV, OH, OK, PA, RI, TN, TX, UT, and WI.

How much does life insurance cost?

There's no one-size-fits-all price — it depends on your age, health, and the coverage that actually fits your family's goals. That's the whole point of working with me: I work with A-rated carriers in every state to find the best fit for what you want to protect and what your budget allows. The first conversation is free, and there's never any pressure.

What can you help me with?

Quite a bit. On the life insurance side, I personally help families with:

  • Term life
  • Whole life
  • Indexed universal life (IUL)
  • Mortgage protection
  • Annuities
  • Long-term care planning
  • Legacy planning

Because I work with A-rated carriers in every state, I can match you to the right fit for your situation instead of forcing one product on everyone.

Do you help with retirement planning?

Yes. Rather than focusing on just one product or one area, I can connect you with a retirement specialist who helps build a comprehensive plan — looking at income, taxes, investments, healthcare planning, and legacy planning together. If it would be helpful, I'd be happy to introduce you for a complimentary On-Track Retirement Review.

What if I've been turned down before, or have health issues?

Please don't count yourself out. Every carrier looks at health differently, and working with A-rated carriers across the country means I can often find a good option even when one company has said no. Let's talk it through — you might have more choices than you think.

I'm a new (or aspiring) agent — can I work with you?

Yes — this is close to my heart. I started with no training and no one to call, so I'm building a team where new agents get real mentorship, live coaching, call reviews, and a community grounded in ethics and accountability. If you want to do meaningful work and grow, reach out and let's talk.

How do we get started?

Book a call or send me a note — whichever feels easier. We'll have an honest conversation about your family and your goals, and go from there. No scripts, no pressure, ever.

Let's talk

Book a time with me

Whether you're a family wanting protection or an agent exploring a fresh start — grab a time that works for you. No pressure, just a real conversation.

Book a Call

Send me a quick note below and I'll personally reach out to find a time that works for you.

Reach out

Prefer to just say hi first?

Send me a note and I'll get right back to you. Or call — I pick up.

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