Hi, I'm Kayt

I'm not going to ask you to imagine your family without you. Let's just do the math.

Licensed in 33 states. I'll tell you what it costs, what it doesn't cover, and whether you actually need it — including the times you don't. No scripts. No “only good today.” That's the whole pitch.

Book the 15 minutes Who even are you?
(It's pronounced “Kate.”) Single mom, recovering project manager, and the person who answers her own phone.
Kayt Cabigas Your headshot goes here
images/headshot.jpg
A-Ratedcarriers
33states licensed
7 yrsas a project manager before this
A-Ratedcarriers in every state
33states licensed & growing
1:1never a script, never a call center
Kayt Cabigas Add a candid photo here
images/about.jpg

How I got here

I sold tile for seven years. Then my little sister told me to get licensed.

For seven years I was a project manager in commercial design — tile, marble and quartz for kitchens and baths. I liked it. I liked my boss, and the flexibility let me show up for my son, Brayden. My salary had also stopped moving, and I was doing it on one income.

I've raised Brayden on my own since he was one. When I moved to Nashville, one income stopped being enough. My little sister, already in insurance, looked at me and said, “You can do this.” I studied, took the licensing exam, and passed on the first try.

Then I did it the hard way — no training, no support, taking inbound calls at night while still working the day job. So I did what I do: made a list and went looking. I found the Life Insurance Academy podcast, and one phrase stopped me cold — ethical and principled selling. I wrote it on a notecard. It's still on my board.

I heard a woman on that podcast whose values matched mine, so I messaged her. That message led me to Lasting Mark, the Empower Life Group under Dana Nesen, and my mentor Sydney Deshotel. In August I jumped for real. First time in my career I had people who cheered and also told me the truth.

I'm still early in this, which is exactly why I get it. Families deserve someone who picks up the phone, and new agents deserve the landing I got lucky enough to find.

Anyway,

Kayt

Unprompted

Things nobody asked

💛

Mom to Brayden (14). He is deeply unimpressed by all of this.

🏡

Nashville started it. Louisville, KY has me now.

🙏

Faith-led. I prayed on this a long time before I did anything about it.

📐

Recovering project manager. Seven years of tile, marble and quartz.

☕

I will always say yes to coffee. I will rarely say yes to small talk.

📞

Licensed in 33 states. Yes, that is my actual phone number.

Receipts

Proof I have a life

Not stock photos. Not AI. Just my camera roll.

Kayt and her son Braydenlife-brayden.jpg
Brayden. The whole reason.
Kayt outdoorslife-outdoors.jpg
Outside, before the phone starts.
Kayt with her familylife-family.jpg
The people who keep me honest.
Kayt smilinglife-fun.jpg
Coffee. Always coffee.

“Nobody has ever thanked me for selling them a policy. They thank me two years later, when a check arrives and nobody has to ask a single person for help.”

— Kayt

What I'm working toward

What I'm chasing right now.

Two of these are for the families I work with. One is purely for my own ego. All three are on a whiteboard where I have to look at them every morning.

30 families covered every month
10 new agents trained, properly this time
13.1 miles. My first half marathon. By January.

Two ways I can help

Two reasons people call me.

🛡️

For Families

Real numbers, no fear-mongering, and an honest answer about whether you need this at all.

We talk about actual numbers. What comes in, what goes out, and what's left standing if you're not here. Do you have savings? A plan B? Nobody is trying to make your family rich. The goal is that grief doesn't show up with a bill attached to it.

  • Built around your actual numbers — 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
  • A real person on the phone. Not a call center, not a bot.
Get the real number
🌱

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
See what joining looks like

What I stand for

What I actually mean by that

People over policies

Behind every application is a real family. That is why I am slow.

Ethical & principled selling

I wrote those words on a notecard my first month. It's still on the board.

Nobody does this alone

I found people whose values matched mine. I am trying to be that for somebody else.

You will always reach a human

You'll always reach a person. I know that's a low bar. Half this industry can't clear it.

Not my 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

Questions people actually ask

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

Grab 15 minutes

Families or agents, same calendar. Fifteen minutes, no slide deck, and you can absolutely leave with nothing.

Book the 15 minutes

Or send a note below and I'll find you a time.

Reach out

Rather not talk to a human yet?

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

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