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Ken Barnes
Ken Barnes
Barnes Family Agency
Agent
 
(443) 528-5290
Baltimore Area, MD

I am a licensed agent with Symmetry Financial Group, a nationally recognized organization offering life insurance solutions including mortgage protection, disability, retirement protection, term life and more. With access to over 30 of the top carriers, I can help you find personalized coverage to fit your budget.

Helpful Resources

 
 
The earlier you begin saving money for your retirement, the easier it will be to enjoy the lifestyle you deserve.
 
Having term life insurance can make all the difference if tragedy were to strike – and getting a policy is easier than you might expect.
 
Although it can be difficult to plan your final expenses, having these preparations in place can make all the difference for your loved ones.

Product Selector

 

Explore a range of products supported by the top 30 insurance carriers.

Mortgage Protection
Mortgage Protection
 
Ensures that your mortgage payments are always met on time, even in the face of unexpected tragedy.
Universal Life Insurance
Universal Life Insurance
 
Provides a depth of coverage that is both flexible and permanent. Tax-deferred benefits, living benefits and protection against the unexpected are all included.
Term Life Insurance
Term Life Insurance
 
Provides affordable protection, often covering 10-30 years, that provides both long-term clarity and security.
Final Expense
Final Expense
 
Provides your family peace of mind knowing that funeral or memorial, cremation and burial service expenses will be covered.
Disability Insurance
Disability Insurance
 
Protects your income in the event of disability. If you or your spouse were injured, and unable to work, what would be your game plan?
Critical Illness Insurance
Critical Illness Insurance
 
Protects the funds needed to support you or your loved ones in the event of prolonged illnesses.
Retirement Insurance
Retirement Insurance
 
Enables you to enjoy the retirement you deserve with a range of financial solutions including annuities and IUL's.
SmartStart Insurance
SmartStart Insurance
 
Creates a foundation of long-term financial security that can create your family's legacy and fund your children's education.

FAQ's

 
Our most frequently asked questions

FAQs

 
Our most frequently asked questions

Mortgage Protection Basics

How does mortgage protection insurance work?
Once you qualify, you pay premiums based on your amount of coverage. If you die while the policy is in force, the insurance company provides funds to pay off your mortgage.
 
Why do I need mortgage protection insurance?
Mortgage protection provides funds to cover an outstanding mortgage balance in the event of your death.
 
What are the advantages of mortgage protection insurance?
The main benefit is to protect your family in the event you die with an outstanding mortgage balance. This coverage is also easy to purchase, no physical exam is typically required, and rates are generally affordable. Certain policies also offer a return of premium feature, so if you don't use the benefit, you get your money back.
 
Can I afford mortgage protection insurance?
Yes! Since so many companies offer this coverage, pricing is competitive and therefore affordable.
 
Do I qualify for mortgage protection insurance?
Most plans are offered with simplified underwriting, so you don't always have to pass a medical exam to qualify. If you have a pre-existing condition, this can be a less competitive option to qualify for.
 
When should I buy mortgage protection insurance?
If you plan to purchase a home, or you're already paying a mortgage, you should have this insurance to ensure you're protected if the unexpected happens.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

Universal Life Basics

How does universal life insurance work?
Once you apply for coverage and pay your premium, your policy is in force, and you will be covered if you continue to make payments. This is a permanent plan with features like a death benefit and a cash value savings component that can be used to supplement income and pay expenses.
 
Why do I need universal life insurance?
In the event you die unexpectedly, this policy provides funding for your loved ones to cover any expenses you left behind.
 
What are the advantages of universal life insurance?
This policy is affordable with tax-advantaged savings and loan and withdrawal features. It also offers premium payment flexibility, so your premium payments and death benefits can be adjusted at certain points.
 
Can I afford universal life insurance?
Premiums are less expensive than a whole life policy, and universal life offers flexible premiums that can offset payments if you needed to halt payments temporarily.
 
Do I qualify for universal life insurance?
When you apply, you'll need to answer questions about your health, occupation and lifestyle. Some universal life policies have limited underwriting, meaning you may not need to complete a physical exam.
 
When should I buy universal life insurance?
Sooner rather than later! The younger you are when you buy universal life insurance, the lower your premiums will be.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

Term Life Basics

How does term life insurance work?
Like other types of life insurance, you apply for coverage, then the policy is in force when you begin paying premiums. If you die during the policy term, your beneficiaries receive a benefit.
 
Why do I need term life insurance?
Term life insurance provides a cash death benefit that can be used to pay off your expenses if you were to die unexpectedly.
 
What are the advantages of term life insurance?
Term life insurance is generally affordable, and, in some cases, you can convert your policy to permanent life insurance if you choose. Some term life policies may include a return of premium option, so if you don't use the benefit, you get your money back.
 
Can I afford term life insurance?
Yes! Term life insurance is generally the least expensive type of life insurance.
 
Do I qualify for term life insurance?
Most healthy people will qualify. You may still qualify if you have pre-existing health problems, though your premium might be higher. Some policies are simplified issue, meaning you shouldn't need a medical exam to qualify.
 
When should I buy term life insurance?
Rates are based on your age and health at the time you apply for coverage, so the sooner you apply, the better your chance at locking in a low premium.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

Final Expense Basics

How does final expense insurance work?
Once you qualify, you can purchase final expense at face value, then pay premiums periodically to keep the policy in force. If you die while the policy is active, your beneficiary will receive the death benefit.
 
Why do I need final expense insurance?
If you don't have extra funds set aside for final expenses, this policy can help your family members pay any debt you leave behind when you pass away.
 
What are the advantages of final expense insurance?
Final expense stays in force if you make payments, and your premiums stay the same for the rest of your life since it is a permanent life insurance plan.
 
Can I afford final expense insurance?
Since we have access to insurance products offered by dozens of insurance carriers, we can help you find a final expense policy with premiums that can fit into your needs and available budget.
 
Do I qualify for final expense insurance?
Since many carriers offer simplified to guaranteed issue, you may not need to undergo a physical exam to qualify.
 
When should I buy final expense insurance?
Since none of us can predict when we will need final expense insurance, the best time to get coverage is now.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

Disability Basics

How does disability insurance work?
Disability insurance can be purchased as a stand-alone policy or as an add-on to your life insurance. If you were to become disabled, your monthly disability income payments can help you continue paying your bills.
 
Why do I need disability insurance?
Without disability insurance, your family could be at significant risk if you were to become disabled and couldn't contribute to household bills.
 
What are the advantages of disability insurance?
If you become disabled, this policy helps your family continue paying the mortgage, so you don't lose your home. This policy also helps avoid the delays and difficulties that might arise when you rely strictly on Social Security Disability.
 
Can I afford disability insurance?
Yes! This policy is surprisingly affordable. You can tailor your policy to the amount of coverage, the elimination period and the length of time payments would continue after a disability.
 
Do I qualify for disability insurance?
Coverage is based on your health and lifestyle as well as your occupation and income. Normally there is no requirement for a physical exam.
 
When should I buy disability insurance?
Since none of us can predict when we will need disability insurance, the best time to get coverage is now.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

Critical Illness Basics

How does critical illness insurance work?
If you are diagnosed with a covered condition when the policy is in force, the insurance company will pay you the face amount of the policy, typically in a tax-free lump sum payment.
 
Why do I need critical illness insurance?
A critical illness diagnosis can affect anyone. Having critical illness insurance helps alleviate the financial strain of medical bills, mortgage payments and other expenses so you can focus on getting better.
 
What are the advantages of critical illness insurance?
The main advantage is peace of mind, knowing you will be financially protected in the event you become seriously ill. The benefit is paid directly to you rather than a hospital or other facility, so you can choose how the money is spent, which can help you budget for treatment costs, household bills, etc.
 
Can I afford critical illness insurance?
Yes! Since we have access to insurance products offered by dozens of insurance carriers, this policy can be customized to fit your needs and budget.
 
Do I qualify for critical illness insurance?
In general, most healthy people qualify. Some policies offer simplified underwriting, so you won't need a medical exam. Policies offering larger lump sum benefits may require a medical exam.
 
When should I buy critical illness insurance?
Since none of us can predict when we will need critical illness insurance, the best time to get coverage is now.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

SmartStart Basics

How does SmartStart insurance work?
Some of your premium payments cover life insurance costs, while the balance becomes part of the policy's cash value, which accumulates and grows tax-free.
 
Why do I need SmartStart insurance?
SmartStart is life insurance that allows a cash value to build inside the policy. Your child can later access this fund to cover college expenses, a down payment on a home, and more.
 
What are the advantages of SmartStart insurance?
The cash value of the policy accumulates tax-free and its growth is indexed to several indexes with no exposure to market loss. The life insurance component covers your child's life and protects their future insurability if he or she were to develop a condition later in life that would make it harder to qualify.
 
Can I afford SmartStart insurance?
Yes! For a healthy child, premiums are surprisingly affordable.
 
Do I qualify for SmartStart insurance?
Qualification is based on your child's health and age at the time you apply for coverage on their behalf. Generally, most children qualify for a SmartStart plan.
 
When should I buy SmartStart insurance?
The best time to buy the SmartStart program is now. Starting sooner means the funds in the cash value component have even more time to accumulate and grow.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

Retirement Protection Basics

How does retirement protection work?
Indexed Universal Life (IUL) policies and annuities are two retirement protection options that offer life insurance and savings potential. These products can help supply the income you need during retirement.
 
Why do I need retirement protection?
If you choose a retirement savings plan early on, you will be able to grow this policy and have the income you need during retirement to live the lifestyle you want.
 
What are the advantages of retirement protection?
Annuities and IUL's come with guarantees that can support those concerned about not having enough retirement income from other sources. With retirement protection your principal balance is always protected - not exposed to market loss.
 
Can I afford retirement protection?
There are some fees and expenses involved with retirement planning, but we are here to help you navigate your options and make an informed decision.
 
Do I qualify for retirement protection?
Most annuities require no underwriting, so nearly everyone qualifies. Since an IUL has a life insurance component, you might need to meet the insurance company's underwriting criteria in order to qualify.
 
When should I buy retirement protection?
Now is the best time to purchase! Most people purchase an annuity before retirement. The cost of coverage for an IUL policy is based on your age and health when you apply, so it's more affordable to apply for coverage early in life.
 
 
Have more questions?
We are happy to answer any questions you might have. Get in touch with us.

What Our Customers Say

 

Read what our customers are saying about Symmetry Financial Group and our agents.

Extremely Knowledgeable

“The agent was extremely knowledgeable and helpful. He was able to get me coverage at an affordable price.”

Easy & Affordable

“It was easy, affordable and understandable. I love that I know my family will have additional coverage.”

Caring & Concerned

“My Agent did a great job explaining my options and finding the best plan for me. He was also very caring and concerned for my family’s well-being. Would definitely recommend Symmetry!”

About Us

 

We are fully committed to protecting your life’s journey and will be here for you through all of life’s ups and downs.

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Working With Symmetry

 

Looking for a rewarding career with unlimited opportunity? Become an agent with Symmetry Financial Group today.

Growth
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  • Proven sales process and proprietary CRM system
Support
  • Weekly training calls and webinars
  • SymmetryU online training platform
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Opportunity
  • Build your own agency with true contractual ownership
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