Licensed Life Insurance Professional
Mahbanoo (May) Kohnouri
Hi, I'm May — I help families protect what matters most with personalized life insurance, retirement, and wealth protection strategies. Free consultations, plain-English advice, and options from America's top-rated carriers.
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- Years guiding families
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- A-rated carrier partners
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- States licensed (CA & TX)
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- Response time or better
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Insurance & retirement products
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Term Life Insurance
Maximum coverage, minimum cost
Term life insurance is the simplest and most affordable way to get serious coverage. You choose a term — typically 10, 20, or 30 years — and if you pass away during that period, your beneficiaries receive the full death benefit, income-tax-free. It's ideal for covering the years your family depends on your income most: the mortgage, the kids, the career-building years.
- Most affordable way to get high coverage
- Tax-free death benefit for your beneficiaries
- Covers your peak earning & family years
- Many policies convert to permanent coverage later
Your agent
Meet Mahbanoo (May) Kohnouri
With over 8 years of experience helping families and individuals navigate life's most important financial decisions, May is committed to personalized guidance that puts your goals first.
Her mission is simple: empower you with clear, honest advice and strategies that protect your family's future while helping you build lasting wealth. Every client receives individualized attention and a tailored plan designed for their unique situation.
- Personalized guidance — never one-size-fits-all
- Clear, plain-English advice with no jargon
- Options compared across 10 A-rated carriers
- Long-term support, every step of the way
Partnered with industry leaders
Your options are compared across 10 of America's most trusted, A-rated insurance carriers
How it works
From first hello to fully covered — a clear & simple process
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Reach out
Send the quote form or call — it takes two minutes. Free, confidential, zero obligation.
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Talk it through
May listens to your goals, family situation, and budget — then explains your options in plain English.
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Compare real options
She shops 10 A-rated carriers on your behalf and brings back the strongest fits, side by side.
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Protected for life
Pick your plan, and May handles the paperwork — then stays your advocate for reviews and claims.
Frequently asked questions
Straight answers to the questions families ask most
Nothing — consultations are always free and no-obligation. May is compensated by the insurance carriers if you choose to move forward with a policy, so you never pay for her guidance.
May is currently licensed in California and Texas (License #0M26340). If you're in another state, reach out anyway — she can point you in the right direction.
A common starting point is 10–12 times your annual income, adjusted for your mortgage, debts, future education costs, and existing savings. In your free consultation, May runs your actual numbers so you get a precise answer instead of a rule of thumb.
Often, no. Many carriers offer accelerated underwriting with no exam for qualified applicants, and final expense policies never require one. May can steer you toward no-exam options when speed and convenience matter.
An independent agent shops multiple carriers for you — the same policy can vary in price significantly between companies. You get side-by-side options, honest guidance on the fine print, and an advocate at claim time, all at no extra cost to you.
Some policies (like final expense and accelerated-underwriting term) can be approved in days — sometimes same-day. Fully underwritten policies typically take 2–6 weeks. May will set clear expectations up front based on the product you choose.
Free · No obligation · Confidential
Request your free quote
Fill out the form below and May will personally reach out within 24 hours with options tailored to you.
Empower Life Guide · Free quotes for term life, whole life, indexed universal life, final expense, annuities, 401(k) rollovers, health insurance & group health insurance in California and Texas.