Independent Insurance Consultants
Coverage You Can Count On
KIV Insurance Consultants helps individuals, families, and businesses get the right coverage — without the confusion. Auto, home, life, and business insurance, all in one place.
Trusted by 2,000+ clients across 4 lines of coverage
What Agents, Customer Referrals, and Insurance Companies Come to Us For
We are not an FMO. As an IMO, we simply get you there — and here is how.
We Don't Compete With You — We Compete With Your Competition
KIV rates your line of insurance, retention, and production — then places you with an IMO contract in your line of business, or gives you a much easier path to get there. We are an FMO, yet we only place you in the best position: the right contract, bonuses, and more. We require a prepayment based on company size — and it is 100% refundable if we do not get you higher commission levels. In many cases, we can do this immediately.
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Customer Referrals
Referral partners trust KIV to take care of the people they send our way. We treat every referred client with the same honesty and care we'd give our own family — and we make the referring partner look great every time.
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Insurance Companies
Carriers partner with KIV because we bring them quality, well-matched business. We understand underwriting, we know our clients, and we place policies that stick — building long-term relationships that benefit everyone.
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Individuals & Businesses
Everyday clients come to KIV because they want straight answers and real options — not a sales pitch. We shop the market on their behalf, explain the differences clearly, and stand behind every policy we place.
Learn moreWhy clients choose KIV
of independent insurance consulting
Independent advisors — we work for you, not the carriers
Access to 30+ top-rated insurance companies
Over 5,000 policies placed for individuals and businesses
Claims support from start to finish, not just at sign-up
Coverage
Health & Benefits Coverage
From individual marketplace plans to full employee benefit packages, KIV helps you navigate every option — and find the right fit.
ACA / Marketplace Health Insurance
We help individuals and families find the right Affordable Care Act plan through the Health Insurance Marketplace — comparing premiums, deductibles, and network options so you get the coverage that actually fits your budget and your doctors.
Get a quotePrivate Health Insurance
For those who want more flexibility than marketplace plans offer, we source private health insurance options from top-rated carriers — including short-term plans, indemnity plans, and comprehensive individual coverage outside the ACA exchange.
Get a quoteEmployee Cafeteria / Section 125 Benefits
Help your employees pay for health premiums, FSAs, and dependent care with pre-tax dollars. KIV designs and administers Section 125 cafeteria plans that reduce payroll taxes for employers and increase take-home pay for employees.
Get a quoteMedicare Advantage
Turning 65 or helping a parent navigate Medicare? We specialize in Medicare Advantage plans — comparing Part C options, prescription drug coverage, and supplemental benefits across all available carriers in your area to find the best value.
Get a quoteWhat our clients say
"KIV found me a better auto policy at $40 less per month than what I had. The process took one phone call. I wish I'd called sooner."
Marcus T.
Auto & Home Insurance
"As a small business owner, I didn't know what coverage I actually needed. KIV walked me through everything clearly and got us properly covered without overpaying."
Sandra L.
Business Insurance
"When we had a claim, KIV was on the phone with the carrier on our behalf. That kind of support is exactly why we've stayed with them for eight years."
David & Priya R.
Home & Life Insurance
Ready to get covered?
Tell us a little about what you need. We'll review your situation and come back with clear options — no pressure, no jargon.