About us
Independent Advisors. Real Expertise.
KIV Insurance Consultants has been helping individuals, families, and businesses navigate insurance for over 20 years. We're not tied to any carrier — which means our only job is finding the right coverage for you.
Years in business
Clients served
Carrier partners
Policies placed
Our story
KIV was founded on a simple frustration: too many people were paying for the wrong coverage — or no coverage at all — because the insurance industry made it unnecessarily complicated.
We built KIV to be different. As independent consultants, we're not incentivized to push any particular carrier or product. We assess your actual situation, compare your real options, and give you a straight answer.
Over two decades later, that approach has earned us more than 2,000 clients and a reputation built entirely on referrals.
How we work
Independent, always
We're not captive agents. We work for you, not for any insurance company. That independence is the foundation of every recommendation we make.
Straight talk
We explain your options in plain language. No jargon, no upselling, no pressure. You'll know exactly what you're buying and why.
Long-term relationships
We don't disappear after the policy is signed. We review your coverage annually, help with claims, and stay available when life changes.
Breadth of access
With access to 30+ top-rated carriers, we can find competitive options for almost any coverage need — personal or commercial.
The people behind KIV
Our consultants bring decades of combined experience across personal lines, commercial coverage, and financial planning.
Kevin I. Vance
Founder & Principal Consultant
Kevin founded KIV after 10 years as a carrier-side underwriter. He holds licenses in property, casualty, life, and health insurance across multiple states.
Maria Santos
Senior Consultant, Commercial Lines
Maria specializes in business insurance for small and mid-size companies. She has placed commercial coverage for clients in over 15 industries.
James Okafor
Consultant, Personal Lines
James focuses on auto, home, and life insurance for individuals and families. He's known for finding coverage gaps that other advisors miss.
Licensed, certified, and accountable
- Licensed in property & casualty insurance
- Licensed in life & health insurance
- Member, Independent Insurance Agents & Brokers of America
- A+ rated carrier partners only
- Annual continuing education — all consultants