What we cover
Insurance for Every Stage of Life
We operate an intelligent, market-based platform that matches you with the best broker or agent to help you enroll in or understand your benefits — so you always get the right guidance, not just a policy.
Did you know?
Most drivers are underinsured. We review your current policy to identify gaps before they cost you.
Drive with confidence, whatever the road brings.
Auto Insurance
Whether you're insuring a single vehicle or a fleet, we compare rates across 30+ top carriers to find coverage that fits your situation and budget. We handle personal auto, commercial vehicles, and everything in between.
- Liability coverage
- Collision & comprehensive
- Uninsured/underinsured motorist
- Medical payments (MedPay)
- Roadside assistance & rental reimbursement
- Commercial auto & fleet coverage
Did you know?
Standard home policies don't cover floods. We'll make sure you know exactly what's included — and what isn't.
Protect what matters most — your home and everything in it.
Home Insurance
Your home is likely your largest asset. We build policies that cover your structure, personal belongings, and liability — and we make sure you're not paying for coverage you don't need or missing coverage you do.
- Dwelling & structural coverage
- Personal property protection
- Liability & medical payments
- Loss of use / additional living expenses
- Flood & earthquake riders
- Renters insurance
Did you know?
A healthy 35-year-old can get $500,000 in term life coverage for less than $30/month. We'll show you the numbers.
Protect the people who depend on you.
Life Insurance
Life insurance isn't just for the elderly or the wealthy. We help individuals and families understand their options — term, whole, and universal life — and find a policy that fits their income, goals, and stage of life.
- Term life insurance
- Whole life insurance
- Universal life insurance
- Final expense coverage
- Disability income protection
- Key person insurance for businesses
Did you know?
Over 40% of small businesses never reopen after a major loss. The right coverage changes that outcome.
Keep your operation running, no matter what happens.
Business Insurance
From a sole proprietor to a mid-size company, every business faces risk. We assess your specific exposures and build a coverage package that protects your assets, employees, and reputation — without over-insuring.
- General liability insurance
- Commercial property coverage
- Workers' compensation
- Professional liability (E&O)
- Business owner's policy (BOP)
- Cyber liability & data breach
Did you know?
Nearly 1 in 3 Americans are on Medicare or Medicaid. Choosing the wrong plan can cost thousands per year — we make sure you choose right.
Coverage for every stage of life and every size of group.
Health Insurance
From individual ACA marketplace plans to full group health packages for employers, KIV navigates the complexity so you don't have to. We specialize in Medicare, Medicare Supplement, Medicare Advantage, and ACA plans — matching individuals and businesses to the right coverage at the right cost.
- Group health insurance for employers
- ACA marketplace individual & family plans
- Medicare (Parts A & B)
- Medicare Supplement (Medigap) plans
- Medicare Advantage (Part C) plans
- Short-term & gap health coverage
Did you know?
Most insurance clients have no formal financial plan. KIV bridges that gap — protecting income today and building wealth for tomorrow.
Lock down your financial future — and your clients' too.
Financial Services
KIV extends wealth management and financial planning services to our clients and their customers. Whether you're building retirement income, managing investments, or planning an estate, we connect you with the resources to secure what you've worked for.
- Retirement income planning
- Investment portfolio management (LPL Financial)
- Estate planning & wealth transfer
- Annuities & fixed-income products
- Business succession planning
- Agent & carrier financial services referrals
Did you know?
High-value and specialty risks need surplus lines access. KIV has the relationships to place coverage others can't.
Large-scale risk demands large-scale coverage connections.
Commercial Lines & Surplus Lines
KIV has the carrier relationships and surplus lines access to cover complex commercial risks that standard markets won't touch. From E&O and EPLI to commercial auto, property, and high-value specialty assets — aircraft, yachts, large operations — we build coverage programs for businesses that can't afford gaps.
- Errors & Omissions (E&O) insurance
- Employment Practices Liability (EPLI)
- Commercial general liability
- Commercial auto & fleet
- Commercial property & inland marine
- Surplus lines: aircraft, yacht, large operations
Not sure how much life insurance you need?
Our free calculator uses your income, debts, and family situation to give you a personalized coverage recommendation in under two minutes — no obligation required.
5-step guided form
Answer a few quick questions about your income, family, and finances.
Two coverage tiers
Get an optimal and a budget recommendation side by side.
Premium estimates
See estimated monthly costs for non-smokers before you talk to anyone.
Free quote follow-up
Submit your results and a KIV advisor will send exact carrier quotes.
How We Work
A smarter way to find the right coverage — matched to you, not the market.
Tell Us What You Need
Share your coverage goals, budget, and situation. Our platform analyzes your profile to understand exactly what you're looking for.
Get Matched to the Right Expert
Our intelligent marketplace connects you with the broker or agent best suited to your specific needs — not just whoever is available.
Enroll with Confidence
Your matched expert guides you through enrollment or helps you fully understand your benefits — so you make the right decision.
Ready to Find Your Best Coverage?
Let our platform match you with the right expert. No pressure, no guesswork — just the right guidance for your situation.