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Let Our Family Help Yours.

Your Local Health, Medicare and Life Insurance Resource

A Family-Owned Agency That Puts People First

As an independent brokerage, we are not tied to one carrier. This gives you freedom. It gives you options And it ensures that the plan you choose is based on your needs, your doctors, your medications, and your budget.

Medicare Health Plans

Comprehensive support for Medicare Supplements, Medicare Advantage, and Prescription Drug Plans. We compare benefits, medications, and providers so you can choose coverage that fits your health and your budget.

Health Insurance Under 65

Coverage options for individuals and families under 65, including HMO, PPO, and short-term plans. We help you find reliable insurance that fits your healthcare needs.

Small Group Insurance

Affordable and flexible group health plans for small businesses. We assist employers in choosing benefits that support their teams while staying aligned with budget and company goals.

Life Insurance and Annuities

Protection and planning options including term life, whole life, indexed universal life, and annuities. We help you secure coverage that supports your long-term financial peace of mind.

Supplemental Plans

Additional coverage such as dental, vision, hearing, accident, and critical illness. These plans help fill important gaps and provide extra protection when unexpected needs arise.

Individual Health Insurance

​Our agency offers a variety of health insurance options, including HMO, PPO, and short-term plans.

HMO plans provide comprehensive coverage with a focus on preventive care and lower out-of-pocket costs.

PPO plans offer more flexibility in choosing healthcare providers but typically come with higher premiums and will require underwriting when purchasing outside of a group policy.

Short-term plans are ideal for individuals needing temporary coverage during transitions or gaps in insurance. Each option caters to different needs, ensuring clients can find the right fit for their healthcare requirements.

Medicare Health Insurance

Our agency provides a range of Medicare health insurance options, including Medicare supplements, Medicare Advantage health plans, and prescription drug plans.

We also offer annual reviews to ensure our clients' coverage continues to meet their needs.

These services aim to provide comprehensive healthcare solutions tailored to each individual's medication needs, preferred providers, and budget.

Supplemental/Ancillary Insurance

Individual supplemental plans, such as dental, vision, accident, and critical illness plans, can be vital in filling the gaps in healthcare coverage.

Dental and vision plans help address specific needs often not covered by standard health insurance, ensuring comprehensive care.

Accident and critical illness plans provide additional financial support during unexpected medical emergencies, offering peace of mind and enhanced protection for individuals.

These supplemental plans play a crucial role in ensuring well-rounded healthcare coverage for individuals.

Life & Retirement

Our agency offers a diverse range of life insurance options such as term life, whole life, index universal life, and annuities.

This variety allows clients to choose a policy that best suits their unique needs and financial goals.

Whether someone is looking for temporary coverage, long-term protection, or investment opportunities, our agency can help them find the right fit.

Educational Events

Our agency is dedicated to keeping the community informed about yearly Medicare changes.

We host educational events at local restaurants and also provide one-on-one educational sessions in person, or virtually.

We also have been guest speakers a local high schools, educating our graduating seniors on how to obtain health insurance and the importance of preventative care.

These initiatives ensure that people stay updated and empowered to make informed decisions about their healthcare coverage.

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Helping people make informed choices at every age

We believe people make better decisions when they understand their options. That is why we stay active and involved in the community.

Helping people feel informed, confident, and supported is at the heart of everything we do.

Proud Affiliate

We are proud to be an affiliate of Senior Health Services while remaining a fully independent, family-owned agency serving our community with heart.

What can we help you with?

Have questions about Medicare or insurance options? We are here to listen, explain, and guide you with care and honesty.

Clear explanations without confusion
Options from multiple insurance companies
Annual reviews to keep your coverage updated
Help during every life change
A team that remembers your story

Let Our Family Help Yours

By completing this form you agree that a licensed insurance agent from the Kral Insurance Group LLC may contact you by phone or email to answer your questions or provide additional information about Health Insurance, Life Insurance, Medicare Health plans, Medicare Supplement plans or prescription drug plans. This is a solicitation for insurance.

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