Life & Health

Many people have insurance needs that extend beyond the typical auto and homeowners protection that most companies offer. KNI Insurance works with individuals and families just like you to offer a selection of products to keep all facets of your life protected. For this reason, KNI offers options for Life and Health insurance to its clients.

Life Insurance
In the event of your passing, life insurance provides money directly to your beneficiaries. They can use the money for many things including:

    • Making up for lost income
    • Funding childrens’ education
    • Paying off household debt
  • Paying for your funeral and other related expenses

There are two basic types of life insurance: term and permanent. Term insurance is purely life insurance while permanent (cash value or whole life) policies include a savings element. There are many variants of permanent life insurance, but they all combine an investment product with pure term insurance and build cash value. Your KNI Insurance agent can assist you in deciding which type of Life Insurance is best for you.

Health Insurance 
There are many health insurance options available for individuals. Whether you are self-employed, you opt not to participate in the group plan offered by your employer, or are in between jobs and need short-term medical coverage KNI has the answer for you.

KNI has access to many of the major health insurance companies that offer quality health insurance products for individuals and families. Below is a list of health insurance options available to you:

    • Short-term medical
    • Hospital / Co-pay plans
    • Major medical – HSA plans
    • Accident policies
  • ACA Plans – We are able to help you buy a plan on the Marketplace

Many are under the misconception that individual health insurance is not affordable.  KNI’s agents have the ability to “shop” the market for you and find the best product that fits your needs. Plans can be designed to meet not only your health needs, but your budget as well.