Kinnaman Insurance

Robert Kinnaman Insurance Benefits is a completely independent insurance agency specializing in Health Insurance, Life Insurance, Medicare, Dental Insurance, Property & Casualty and much more.
We work with the top insurance companies so we can offer our clients the best coverage for them.
Our clients are located all across the Kentucky and Indiana, giving us a great feel for the insurance landscape.
We design plans with a focus on low costs, and tax-efficiency, which we combine with personalized insurance advice aimed at helping clients make better informed decisions.

We can provide you with a wide array of products and services from a variety of respected insurance and benefits providers.
We obtain and evaluate proposals from all available carriers.
We can introduce and educate you or your family on the benefits.
We offer a complete line of insurance products and services.
These products and services are designed to provide solutions to your personal and business financial needs.

Life insurance may be one of the most important purchases you'll ever make.
In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!
Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs.

Critical Illness Insurance is an insurance product, where the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the critical illnesses listed in the insurance policy.
The schedule of insured illnesses varies between insurance companies.
Critical illness may be purchased by individuals in conjunction with a life insurance or term assurance policy at the time of a residential purchase, known as a 'bolt-on' benefit.
This insurance can provide financial protection to the policyholder or their dependents on the repayment of a mortgage due to the policyholder contracting a critical illness condition or on the death of the policyholder.

Before choosing a plan we want to be sure you know the difference between your many options; In particular how Medicare Supplements and Medicare Advantage Plans differ.
Many people sign up for Advantage Plans thinking they are Supplements, they are not.
A Medicare Supplement is used with original Medicare.
Any caregiver that accepts Medicare will take a Supplement because they only need to bill Medicare.
Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%).