Kivulink
INSTANT
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Hover / tap for detailsHealth (ACA)
- Marketplace plans, all metal tiers
- Subsidy check in minutes
- Enrollment help in your language
- ACA reconciliation at tax time too
POPULAR
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Hover / tap for detailsAuto
- Liability to full coverage
- SR-22 filings handled
- New drivers welcome
- Shopped across Root, GEICO, Progressive, Bristol West + more
INSTANT
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Hover / tap for detailsLife
- Term, whole & IUL
- Final expense plans
- Rates lock at your age today
- Every option explained before you sign
Hover / tap for detailsHome & Renters
- Homeowners & landlord policies
- Renters from a few dollars a month
- Flood options for Houston homes
- Bundle with auto and save 10–20%
Hover / tap for detailsMedicare
- Advantage & Supplement plans
- Part D drug plan checks
- Free review every enrollment season
- Carriers pay us — never you
Hover / tap for detailsCommercial
- BOP & general liability
- E&O and workers’ comp
- Trucking & commercial auto
- New specialty markets just opened
Hover / tap for detailsTax Preparation
- ITIN — we apply and file
- 1099 & self-employed returns
- ACA premium reconciliation
- Year-round support, not just April
Hover / tap for detailsNot sure?
- Tell us your situation once
- We point you to the right coverage
- In the language you think in
- No pressure, no jargon
OUR CARRIER NETWORK
Appointed directly and through specialty market platforms — 50+ markets across every line.
Our property and casualty markets include Progressive, GEICO, Root, Bristol West, Foremost, Great American, NEXT, Three by Berkshire Hathaway, Titan Flood, Bamboo, Annex Risk Solutions, ePremium, Kelly Klee, Lamar General Agency, LIO, Normandy, Pathpoint, and Semsee. Our health, Medicare, and life carriers include Aetna, Allstate Health Solutions, Ambetter, Ameritas, Blue Cross Blue Shield, BCBS Tennessee, Community Health Choice, Cigna, Devoted Health, Gerber Life, Humana, Imperial Insurance, KelseyCare Advantage, Molina, National Life Group, Mutual of Omaha, Oscar, UnitedHealthcare, and Wellpoint.
50+Carriers competing for your policy
10States licensed
5.0Google rating
$0You pay us — carriers do
One profile. Every carrier competes.
We're independent — appointed by the carriers, working for you. One application gets you quotes side by side, explained in plain language. And using an advisor costs you nothing extra: carriers pay us, never you.
$100s/yrWhat shopping between carriers routinely uncovers¹
Rates for the exact same driver can differ by hundreds of dollars a year from one carrier to the next. We quote our appointed carriers side by side — you keep the difference.
- We beat your rate — or tell you to keep it
- SR-22 filings and new drivers welcome
$0/moPremiums some households qualify for after subsidy²
2026 rules changed — but most Marketplace enrollees still qualify for premium help³. Eligibility depends on income and household size, and a two-minute check tells you where you stand.
- Doctors and prescriptions verified in-network
- Enrollment help in your language
<$1/dayEstimated — healthy 35, $250,000, 20-year term⁴
Most people overestimate the cost of term life three-fold or more⁵. Rates lock at the age you apply — waiting is the expensive part.
- Every term explained before you sign
- Free review of policies you already have
Coverage, rates, and savings vary by individual and are not guaranteed; nothing here is a quote or offer. Working with Kivulink adds no extra cost — carriers pay our commission. ¹ Premiums for comparable coverage commonly vary between insurers; quoting multiple carriers is how the differences are found. ² $0/month reflects the premium after applicable subsidy for households that qualify — not free coverage; deductibles and cost-sharing apply. ³ KFF analysis of 2026 Marketplace enrollment. ⁴ Estimated from published term life rates for healthy applicants; your rate depends on underwriting. ⁵ LIMRA Insurance Barometer. Your real numbers come from a licensed advisor in about two minutes.
Three steps to better coverage.
- 01
Tell us what you need
One short form or a phone call — two minutes, in your language.
- 02
We shop 50+ carriers
National brands and specialty markets compete for your policy — you don’t chase quotes.
- 03
Choose with confidence
Every option explained in plain language before you sign. No pressure, no jargon.
COVERAGE WATCH
Dates & changes that affect your coverage.
Enrollment windows, subsidy rules, and tax requirements keep moving. Our team tracks them so you don’t get caught out.
Educational only — rules vary by state and situation. Talk to a licensed advisor about your case.
DON’T MISS
ACA Open EnrollmentNov 1
Medicare Annual EnrollmentOct 15
Medicaid rule changeOct 1
RULE CHANGE
Subsidy amounts changed in 2026.
A quick re-check tells you exactly what you qualify for now — before renewal season surprises you.
Re-check my eligibility →
2026
Enhanced credits expired, income caps returned — a free 2-minute re-check tells you exactly where you stand.
Trusted by the families we serve.
★★★★★
“Innocent helped three of us get insured — professional, friendly, and explained everything clearly.”
★★★★★
“Going forward, I will only come to you for all services that you provide.”
Read all our Google reviews → · Received great service? Leave a Google review →
Useful right now.
Shortcuts our clients use most — for their families and their businesses.
Business & trucking markets open
New commercial auto and trucking capacity — ask before renewal season.
Get a commercial quote →No SSN? File with an ITIN
We apply for your ITIN and file — 1099, self-employed, and ACA reconciliation.
Start my taxes →Free Medicare plan review
Plans change every year — a quick review keeps yours the right one.
Book my review →Bundle home + auto
One carrier for both often saves 10–20% — we run the numbers for you.
Check my bundle →Schedule a meeting
Pick a time that works — phone, WhatsApp, or in person in Houston.
See open times →Refer a client
Know someone who needs honest coverage help? Send them our way.
Refer someone →