Kivulink
Side by sideYour carriers quoted against each other¹
Two insurers can price the same driver very differently, so we ask several. SR-22 filings and new drivers welcome. If your current rate wins, we tell you to keep it.
Compare my auto rateInsurance advisors who put you first.
Same day, in your language. One profile, quoted across 50+ markets by a licensed advisor who works in Houston.
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We quote the whole market.
We're independent: appointed by the carriers, working for you. One application gets you quotes compared against each other, by someone who holds the licence and stays on your file.
Subsidy checkFind what your household qualifies for²
The 2026 rules changed, and most Marketplace enrollees still qualify for help with their premium³. How much depends on your income, household size, age and county. A further change for 2027 narrows who qualifies by immigration status, which matters to a lot of families here.
- Doctors and prescriptions verified in-network
- Enrollment help in eight languages
- Lost Medicaid? You have 60 days, and the clock has already started
Cover for whoever is leftTerm, whole life, IUL and final expense⁴
Four different products for four different jobs. Term replaces income for a set stretch of years and is the cheapest of them. People consistently guess it costs far more than it does⁵. Permanent cover lasts whenever you die, and final expense pays for a funeral. Every rate is set by the carrier after underwriting.
- Every term explained before you sign
- Free review of policies you already have
- Simplified approval on final expense, often with no medical exam
Nothing here is a quote or a promise of savings. 1 Premiums for comparable coverage vary between insurers, and no one of them is guaranteed to beat what you pay now. 2 Premium help is determined by the Marketplace, and it reduces the monthly premium only: deductibles and copays still apply. 3 KFF, 2026 Marketplace enrollment. 4 Term life is priced by the carrier after underwriting and rises with age. 5 LIMRA Insurance Barometer. Full terms are in the footer.
Kivulink by the numbers
- $0 What our advice costs you — the carrier pays our commission
- 10 States we hold a licence in
- 37+ Carriers competing for your policy
- 100% Commitment to client satisfaction and support
Every carrier listed in full.
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
ACA SUBSIDIES · 2026 PLAN YEAR
The limit on paying back your ACA subsidy is gone.
If you take an ACA subsidy (an advance premium tax credit) and your income ends up higher than you estimated, the Marketplace may have paid more toward your premium than you qualified for. Until 2025, what you owed back was capped. From the 2026 plan year it is not: the whole difference is added to the tax return you file in early 2027. This applies to Marketplace plans only, not to Medicare or to coverage from an employer.
Estimate what you could owe
2025 tax year
$3,250
The most a family under four times the poverty line could be asked to repay.
2026 tax year
No limit
The full difference, at every income.
2025 limits ran from $750 to $3,250 for households filing other than single, and $375 to $1,625 for single filers. The limit was removed for the 2026 plan year by H.R. 1 (2025). This is an estimate, not tax advice: the final amount is worked out on Form 8962.
WHY GO THROUGH US
Ask one company, get one price.
We work with these companies and others. Your details go to several of them, and you see what each one comes back with before you commit to anything. The carrier pays our commission, so the comparison adds nothing to your cost.
Property & casualty
Auto, home, renters, flood and commercial, including trucking, general liability and E&O. One set of details, shopped across the carriers appointed for your line.
Life, health, Medicare & supplemental
ACA and Marketplace, Medicare Advantage, Supplement and Part D, term and permanent life, dental, vision and accident. Same approach, carrier by carrier.
Appointments vary by state and by line, and not every carrier writes every product everywhere. We will tell you which of them can quote your situation before you fill anything in. See the carriers we place business with.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE (1-800-633-4227), 24 hours a day / 7 days a week, to get information on all of your options. Kivulink Insurance Services is not affiliated with or endorsed by any government agency or the federal Medicare program.
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.
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No SSN? File with an ITIN
We apply for your ITIN and file: 1099, self-employed, and ACA reconciliation.
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Free Medicare plan review
Plans change every year, and a quick review keeps yours the right one.
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Bundle home + auto
One carrier for both usually earns a multi-policy discount. We run it bundled and separate so you can compare.
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Schedule a meeting
Pick a time that works: phone, WhatsApp, or in person in Houston.
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What changed for 2026 coverage
Subsidies shrank, income limits returned, and refugees and asylees lose premium help with 2027 plans. Written by our licensed founder.
Read the update
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Know someone who needs honest coverage help? Send them our way.
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