Kivulink
Built on advocacy.
Request a quoteAn independent Houston agency that educates before it sells, fixes what others broke, and enrolls you in the language you think in. Our commission comes from the carrier, so nothing about the advice depends on which policy you choose.
A guide first. An agent second.
- 01
We educate before we sell
Nobody signs a policy they do not fully understand. Every line, every term, every scenario, explained before you commit. Ask us to go through the same page three times and we will.
- 02
The carrier pays us, so we can say switch or stay
We are not tied to one carrier. We shop the network we are appointed to and recommend what fits your situation. Our commission is paid by the carrier and does not change based on which one you pick.
- 03
We correct bad policies
We audit existing coverage at no charge, including policies bought somewhere else, and we have restructured badly built ones that were quietly costing families hundreds a month. Sometimes the honest answer is that your current policy is fine, and we say that too.
- 04
Built around your schedule
Remote document collection, virtual appointments and multilingual support. One family of nine completed a full year of paperwork without anyone taking a day off work, and came in only to sign.
Licences, credentials and the limits of what we do.
Insurance, tax and immigration paperwork all carry real consequences when they go wrong, so here is exactly what we hold and exactly where it stops.
| What we hold | Detail |
|---|---|
| Insurance producer licence | National Producer Number 22182172. Texas resident licence, plus non-resident licences in Tennessee, Arizona, Colorado, Indiana, Kentucky, Maine, Michigan, Ohio and Wisconsin. |
| Continuing education | Texas CE, general and ethics, current through April 2027. |
| Medicare | AHIP certification, renewed annually, which is what a carrier requires before it will let anyone discuss a Medicare plan with you. |
| Marketplace / ACA | CMS registration for the Federally-facilitated Marketplace. This is the registration that permits an agent to enroll you in a subsidised plan. |
| Tax preparation | IRS Preparer Tax Identification Number on file. We sign the returns we prepare. |
| Notary | Texas Secretary of State commission. Remote and in person. |
| Our own insurance | Agency errors and omissions cover at entity level, producer E&O, general liability, business personal property, cyber liability and a surety bond. |
| What we do not carry | No workers' compensation, because we have no employees, and no commercial auto: personal auto with a business-use endorsement instead. An agency that lists its policies and hides the gaps is doing the thing this page argues against. |
Check the licence yourself at the Texas Department of Insurance, or look up the National Producer Number on the NIPR national register. You do not need our permission and you should not need our word for it.
Four things we are not.
We are not attorneys. Kivulink provides immigration form preparation only.
We do not give legal advice, we do not represent anyone before USCIS or a court, and when a matter needs a lawyer we say so and refer it to a licensed immigration attorney. A complicated case is exactly the wrong place to save money on the wrong professional.
We are not a carrier. We do not underwrite anything, we do not decide claims, and we cannot promise you a rate.
Every premium, approval and denial is the carrier's, made after underwriting. What we control is which carriers see your file and whether the file is any good when they do.
We are not licensed everywhere. Ten states, listed above, and appointments differ by state and by line inside them. If you are somewhere we cannot write, we will tell you in the first conversation rather than the fourth.
We are not connected to the government. Kivulink is an independent agency and is not affiliated with or endorsed by any government agency, the federal Marketplace or the Medicare program.
If a website or a caller implies otherwise about themselves, that is worth treating as a warning sign.
Who is on the books.
Most of the book is health coverage, weighted towards Community Health Choice, Blue Cross Blue Shield of Texas and Ambetter, which is what the market looks like for working families in Harris County rather than what looks impressive in a brochure. The property and casualty side is smaller and leans commercial: general liability, non-standard auto and professional liability.
Two licensed producers, one principal and one agent. That is small, and it is the reason the person who takes your first call is the person who still has your file two years later.
The work reaches beyond policies, because the households do. A child born in Rwanda who qualified for a consular report of birth abroad and a US passport, filed the same day. A mother of three who lost Medicaid over a part-time job and was insured again within the week. An indexed life policy at $500 a month that was accruing no cash value at all for five years, read line by line with its owner and rebuilt. None of those are insurance sales in the ordinary sense. They are why people send their relatives.
“Going forward, I will only come to you for all services that you provide.”
Eight languages, spoken by the advisor you are talking to.
Not routed through an interpreter line, and not a translation widget on a website.
- English
- Kinyarwanda
- Kiswahili
- Français
- Kirundi
- Español
- Dari
- Pashto
If your language is not on that list you are welcome to bring an interpreter, and we will take the time it needs.
Kivulink LLC trades as Kivulink Insurance Services and the office is at 2323 S. Voss Rd, Suite 648, Houston TX 77057. Most business is done remotely, and walking in is fine if you call ahead.
Written and reviewed by Innocent Muvunyi, Licensed Insurance Agent.
NPN 22182172. AHIP certified, CMS FFM registered.
Last reviewed .
Check this licence with the Texas Department of Insurance.