Carrier & GA Appointments

Partner With Kivulink

An independent insurance agency serving Houston's diverse immigrant and refugee communities — with the multilingual reach and community trust that standard agencies can't replicate.

NPN: 22182172 Licensed: TX · TN · AZ · IN · MI · CO E&O Insured Independent Agent Est. Houston, TX
📧 Request Appointment

About Kivulink Insurance Services

Kivulink serves Houston's African, Latino, and immigrant communities — a high-growth, underserved market that most agencies are not equipped to reach. We bring multilingual capacity, community trust, and a client-first approach that drives retention and referrals.

10+
Years in the community
8
Languages served
6
Licensed states
20+
Carrier relationships

Licensing

Currently licensed in 6 states, with additional state licenses planned. Primary market is Texas — Houston metropolitan area (Gulfton, Sharpstown, Westchase, Alief, Sugar Land, Missouri City, Stafford).

Texas (TX)
Primary market · Houston metro
🎸
Tennessee (TN)
Active
☀️
Arizona (AZ)
Active
🏎️
Indiana (IN)
Active
🚗
Michigan (MI)
Active
🌽
Colorado (CO)
Active

Existing Carrier Relationships

Current appointments and GA relationships across health, life, and P&C lines.

Health
UnitedHealthcare
Health
BCBS
Health
Aetna / CVS
Health
Cigna
Health
Humana
Health
Ambetter / Centene
Health
Oscar Health
Health
Molina Healthcare
Life
Ethos Life
Life
Mutual of Omaha
Life
Gerber Life
Supplemental
Allstate / National General
P&C — via GA
Bristol West
P&C — via GA
Foremost
P&C — via GA
Lamar General Agency
P&C — via GA
Pathpoint
P&C — via GA
Normandy Insurance
P&C — via GA
Hiscox Now

Market Opportunity

Why carriers appointing Kivulink gain access to a growing, underserved segment.

🌍 Multilingual Reach

We serve clients in 8 languages — English, French, Kinyarwanda, Swahili, Kirundi, Lingala, Spanish, and Arabic. Houston's African and immigrant communities are one of the fastest-growing demographics in Texas, and most are uninsured or underinsured.

  • Rwandan, Burundian, and Congolese diaspora — Houston's largest concentration
  • French-speaking West African families
  • New arrivals navigating US insurance for the first time
  • Established immigrant families ready to buy home and auto

📈 Business Model

Kivulink operates as a full-service independent agency — not a lead generator. We enroll, we retain, and we conduct annual reviews. Our clients stay because of trust built through cultural and linguistic connection.

  • High retention — clients refer family and community members
  • Active in health, life, supplemental, and P&C
  • Growing into commercial lines — GL, E&O, business auto
  • Agent recruitment expanding our book across Texas

Ready to explore an appointment?

We welcome conversations with carriers and GAs who serve the Texas market and want to reach Houston's multilingual immigrant communities.

Innocent Muvunyi · Principal Agent · NPN 22182172 · info@kivulink.com

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