No. Insurance carriers pay independent agents directly, so you pay the same premium you would pay going to the carrier yourself — with the advantage of an advisor who compares the whole market for you. For Medicare plans specifically, carriers pay our fee and there is no extra cost to you.
No. Kivulink is fully independent and appointed with more than 30 national and specialty carriers across auto, home, commercial, life, health, and Medicare. We recommend the policy that fits your situation — not the one that pays the highest commission.
Yes — policy reviews are free. Our team audits existing coverage for gaps, overpriced premiums, and badly structured products, and we have corrected policies that were costing clients hundreds of dollars a month with little to show for it.
Yes. We prepare returns for ITIN filers, self-employed and 1099 workers, and mixed-status households, including ACA subsidy reconciliation on Form 8962. If you need an ITIN, we can help you apply.
Kivulink is licensed in Texas, Tennessee, Arizona, Indiana, Michigan, Colorado and additional states — more than 10 in total. Our office is in Houston, TX, and we serve clients remotely across all licensed states.
One form. Every carrier we represent.
Tell us what you need once — a licensed advisor compares options across our appointed carriers and walks you through the fit, in plain language.
Thank you — request received.
A licensed Kivulink advisor will reach out within one business day. Need help sooner? Call 832-775-2509 any time.