Question 1

Does it cost extra to work with an independent agency like Kivulink?

Accepted Answer

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.

Question 2

Do you only sell policies from one insurance company?

Accepted Answer

No. Kivulink is fully independent and appointed with more than 50 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.

Question 3

Can you review an insurance policy I already have?

Accepted Answer

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.

Question 4

Can you prepare my taxes if I don't have a Social Security Number?

Accepted Answer

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.

Question 5

Which states is Kivulink licensed in?

Accepted Answer

Kivulink is licensed in 10 states — Texas, Tennessee, Arizona, Colorado, Indiana, Kentucky, Maine, Michigan, Ohio, and Wisconsin. Our office is in Houston, TX, and we serve clients remotely across all licensed states.

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