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The KBPM Blog

Plain-language insurance content, written by a licensed, independent broker who works for YOU, not the insurance company.

That matters because I can help you and your family compare options across carriers and choose protection based on your needs, budget, and future—not a single company’s product line.

Written by Kelly B. Hunter [NPN: 19194579], currently licensed in 17 states.

All Posts Kelly's Corner Life Health Dental, Vision & Hearing Insurance for Seniors Mortgage Protection Estate Planning
Latest Posts
Life Insurance Awareness Month Life Insurance Awareness Isn’t the Problem. Inaction Is.
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You already know life insurance matters. The decision that changes everything is putting protection in place before your family needs it. Read the post →
Insurance for Seniors How Your Bank Account Might Predict Dementia
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Research now shows financial warning signs appear 6 to 8 years before a dementia diagnosis. Here is what the money trail is telling you and what to do before the window closes. Read the post →
Kelly's Corner What Is a Protection Strategist and Family Legacy Designer (And Why Your Family Needs One in Their Corner)
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A plain-language definition of the two titles I carry, the difference between an agent and a strategist, and why having one person who actually knows your family changes every outcome. Read the post →
Life Insurance How Much Life Insurance Do You Actually Need? A Plain-Math Guide for 2026
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Forget the 10x salary rule. Here is the real math behind how much life insurance your family actually needs, and the four numbers that drive the answer. Read the post →
Health Insurance ACA vs Private Health Insurance in 2026: Which One Actually Saves You Money?
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A clear breakdown of when ACA marketplace plans beat private health insurance, when private wins, and the income thresholds that flip the math. Read the post →
Dental, Vision & Hearing Why Dental, Vision, and Hearing Coverage Isn't Just for Retirees
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Standalone DVH plans cost less than a streaming subscription and cover the three categories most health insurance ignores. Here is who actually needs them. Read the post →
Insurance for Seniors Medicare Supplement vs Medicare Advantage: The Real Tradeoffs Nobody Explains
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An honest, unbiased comparison of Medigap vs Medicare Advantage in 2026, including the catch most agents will not tell you about switching back later. Read the post →
Mortgage Protection What Mortgage Protection Insurance Actually Pays For (And What It Doesn't)
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Mortgage protection insurance is misunderstood by most homeowners. Here is exactly what it pays, what it does not, and when it is the right tool. Read the post →

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