Insurance Guidance & Common Questions

Kelly B Protects Me (KBPM) is the insurance and family protection website of Kelly B. Hunter, a licensed independent insurance broker, National Producer Number (NPN) 19194579. Kelly helps individuals, families, and business owners compare available protection options across the carriers she represents.

What does Kelly B Protects Me help with?

• Life insurance and final expense coverage: explore protection for family income, debts, and end-of-life expenses.
• Medicare guidance: understand coverage options and questions to ask before choosing a plan.
• Health insurance guidance: compare available coverage based on your needs.
• Business owner protection: discuss continuity, key-person risks, and buy-sell funding.
• Existing policy reviews: check whether current coverage still fits your family and obligations.
• Family continuity planning: organize protection and the information your family needs if you become unavailable.

Is Kelly an independent insurance broker?

Yes. Kelly B. Hunter is an independent insurance broker rather than a representative of a single insurance company. She helps clients compare options from the carriers she represents. Independence does not mean every insurer or product is available.

How can I verify Kelly’s insurance credentials?

Kelly’s National Producer Number is 19194579. You can use the National Insurance Producer Registry’s NPN lookup and your state’s insurance department to check producer information. Confirm current licensing for your state and the type of insurance you need before applying.

Can Kelly help clients in my state?

Insurance availability depends on Kelly’s current state licenses, carrier participation, the product, and your eligibility. Contact Kelly to confirm availability in your state. This website is not a promise that every plan is available nationwide.

How much life insurance might my family need?

A useful starting point is to consider debts, income replacement, mortgage obligations, and education costs, then account for existing resources. Use the Life Insurance Needs Calculator and read the plain-math life insurance guide. An estimate is not a quote or an approval.

Can I review coverage I already have?

Yes. Start with the coverage review to discuss your policy, coverage amount, beneficiaries, and whether your needs have changed. A review does not require you to replace an existing policy.

Does family continuity planning replace legal advice?

No. Insurance guidance and educational planning tools do not replace advice from an attorney or tax professional. Legal documents, authority to make decisions, and tax consequences should be reviewed with appropriately qualified professionals.

Where can I read Kelly’s insurance guidance?

The KBPM blog covers life insurance, health insurance, Medicare, mortgage protection, and family protection. The Resources page includes calculators, guides, and planning tools.