Business Details
50+ Years
experience
Trusted Insurance Brokerage Services for Independent Agents
Since 1975, Calkins Kramer Insurance has established itself as a premier general brokerage agency dedicated to delivering exceptional insurance solutions. Our team of professionals works exclusively with top-rated carriers, rigorously evaluated for financial stability, historical performance, and regulatory compliance. Through continuous education and deep industry expertise, we offer a comprehensive range of life insurance productsincluding term life, whole life, universal life, index universal life, and survivorship life policiesalongside long-term care insurance, disability income insurance, and fixed annuities.Our in-house underwriting capabilities and longstanding relationships with carriers enable tailored solutions for independent agents across 49 states. With a focus on innovation and client-centric service, we empower agents to grow their businesses through competitive products and dedicated support.
Services
Life Insurance
Long Term Care Insurance
Disability Income Insurance
Fixed Annuities
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Index Universal Life Insurance
Survivorship Life Insurance
General Brokerage Services
Details
- Year established: 1975
Highlights and features
- We have over 45 years of experience as a general brokerage agency.
- We partner exclusively with top-rated, financially stable insurance carriers.
- Our in-house underwriting team provides specialized support for complex cases.
- We offer tailored insurance solutions for independent agents' unique client needs.
- Our staff maintains deep expertise in life, long-term care, and disability insurance.
Services
Life Insurance
We provide comprehensive life insurance solutions, including term life, whole life, universal life, index universal life, and survivorship life policies. Our products help agents meet diverse client needs, from income replacement to estate planning. Backed by top-rated carriers, our policies offer flexible terms and competitive rates.
Long Term Care Insurance
Our long-term care insurance protects clients against the financial burden of extended healthcare needs. Designed for independent agents' clients, these policies cover nursing home care, assisted living, and in-home services. We offer customizable benefit periods and inflation protection options.
Disability Income Insurance
We offer disability income insurance to replace lost wages during periods of disability. Our policies ensure clients maintain financial stability through short-term and long-term coverage options. Benefits are customizable based on occupation and income level.
Fixed Annuities
Our fixed annuities provide guaranteed income streams for retirement planning. These tax-deferred products offer principal protection and predictable returns. Agents can choose from multi-year guarantee and immediate annuity options to suit client goals.
General Brokerage Services
We support independent agents with underwriting expertise, product training, and marketing resources. Our brokerage services include policy placement assistance and access to exclusive carrier partnerships. Agents benefit from streamlined quoting and application processes.
Questions
What insurance products do you offer?
We offer life insurance, long-term care insurance, disability income insurance, and fixed annuities, including term life, whole life, universal life, and survivorship life policies.
Which states do you serve?
We serve independent insurance agents in 49 U.S. states, excluding New York.
Do you have in-house underwriting capabilities?
Yes, we have in-house underwriters to provide specialized support for complex cases and expedite policy approvals.
How do you support independent agents?
We provide agents with product training, marketing resources, underwriting assistance, and access to top-rated carriers through our brokerage services.
What sets your agency apart from competitors?
Our 45+ years of experience, exclusive partnerships with top-rated carriers, and dedicated in-house underwriting team distinguish us as a trusted brokerage partner.
