BUilt on 20+ Years of healthcare & Insurance expertise
Planning Your Future with Confidence
Custom retirement and insurance solutions tailored to your unique lifestyle. From income planning and life insurance to Medicare education and planning. We build the safeguards you need to handle life's "what-ifs" proactively, so that you can enjoy the peace-of-mind that you have worked hard for.
LIFE INSURANCE & FINAL EXPENSES
Protect your family from the financial strain of end-of-life costs. We deliver tailored life insurance and final expense coverage engineered to preserve your estate, defend your wealth, and provide immediate peace of mind for your family. Learn More
Protect your family from devastating healthcare spend-downs. Our advisors deliver customized insurance solutions and strategic long-term care planning designed to defend your lifetime wealth and secure your ultimate financial peace of mind. Learn More
We simplify Medicare Advantage and Medicare Supplements so you can easily choose the right healthcare path. We also manage expert IRMAA planning to prevent premium surcharges and ensure your wishes are met. Learn More
LONG TERM CARE INSURANCE PLANNING
MEDICARE HEALTH INSURANCE PLANS
Who we are
Founded by Kristin Epperly in 2018, KM Insurance Planning is a premier independent insurance agency & brokerage built on transparency and trust. Combining a decade of clinical healthcare experience with a strong background in banking and insurance, we provide custom life insurance solutions, long-term care strategies, and Medicare planning to help families make confident financial decisions without pressure
We believe insurance should support your life, not complicate it. That’s why we focus on education, transparency, and thoughtful planning, taking the time to understand your goals before making recommendations. Our role is to simplify complex choices and advocate for your best interests every step of the way.
As an independent firm, we’re not tied to a single carrier or product. This allows us to remain objective, flexible, and fully aligned with our clients’ needs.
At KM Insurance Planning, we’re committed to being a steady, reliable partner, today and as your life evolves.
Our thoughtful planning approach
We focus on simple, straightforward advice tailored to your unique retirement insurance needs. Thoughtful planning starts with understanding the full picture, not just one piece of it. We look at how retirement planning, insurance coverage, and long-term protection work together, so nothing is considered in isolation. This integrated approach helps reduce gaps, avoid unnecessary overlap, and create a clearer path forward.
Our process is collaborative and flexible. We review what you already have, identify areas that may need attention, and walk through your options in a practical, real-world way. As your life evolves, your plan can evolve with it, allowing your retirement and insurance strategies to stay aligned with your goals, priorities, and changing needs over time. The result is planning that feels coordinated, intentional, and easier to manage.
Our Services
Tailored retirement and insurance solutions that's coordinated, clear and built around your life.
Retirement Planning
Personalized strategies to build income and confidence, this includes income planning and long-term care planning. Learn More
Life Insurance & Final Expenses
Whether you are looking for life insurance, burial coverage or protecting your future income, we will complete a full review for and gaps in coverage. Learn More
We partner with Legal Shield for individuals, businesses & HR Teams. Discover affordable access to life's legal questions, contracts and estate planning documents. Learn More
Medicare Health Plans
Worksite / Business Planning
Voluntary benefits are a powerful tool when done right. We partner with businesses/HR to help fill gaps while offering added-value to keep your most valued employees with your company. Learn More
Disclaimer: KM Insurance Planning is an independent insurance agency and is not affiliated with, endorsed by, or connected to the federal Medicare program, the Centers for Medicare & Medicaid Services (CMS), or any other government agency. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE (TTY users should call 1-877-486-2048) 24 hours a day/7 days a week to get information on all of your options.
Have a question or want to book a meeting?
Send us a message!
We're here to help you make confident retirement and insurance decisions.
Insurance products and services are offered through KM Insurance Planning (DBA: US Burial, Fortifying Solutions). We value your privacy and are committed to TCPA and DNC compliance. By engaging with this site, you acknowledge that communications may be monitored or recorded for quality assurance. To opt-out of future communications, please email info@KMbenefits with 'Opt-Out' in the subject line.
Contact Us
Reach out for personalized retirement planning guidance.
Info@KMbenefits.com
www.kmbenefits.com
253-241-3603
© 2026. All rights reserved.
National Producer # 18689134
Licensed in: WA, OR, NV, AL, NC, MI, FL
