BUilt on 20+ Years of healthcare & Insurance expertise
Because the best gift
you can give your family
LIFE INSURANCE & FINAL EXPENSES
Protect your family from the financial strain of end-of-life costs. Learn More
Protect your family from devastating healthcare spend-downs. . Learn More
We simplify Medicare Advantage and Medicare Supplements so you can easily choose the right healthcare path. Learn More
LONG TERM CARE INSURANCE PLANNING
MEDICARE HEALTH INSURANCE PLANS
is a certain tomorrow
Who we are
Founded by Kristin Epperly in 2018, KM Insurance Planning is a premier independent insurance broker 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.
Our thoughtful planning approach
We focus on simple, straightforward guidance 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 and look for any gaps in coverage. Learn More
We simplify complex Medicare Advantage, Medicare Supplements & plan enrollments. Discover a clear, stress-free path to protect your senior healthcare and lifestyle. Learn More
Medicare Health Plans
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, AL, NC, SC, MI, FL, CA, VA, KS, TN, TX, VA
Find Us On...
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.
PO BOX 147 Gig Harbor, WA 98335