Insurance Services That Fit Your Life — and Budget

Simple, Affordable Coverage You Can Trust

At K&M Planning, we believe insurance shouldn’t be confusing or overpriced. That’s why we offer personalized, budget-conscious coverage options designed to meet you where you are—no upselling, no hidden fees, just honest protection.

Whether you’re looking to safeguard your family with life insurance, grow your wealth with an Indexed Universal Life policy, or secure everyday health and dental coverage, we’re here to help you make a smart, stress-free choice.

Our Services

Our Core Insurance Services

Life Insurance

Protect your loved ones, today and tomorrow. Choose from flexible life insurance plans—term or whole life—crafted to provide peace of mind and financial security for your family when it matters most.

Indexed Universal Life (IUL)

Grow wealth while staying protected. An IUL policy offers the dual benefits of life insurance and potential market-based growth—perfect for long-term financial planning and future income goals.

Health Insurance

Coverage that keeps you and your family healthy—without breaking the bank. We help you find the best plans for your needs, including individual and family options that offer real benefits at a price you can afford.

Dental Insurance

Affordable, reliable dental coverage made easy. Get the care you need with plans that cover routine checkups, cleanings, and more—whether for yourself or the whole family.

Why Choose K&M Planning?

No-pressure advice

You’ll never be sold on something you don’t need.

Plans that fit your life

From young families to retirees, we tailor coverage to your stage in life.

Licensed in NC, SC, GA, TN & VA

Local experts who understand the needs of your community.

Not Sure What You Need? Let’s Talk.

You don’t have to figure it out alone. Whether you know exactly what you’re looking for or need help deciding, we’re here to guide you.

Let’s find your ideal coverage — together.

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