Comprehensive Insurance & Financial Solutions
At Kirkland Insurance Services, Inc., we provide strategic, cost-effective coverage designed to protect individuals, families, and businesses. We specialize in helping self-employed professionals and independent contractors—who often struggle to find affordable, high-quality coverage—by leveraging unique strategies that maximize benefits while reducing costs.

Health Insurance
Health insurance has evolved—pre-existing conditions no longer result in denial of coverage, except for Medicare Supplement plans that may require underwriting outside of guaranteed issue or special enrollment periods. As a Certified Covered California Agency, we help clients find the right plan and determine eligibility for subsidies.

Medicare Advantage
If you’re turning 65, under 65 with SSDI for 24 months (including due to ESRD or ALS), or exploring new options, we provide expert guidance through Medicare Advantage plans. Open enrollment runs from October 15th to December 7th.

🔹 CMS Disclaimer: We do not offer every plan available in your area. Currently, we represent 35 organizations that offer 317 products. For a complete list of options, visit Medicare.gov, call 1-800-MEDICARE, or contact your local State Health Insurance Program. Kirkland Insurance Services is a non-government entity.

Life Insurance
We compare hundreds of top-rated insurance companies to secure the best term, whole, or universal life policies. Fully underwritten term life insurance includes a free medical exam, with applications often taking less than 10 minutes. You pay nothing unless you’re approved at a rate you accept.

Accident Insurance
Unexpected accidents can result in costly medical bills. Whether you’re active, accident-prone, or simply looking for peace of mind, standalone or supplemental accident insurance helps limit financial liability.

Critical Illness Insurance
A lump-sum payment upon diagnosis of cancer, heart attack, or stroke provides financial security when it’s needed most. Policies come with simplified or full underwriting, depending on your needs.

Simplified Life Insurance
No medical exam required—ideal for those who prefer a fast, hassle-free application process. Approval is quick, and you pay nothing until you accept the rate.

Disability Insurance
Protect your most valuable asset—your income. If illness or injury prevents you from working, disability insurance ensures financial stability so you can maintain your lifestyle.

Travel Insurance
Planning a trip or moving abroad? We offer affordable travel insurance covering trip cancellations, medical emergencies, and global expat medical coverage for international travelers.

Long-Term Care Insurance
Whether for yourself or a loved one, long-term care insurance covers essential assistance for daily living activities, reducing the burden on family members and securing future care needs.

Annuities & Income Planning
Looking for financial stability and guaranteed returns? Fixed indexed annuities provide a secure, long-term investment while allowing you to lock in gains. We also offer custom income planning strategies to ensure long-term financial security.

Trusts & Wills
Ensure your estate is protected with affordable legal planning services. We connect you with attorneys specializing in trusts and wills, helping you safeguard your family’s future. It’s never too early or too late to plan.

At Kirkland Insurance Services, we don’t just sell insurance—we provide tailored solutions that save you money, increase coverage where it matters most, and secure your financial future.