Effective Date: May 11, 2026​

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These Terms & Conditions govern your use of the KP Insurance Services website, including our forms, landing pages, advertisements, scheduling tools, SMS and email communications, educational materials, videos, downloadable resources, and related services.

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KP Insurance Services is operated by Kimberly Penny Insurance Services, LLC (“Company,” “we,” “our,” or “us”)

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By accessing this website, submitting information, scheduling an appointment, or communicating with our office by phone, email, or text message, you acknowledge and agree to the Terms & Conditions outlined below.

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Company Information

KP Insurance Services is an independent insurance agency. We provide insurance education, Medicare education, retirement income guidance, life insurance solutions, annuity education, and related insurance-based services.

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Educational and Informational Purposes Only

The information provided on this website and through our related communications is intended for general educational and informational purposes only.

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Nothing on this website, in our videos, emails, text messages, advertisements, downloadable materials, or other communications should be interpreted as individualized financial, investment, securities, tax, or legal advice.

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You should consult with appropriately licensed professionals regarding your personal financial, investment, tax, legal, or estate planning situation.

Insurance and Retirement Services Disclaimer

KP Insurance Services is an independent insurance agency. We are licensed insurance professionals and retirement income specialists.

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We are not registered investment advisors, broker-dealers, securities professionals, tax advisors, or attorneys.

Insurance and annuity products are offered through properly licensed insurance professionals. Product availability, features, rates, riders, benefits, and limitations may vary by state, carrier, eligibility, and individual circumstances.

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Any examples, scenarios, illustrations, or hypothetical situations presented are for informational purposes only and are not guarantees of future performance or results.

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Guarantees referenced in insurance or annuity products are backed solely by the financial strength and claims-paying ability of the issuing insurance carrier.

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Client Responsibility

KP Insurance Services depends on clients and prospective clients to provide complete and accurate information.

It is the client’s responsibility to review all applications, policy forms, coverage details, disclosures, illustrations, and issued policies for accuracy and to confirm that they align with the client’s needs and expectations.

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No Guarantee of Results

We strive to provide accurate and helpful information; however, we do not guarantee specific outcomes, product approvals, premium amounts, benefit levels, retirement income results, tax results, legal outcomes, or future financial performance.

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Website Content

We make reasonable efforts to keep website content accurate and current, but we make no representations or warranties regarding the completeness, reliability, accuracy, or timeliness of information presented.

We reserve the right to modify, update, or remove website content at any time without prior notice.

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SMS Terms & Conditions

SMS Consent Communication

The information, including phone numbers, obtained as part of the SMS consent process will not be shared with third parties or affiliates for marketing purposes.

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Types of SMS Communications

If you have consented to receive text messages from KP Insurance Services, you may receive messages related to:

• Appointment reminders

• Appointment confirmations

• Follow-up messages

• Responses to inquiries

• Medicare education

• Retirement planning education

• Insurance-related information

• Customer support

 

Example message:

“Hello, this is a friendly reminder of your upcoming appointment with KP Insurance Services on [Date] at [Time]. You can reply STOP to opt out of SMS messaging at any time.”

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Message Frequency

Message frequency may vary depending on the type of communication and your interaction with our services. You may receive up to 2 SMS messages per week related to appointments, inquiries, follow-up, or requested information.

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Potential Fees for SMS Messaging

Standard message and data rates may apply depending on your mobile carrier’s pricing plan. These fees may vary if messages are sent domestically or internationally.

Opt-In Method

You may opt in to receive SMS messages from KP Insurance Services in the following ways:

• By submitting an online form

• By checking the SMS consent box on a website form

• By submitting a landing page or scheduling form

• By directly requesting information from KP Insurance Services

Opt-Out Method

You can opt out of receiving SMS messages at any time by replying STOP to any SMS message you receive.

You may also contact us directly at info@kpinsuranceservices.com to request removal from SMS communications.

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Help

If you are experiencing any issues, you can reply HELP for assistance.

You may also contact us directly at info@kpinsuranceservices.com.

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Additional Options

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

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Standard Messaging Disclosures

Message and data rates may apply.

You can opt out at any time by texting STOP.

For assistance, text HELP or contact us at kimberly@kpinsuranceservices.com.

Message frequency may vary.

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External Links

Our website and social media pages may contain links to third-party websites or resources. These external websites are not controlled or maintained by KP Insurance Services.

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We do not guarantee the accuracy, relevance, timeliness, completeness, or reliability of any information contained on third-party websites and are not responsible for their content, policies, or practices.  Users are encouraged to review the terms and privacy policies of any external websites they visit.

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Limitation of Liability

Under no circumstances shall KP Insurance Services be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this website, its content, communications, or reliance upon any information provided.

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Changes to These Terms

We may update these Terms & Conditions periodically. Any updates will be posted on this page with the revised effective date.

Continued use of our website or services after changes are posted constitutes acceptance of those updates.

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Contact Us

If you have questions regarding these Terms & Conditions, please contact:

KP Insurance Services | Email: info@kpinsuranceservices.com