Protection, simplified.
Group health, dental, life and disability coverage built to hold up when it matters most. Guided personally by Keith Paynter, LUTCF, for Florida businesses and families since 1987.
- Independent agency
- LUTCF since 1991
- Serving Florida since 1987
- LUTCFdesignation since 1991
- NAIFAmember since 1991
- NABIPmember, formerly NAHU
- The American Collegegraduate
- Life Underwriter of the YearImperial Association of Life Underwriters
- Leadership in Life Institutegraduate, 1996
- Past PresidentImperial Association of Insurance and Financial Advisors
- Past Director at LargeFlorida Association of Insurance and Financial Advisors
Coverage for the people who keep your business running
Four core group benefits, each shaped around your workforce and your budget. Keith gathers proposals from the carriers he works with, so you can compare real options side by side.
Group Health Insurance
Group medical coverage for your employees, from preventive visits to hospital stays.
- Covers
- Doctor visits, hospital stays, surgery, prescriptions
- Plan types
- PPO, HMO, POS, high-deductible plans with an HSA
Health insurance helps protect your team from the high cost of unexpected medical events and can help employees get the care they need. Employer contributions may offer tax advantages; ask your tax advisor how they apply to you.
- Provider networks throughout Florida (networks vary by carrier and plan)
- In-network preventive care with no cost-sharing on many plans
- Prescription drug coverage with multiple tier options
- Telemedicine options on many plans
- Vision
- Critical illness
- Cancer (limited benefit)
- Accident
- Flexible spending accounts
A Floridian protecting Floridians
Keith Paynter was born and raised in Florida and has spent more than three decades helping families and employers across the state choose coverage with confidence. He brings the same care to every client that he brings to his own family: his wife, two sons, and grandchild.
Read Keith’s storyAs a Floridian myself, I know the importance of protecting what matters most. Let me help you safeguard your family’s future.
How we build your benefits program
A clear five-step process that starts with understanding your organization and continues long after enrollment.
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Step 1: Discovery
We learn how your organization works: workforce demographics, current benefits, claims experience, budget, and what you want your benefits to achieve.
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Step 2: Market research
We take your needs to market and compare carriers on financial strength, claims service, network fit, plan features, and price.
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Step 3: Plan design
You get clear recommendations on coverage, cost-sharing, and contribution strategy, with what each option means for your budget and your employees.
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Step 4: Implementation
We coordinate the carrier, review documents, and run enrollment with meetings, webinars, and one-on-one help so every employee understands their options.
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Step 5: Ongoing service
Claims support, general information on ACA, COBRA, and HIPAA requirements (not legal advice), new-hire enrollment, and an annual review of how your plan is performing.
Why organizations partner with KP Insurance Solutions
The right agent brings more than access to policies. Here’s what you get when you work with Keith.
Focused group benefits experience
Having focused on group insurance since 1987, we work with plan design, underwriting, carrier negotiations, regulatory requirements, and claims support every day. We stay current on new products and regulatory changes that could affect your benefits.
Established carrier relationships
Long-standing relationships with carriers help us bring you a range of coverage options. Those relationships, built over decades, also help us advocate for you during underwriting, renewals, and claims.
Independent agency
As an independent agency, we are not limited to a single carrier. We gather proposals from the carriers we work with and help you choose coverage that fits your needs. We are paid commissions by the carriers, which are included in the premium; we do not charge you a separate fee for our service.
Customized program design
We look at your industry, competitive position, workforce, location, budget, and culture before recommending anything. The result is a benefits program built around your organization rather than a one-size-fits-all package.
Service that continues after enrollment
Placing your policy is just the beginning. We help with enrollment, employee questions, claims support, general compliance information, and annual plan reviews, and we contact the carrier on your behalf when problems come up.
Market awareness
We track rate trends, new products, and regulatory developments, and bring you options that may improve coverage or help manage costs. Annual reviews compare your plan with what is available in the market.
How much life insurance might your family need?
A quick estimate using the DIME method (Debt, Income, Mortgage, Education). Move the sliders; open the extra details for a fuller picture.
Add debts, education, final expenses and savings
Estimated coverage gap
Example figures only. This is a starting point for a conversation, not a quote or a recommendation. It does not account for inflation, taxes, or Social Security survivor benefits.
What clients say
In a client’s own words.
Let’s look at your coverage together.
Tell us about your business or family and Keith will follow up within one business day. There is no charge to ask for a quote or talk with Keith.