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Plan Today. Protect Tomorrow.

Health Insurance

At Krum Insurance & Financial Services, we don't believe in a one-size-fits-all approach to health insurance. Instead, our Health Plans are tailored to your specific needs. Whether you're seeking coverage for seven months, seven years, or a lifetime we can help you. Whether you're opening your own business, changing careers, or just need individual coverage we can help you balance costs and benefits, weigh your options and develop a plan as unique as you are.

Are you feeling intimidated by the idea of buying a health insurance plan? Don't worry, we can make it simple. With 25 years in the health insurance business, we do our job very well. Whatever your questions we'll answer them so that you can make informed decisions. With just a phone call and a few minutes of your time we can get you the information that you need.

CALL US NOW- 215-396-2888 ask for Michael

Give us a call, and speak with Michael Krum about creating a plan that works seamlessly with your needs.


Life Insurance

Your family may depend on you for many things including financial security. With a life insurance policy you are helping to ensure that the financial needs of your family are met in the event of your death. And, knowing your family has the opportunity for a secure future may mean peace of mind for you now. We know you want to protect what matters most in your life: your loved ones. So, Plan Today. Protect Tomorrow.

Who Needs Life Insurance?
You need a life insurance policy if anyone depends on your income or stands to inherit a financial burden in the event of your death.

The Affordable Plan for Life and Family
Term life insurance is the most affordable option for anyone who, in the event of their untimely demise, needs to provide a future course for their dependents.

What is Term life insurance?
Term life insurance means that it has a pre-determined expiration that is a set at the time of the purchase. As long as the premiums are paid each month and the policy is inforce, the beneficiaries are paid the full death benefit if the policy holder dies during that period.

Term life insurance costs less than permanent life insurance policies, such as whole life and variable life. These policies are more affodable because the policy accrues no cash value (there are some exceptions) and because the policy is guaranteed to end within a certain number of years. The insurance company hopes the term will expire before the policy holder dies.

Life Carrier Listings:

We are an independent broker which allows us the opportunity to write policies from any of the top life insurance carriers, choosing the one that is right for you. We represent our clients with any of the top life insurance companies available.



Additional providers:

  • Transamerica Life Insurance Company and Annuity Company
  • Prudential Life Insurance Company
  • Ohio National Financial Services

Commercial Insurance

In order to meet the needs of each individual client our agency represents over 30 companies with varying qualifications . Because of changing situations and improved insurance laws, we will find you every discount possible to save money. Prior to your insurance renewal we will be able to check multiple companies do we can be sure to continue to provide you the lowest rates. We strive to provide better rates and better coverage.

Commercial Carrier Listings:


Business Insurance

As a business owner, securing your business for the long-run takes a strategy that works on all fronts-responding to your individual, business and employee needs. What safeguards do you have against the liabilities and risks that come with managing your business? What are your plans for the continuation of the business after your death, or the death of a partner or a key employee? What benefits do you offer employees to maintain their security and loyalty? How about your own financial needs?

Together we can strategize and formulate a plan for all of these questions and more. We will work as your partner in insuring your business, on all fronts, so that it is protected for years to come.