Broker Check


What is a valid referral?

A valid referral is defined as a named contact with verified contact information and having an interest in purchasing Individual Health Insurance, Medicare supplemental Insurance, Group Health Insurance, Business Insurance and or Life Insurance.

 **Referrals for Financial Services are excluded from this program**


Who is eligible?

Any existing client or business partner.


What’s in it for you?

For a valid referral you will receive a Krum Insurance insulated cooler bag- one bag per customer/ per valid referral.

You will also be entered into a quarterly drawing to win tickets to a sporting event.

Any additional referrals will be eligible to receive additional gifts and receive additional entries into drawing.


What if my referral becomes a sale?

In addition to the cooler, and an entry into the lottery for game tickets, if your referral becomes our client you will receive another gift; a choice from various items** such as BBQ Grilling set, Wine Opener Set, and more. 

**These items are based on availability and are subject to change


When do you receive the gift?

Once the referral is contacted and validated by Michael Krum the gift will be sent to the address we have on file unless otherwise noted.


How do I submit my referral?

-Through our website

-By direct email to

-A direct phone call to 215-396-2888

-or through the button below