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 compares carriers for you, so you see real options side by side.
Group Health Insurance
Comprehensive coverage for your employees’ health, from preventive visits to hospital stays.
- Covers
- Doctor visits, hospital stays, surgery, prescriptions
- Plan types
- PPO, HMO, high-deductible plans with an HSA
Health insurance protects your team from the high costs of unexpected medical emergencies. It ensures timely access to care, promotes overall wellness, and may provide tax advantages for employers.
- Access to extensive provider networks throughout Florida
- Preventive care services with no cost-sharing
- Prescription drug coverage with multiple tier options
- Telemedicine services for convenient virtual visits
- Vision
- Critical illness
- 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 advocacy, compliance guidance on ACA, COBRA, and HIPAA, new-hire enrollment, and an annual review of how your plan is performing.
Why organizations partner with KP Insurance Solutions
The right advisor brings more than access to policies. Here’s what you get when you work with Keith.
Specialized group benefits expertise
Having focused on group insurance since 1987, we know plan design, underwriting, carrier negotiations, compliance, and claims administration inside and out. We stay current on new products and regulatory changes that could affect your benefits, so you don’t have to.
Established carrier relationships
Long-standing relationships with financially stable carriers give you access to competitive pricing and strong coverage options. Those relationships, built over decades, also help us advocate for you during underwriting, rate negotiations, and claims.
Objective, independent counsel
As an independent agency, we represent your interests, not any single carrier. We compare multiple carriers and products and recommend what fits you best. Carriers pay standard industry commissions, so our guidance comes at no added cost to you.
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.
Comprehensive service model
Placing your policy is just the beginning. We help with enrollment, employee questions, claims advocacy, compliance guidance, and annual plan reviews, and we step in with the carrier when problems come up.
Market intelligence and guidance
We track rate trends, new products, and regulatory developments, and bring you opportunities to improve coverage or control costs. Every annual review benchmarks your plan against the market so your benefits stay competitive.
What clients say
Florida business owners and families on working with Keith.
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Let’s look at your coverage together.
Tell us about your business or family and Keith will follow up within one business day. The consultation costs nothing.