Insure With Kerry

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Who AM I?

Kerry Ghormley, CLTC

I am an insurance broker with over 18 years of experience.
 
My personal experiences with most of the products I represent fuels the passion I have to help people. It is my wish to help others around me to be prepared for the unexpected challenges that arise every day.

I chose to focus in the areas of Life and Health Insurance because I know how critical it is to have the right plans in place. I take my calling to heart by educating individuals on the options available if they Live too long, Die too soon, or get Sick or Hurt along the way.

I am currently licensed in
Missouri, Illinois, Iowa, Florida, Michigan and Wisconsin.
Additional states can be added as needed.

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Here for your family

Easy to Understand

Imagine having the freedom to choose from a wide network of experienced dentists and optometrists, ensuring that you and your family receive the best care possible. Whether it’s routine check-ups, unexpected emergencies, or even corrective procedures, my plans have you covered.

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Dental & Vision Insurance

Here for your future

Easy to Understand

Discover a straightforward approach to life insurance that empowers you to protect your loved ones. Unlock the benefits of a user-friendly platform designed to simplify the complex world of insurance, making it accessible to everyone. Explore comprehensive coverage options tailored to your unique needs, accompanied by expert guidance every step of the way.

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Life Insurance

Here for your journey

Easy to Understand

Looking for simplicity and clarity when it comes to Medicare coverage? I offer a comprehensive selection of easy-to-understand Medicare plans to suit your unique needs. From understanding copayments, deductibles, and prescription drug coverage, to finding the right plan that fits your budget. Whether you’re retiring soon or seeking coverage for a loved one, I’ve got you covered.

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Medicare

Protection Plans

As a licensed insurance agent*, I work hard to help:

Young Families

Help young families protect their family and property in case of an unexpected and potentially devastating disability or death.

Professionals

Help professionals plan for a long retirement, so they don’t run out of money yet still have the lifestyle they desire.

Retirees

Help those close to retirement prepare for the effects of healthcare expenses including long-term care and unexpected illnesses.

Small Business

Help small business owners protect their life’s work for their family and employees.

Our Process

Step 1


Our first conversation will focus on getting to know you, hearing your story, answering your questions and understand how we fit together.

Step 2


After listening to your financial history and goals, we’ll begin looking at options that make sense and shape recommendations based upon your feedback.

Step 3


Once we’ve set out together, we’ll keep the conversation going and adjust the course as necessary.

our SOLUTIONS

annuities
critical illness insurance
cancer, heart attack & stroke insurance
Medicare Planning
dental & Vision insurance
life insurance
Short & long-term care insurance
small business solutions

Learning Center

Real Stories, Real Success

Gretchen Curry, MSPH

Jay Wolfe

CEO – Home Care Leader

Owner – Grace Construction LLC

My company is a provider of LTC services (in-home medical and non-medical assistance) to seniors and non-seniors. I understand the need for LTC planning and have seen the results of individuals not having a plan in place when the need does arise. I secured LTC insurance for MYSELF via Kerry. LTC insurance is her specialty, she is certified in this area. As a business owner, she helped my CPA and I explore the best option for me to secure a policy. Priceless! I highly recommend her as a professional advisor in this area.

After starting Grace Construction, we wanted to provide insurance for our employees. We contacted Kerry to find the best prices. She was punctual and helpful throughout the process. We trust her completely and will call on her for future needs.

Jennifer Johnson

David Coblitz

Senior Project Manager – Cushman & Wakefield

Owner – Grace Construction LLC

Kerry is highly trustworthy, honest and caring. She sincerely cares about her clients and making sure their present and future is taken care of in a way that fits their needs and budget. Kerry is professional and has a great sense of humor. It was like welcoming a friend into my home!

Kerry is extremely conscientious in finding the best insurance solutions for her clients & is even willing to review your insurance situation at no cost & evaluate whether your coverage is too much, too little, or just right. I would take her recommendations at face value since I’ve found her to be very honest and protective of her customers’ interests.

Kimberly Cheryl Elliott

Linda Domeyer

Owner – Executive Defense Technology, LLC

Director of Leadership Giving – St. Louis University

After losing corporate insurance, Kerry worked very hard to find ways to obtain medical insurance for my family and myself. She was very professional, returned calls promptly and was knowledgeable about all of the products that would be available to us. She helped find a product that would not only cover our needs but would be affordable for our budget as well. I would highly recommend her to anyone in need of any services.

Kerry did a fantastic job of recommending insurance for our family and fulfilling our insurance needs. She was always on top of the process and was flexible, trustworthy and delightful to work with.

Medicare
supplement plans

A Medicare Supplement Insurance Plan is used with original Medicare. Any caregiver that accepts Medicare will take a Medicare Supplement Insurance Plan because they only need to bill Medicare. Medicare pays their part (generally 80% of Medicare covered benefits) and sends the remainder of the bill to the Supplement which pays their part (generally 20%). It is important to note that Medicare Supplement Insurance Plans do NOT include Prescription Drug Coverage (Part D, PDP) and for those that do not get a PDP when first eligible there will be a penalty when they do get a PDP. (there are exceptions to this) A Medicare Supplement Insurance Plan does not change year to year (although the cost does generally go up the coverage does not change).

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Medicare
advantage plans

Medicare Advantage Plans, sometimes called "Part C" or "MA Plans," are an “all in one” alternative to Original Medicare. They are offered by private companies approved by Medicare. If you join a Medicare Advantage Plan, you still have Medicare. These "bundled" plans include Medicare Part A (Hospital Insurance) and Medicare Part B (Medical Insurance), and usually Medicare drug coverage (Part D).

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Medicare Part D
Prescription Drug Plans

Medicare Prescription Drug Plan (Part D). These plans (sometimes called "PDPs") add drug coverage to Original Medicare, some Medicare Cost Plans, some Medicare Private Fee-for-Service (PFFS) Plans, and Medicare Medical Savings Account (MSA) Plans.
Each Medicare Prescription Drug Plan has its own list of covered drugs (called a formulary). Many Medicare drug plans place drugs into different "tiers" on their formularies. Drugs in each tier have a different cost.
A drug in a lower tier will generally cost you less than a drug in a higher tier. In some cases, if your drug is on a higher tier and your prescriber thinks you need that drug instead of a similar drug on a lower tier, you or your prescriber can ask your plan for an exception to get a lower copayment.

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