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Effective Date: May 27, 2026

This Privacy Policy describes how Insure With Kerry, also known as K K Ghormley, LLC (“we,” “us,” or “our”) collects, uses, and discloses your personal information when you use our website, apply for insurance, or interact with our agency in St. Louis, MO and surrounding areas.

1. Information We Collect

We collect personal information to provide you with tailored insurance and financial quotes and services. The types of information we collect may include:

  • Identifiers: Name, postal address, email address, and phone number.
  • Sensitive Personal Data: Social security numbers, driver’s license numbers, date of birth, and health/medical records and numbers.
  • Financial Information: Income, banking details, payment history, and credit history (when necessary for underwriting or quoting).
  • Transaction Data: Information about your policies, claims history, and coverage limits.

2. How We Gather Information

We gather your personal data in the following ways:

  • Directly from you: When you request a quote, fill out an application, or file a claim.
  • From third parties: Such as consumer reporting agencies, motor vehicle departments, or medical providers.
  • Automatically: Through cookies and tracking technologies when you visit our website.

3. How We Use Your Information

We use your information exclusively for insurance business purposes, which include:

  • Quoting, underwriting, and processing your insurance policies.
  • Servicing your accounts, handling claims, and answering your questions.
  • Fulfilling our legal and regulatory obligations.
  • Improving our business operations and communicating relevant product updates.

4. How We Share Your Information

We do not sell or rent your personal information to third parties. We only share your information as permitted or required by law. This may include sharing it with:

  • Insurance carriers and underwriters: To provide you with accurate policy options.
  • Service providers: Companies that help us run our business (e.g., IT providers, mailing services).
  • Regulators and law enforcement: When required to do so by Missouri or federal law.

5. How We Protect Your Information

We maintain reasonable physical, electronic, and procedural safeguards to protect your non-public personal information against unauthorized access, loss, or misuse.

6. Your Rights

Under applicable state and federal insurance laws, you have the right to request access to and correction of the recorded personal information we maintain about you. If you find errors, you can notify us in writing to request updates or corrections.

7. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our business or legal obligations. We will notify you of any material changes by posting the updated policy on our website or mailing you a copy.

8. Contact Us

If you have questions about this privacy statement, your data, or would like to exercise your rights, please contact us at:

Insure With Kerry
 4700 S. Lindbergh Blvd
 St. Louis, MO 63123
 314-405-8888
 Kerry@insurewithkerry.com

Medicare
supplement Insurance

Medicare Supplement covers things that Original Medicare doesn’t, like copays, deductibles, and coinsurance. It does all this with a steady, predictable, monthly bill you can budget for. And it can’t be cancelled. It will be renewed for as long as you pay your premium
on time and make no material misrepresentation.

You can add a Prescription Drug Plan and a Dental plan to Medicare supplement
insurance to get even more coverage.

You have to get Medicare Supplement Insurance through a private insurer. You’ll have to pay a monthly premium and depending on the plan you may also have copays.

Medicare Supplement Insurance may be a great fit for you if:
• You want more coverage than original Part A and Part B.
• You’d rather pay a monthly, predictable bill than have to pay out of pocket for an unexpected medical bill.
• You want the freedom to see any doctor who accepts Medicare.
• You want to be able to travel abroad with the confidence you will be covered.1
• You want insurance that can’t ever be cancelled.†

†As long as the premiums are paid on time and
there has been no material misrepresentation.

*Medicare supplement plans do NOT include
Medicare Part D prescription coverage.

Medicare Advantage-Part C

Medicare Advantage combines the coverage of Part A and B – Original Medicare, plus extra benefits. Many plans include prescription drug coverage as well as dental and vision care. Some plans have no copays for most labs or tests. And some even have extra benefits like gym memberships and transportation.

Most plans offer $0 premiums, but you do have to pay your Part B premium. Most plans have copays for treatment. And you’ll continue to pay your Part B premium. Medicare Advantage plans have a yearly limit for out-of-pocket costs you have to pay. Once you reach that amount, you won’t pay more for any of your Medicare costs, your plan will cover it. Different plans have different maximums.

Medicare Advantage plans work all by themselves. They replace Medicare Parts A and B and because of this all-in-one approach, you don't pair them with Medicare Supplement policies.

Medicare Prescription Drug Plan-Part D

Part D covers your prescription drugs and is a great addition to pair with Medicare supplement insurance. You probably won’t need it if you get Medicare Advantage since most Medicare Advantage plans include it. Just remember, which prescriptions are covered depends on which plan you get.

You have to get your Prescription Drug Plan through a private insurer. You’ll pay the monthly premium and a yearly deductible. You'll also pay a coinsurance (a percentage of the cost for your prescriptions) or a copay (a flat fee for some of your prescriptions’ cost). It is important to verify that all of your prescriptions are included in the plan formulary.