Complete Protection for Every Stage of Life
From mortgage protection and IULs to final expense coverage and retirement annuities—we help you safeguard your family, your home, and your future. Serving clients virtually in 44 states.
Our mission
Empowering Your Financial Journey with Education and Integrity
Services
Protection & Retirement Solutions
KM Flood Agency Inc. specializes in protecting families and building financial security with a focus on Mortgage Protection, Indexed Universal Life (IUL) policies, Final Expense insurance, and Fixed Indexed Annuities. Our virtual, education-driven approach ensures you get the right coverage—tailored to your needs and goals.
Mortgage Protection
Safeguard your home and your loved ones. Mortgage protection ensures your family can keep their home if the unexpected happens.
Indexed Universal Life (IUL)
Flexible, tax-advantaged life insurance with living benefits and cash value growth—ideal for retirement, legacy planning, and more.
Final Expense
Affordable coverage to cover funeral costs and final expenses, giving your family peace of mind during difficult times.
Fixed Indexed Annuities
Grow and protect your retirement savings with guaranteed income and downside protection—no stock market risk.
Partnered with the Industry's Best Insurance Carriers
Benefits
Why Choose Our Integrated Approach?
Combining Life Insurance, Annuities, IULs, and Final Expense coverage delivers unmatched flexibility, security, and peace of mind for every stage of life.
Holistic Planning
We design solutions that address your entire financial picture—not just one product.
Tax Advantages & Guaranteed Income
Benefit from tax-deferred growth and secure, predictable retirement income.
Personalized, Virtual Service
Work with an experienced agent from anywhere—your needs drive every recommendation.
About Us
Meet Keith Flood
As a Licensed Broker with KM Flood Agency Inc., I'm dedicated to helping clients across 44 states achieve financial security and peace of mind. I educate, empower, and guide you through every stage of planning with honesty, clarity, and professionalism.
Credentials
Licensed in 44 States
Keith Flood is a licensed life and health insurance broker. Verify my credentials through the NIPR database.
NPN: 8385928
Contact Us
Ready to take control of your financial future? Reach out for a personalized consultation—let's build your plan together.
FAQ
Here are answers to the most common questions about our comprehensive financial solutions.
We provide Life Insurance, Indexed Universal Life (IUL), Annuities, and Final Expense coverage—customized for your needs.
Yes! We serve clients virtually in 40 states via Zoom or Google Meet.
Contact us for a consultation. We'll review your goals and design a solution tailored for you.
Absolutely. We follow all regulatory guidelines and use secure, virtual platforms for meetings and document handling.