Gartman Insurance Agency provides reliable and trusted insurance coverage.

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Life Insurance
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Gartman Insurance Agency’s mission
is providing tailored solutions at an affordable price

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We are here for you. We want every single one of our customers to know this about us. You are our priority in all that we do. Whether you’re looking to find a policy for your new home, car, or business or you’re looking to revamp your current policy to get better coverage, we have the expertise and solutions for you.

As an independent insurance agency, we work with some of the nation’s top-rated insurance companies to give you the power of choice when it comes to your insurance. We find you customized coverage options at affordable prices that work for your budget and needs. We take the time to really get to know you and what’s important to you, so that way what matters most gets the protection it deserves.

We know insurance can be complicated. That’s why we’re here to help clarify and simplify the process. With us, you won’t wonder what your policy covers because we make sure to explain it to so that way you have peace of mind knowing that what’s important to you is protected.

Three Locations
Erlanger, KY
Richmond, KY
Cincinnati, OH

The Solution To Your Insurance Needs

Providing a variety of personal insurance and business insurance solutions is what Gartman Insurance Agency does best.

Personal Insurance

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Business Insurance

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Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Real clients. Real reviews. Real coverage.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Life

Providing for Your Family

Risk Factor

Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.

Solution

Life insurance can help support a surviving spouse during his or her retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

Life Insurance 101

Make sure you cover the unique risks you face with life insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Family-Owned

We are a family-owned agency, and our goal is to make you feel like one of the family.

Clients Come First

We go the extra mile to exceed your expectations and simplify the insurance process for you.

Experienced Agents

Since 1999, we’ve worked to bring you customized coverage from each of our knowledgable agents.

Our Insurance Companies

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As an independent agency, we are here to help you find the right coverage.

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Erlanger, KY
Richmond, KY
Cincinnati, OH

We proudly serve customers in Kentucky, Ohio, Indiana, Tennessee, and Alabama.

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