SKW Insurance offering intelligent choices since 2002

Medicare

We help make retirement healthcare planning easy by putting your worries and concerns on our plate. Understanding options are paramount, my role is to help you sort through which path to take and simplify the appropriateness of each for you!

Long Term Care

With just a little preparation, planning for an unexpected illness by exploring your long term care insurance options and transferring part of this risk to an insurance company may help you keep your financial and retirement plans intact.

Life Insurance

We look at your health conditions to provide you with the best opportunity for a competitive offer for life insurance by representing a multitude of highly-rated carriers. Kay provides personalized service to ensure your life insurance selection is based on informed choices.
“Life has its challenges, planning for them doesn’t have to be. I take pride in knowing together we have created the peace of mind you and your family deserve.”  — Kay Winkler, LUTCF, CLTC
Working with an independent broker has many benefits that work in your favor because I work for YOU, the client, not the insurance companies.

Why SKW Insurance

  • We offer FREE unbiased solutions.
  • We shop ALL plans for you.
  • We have direct access to carriers and underwriters.
  • We have a genuine interest in your needs. 
  • We offer you the education and guidance you need to make informed decisions.
  • We are thorough in answering all your questions and concerns.
  • We create relationships, so we are here for you.
  • We set our standards high in delivering the customer service you deserve.

Planning At-A-glance

Life insurance
Life Insurance can:
  • buy your loved ones time to grieve.
  • pay off a mortgage, loans or debt.
  • keep families in their homes and preserve their lifestyle.
  • cover burial costs and final expenses.
  • pre-fund a child or grandchild’s education.
  • create a pool of money to use for a chronic, critical, or terminal illness.
  • build significant cash value with potential to grow tax deferred.
  • create supplemental income for retirement.
  • provide a tax free stream of income.
Long Term Care Insurance
A need for long term care can result from accidents, illness, advanced aging, stroke, or other chronic illnesses. Two of the biggest fears in retirement are outliving your money and the effects that a long term care event would have on your assets.

Plan for an unexpected illness by exploring your options and transfer part of this risk to an insurance company to help you keep your financial and retirement plans intact.
Medicare
Medicare is health insurance for:
  • Individuals age 65 or older.
  • Individuals under age 65 with certain disabilities.
  • People of any age with End-Stage Renal Disease (ESRD)—permanent kidney failure requiring dialysis or a kidney transplant.
Medicare regulations apply to different people in different ways according to their specific circumstance. We provide accurate information you need to plan, so you can avoid costly pitfalls and make confident choices.

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It's all about personal service and attention. It's rare these days to do business with someone who approaches her clients in such a personal way.  When I was about to turn 65, I was overwhelmed and confused about all the possible Medicare-related options. 

I really didn't feel like spending hours and hours doing the necessary research. Knowing that it's important doesn't always mean that one wants to spend a lot of time learning and understanding, so that's when it's time to ask an expert.

— Candy H. / Mebane, NC

Huntersville, NC
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Kay Winkler made my life so easy and the decisions I made were spot-on. In contrast, I have friends who were determined to go it alone, and they subsequently had to make changes to get it right.

Each year, when it's time to renew or change my policies, Kay fills me in on what she's learned and what changes there have been in premiums and coverage....You have no idea how wonderful it's been to work with you, [Kay] thereby eliminating fretting and worrying.

— Candy H. / Mebane, NC

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I, and those to whom I’ve referred Kay, have received tremendous benefit from working with her.

In addition to Kay’s depth of industry knowledge, she is compassionate and has the ability to meet people where they are not where she wants them to be in the learning/review process.

Always, she puts the interests of clients as a priority. When it comes to responsiveness to client requests/questions, her sense of urgency is beyond reproach.

— Anita B. / Cary, NC

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I feel confident referring Kay to anyone who is looking to have a partner with whom to work regarding their insurance needs.

Her consultation to me has saved me many hours of research and expenses.

— Anita B. / Cary, NC

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In my 10 years of working with Kay I have not encountered a more capable or hard-working Insurance Agent. She has consistently taken the initiative to identify problems and devise solutions. I wholeheartedly recommend her – without reservation.

— Michael and Sharon R. / Murrells Inlet, SC

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Kay has been such a help to us over the years. She is efficient and knows how to set up her clients with the best possible options. We especially like that she is always available when insurance decisions need to be made.

 — Phyllis and Steve H. / Fuquay Varina, NC

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Kay has provided exceptional customer service to us on several very important issues. She was always expertly prepared when we met and the information she presented was creatively tailored to our personal and financial needs.

Kay helped us select the best coverage for our money and we could not have been more pleased with the choices she helped us make. In addition, her engaging, friendly personality always made us feel very comfortable.

— Bill and Nina H. / Chapel Hill, NC

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I would like to recommend Kay Winkler.... She has helped me with my Medicare selections for a couple years and also has guided me through the part D pharmacy site. She is very patient and willing to explain any questions you might have until you can plainly understand the selections you are being offered.

I have known Kay for many years and she is reliable and trust worthy.

— Linda S. / Chapel Hill, NC

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Just wanted to drop you a note to THANK you for all your help in getting me set up on Medicare. As you found out I was totally clueless about the whole system. You could not have been more helpful and your patience and knowledge made it an easy process.

I have already used the insurance on a small operation and just as you said it was almost total taken care of except for the small Part B deductible. I think I saved about $5,000. You also helped a co-worker of mine and he loved you and your help.

— Chuck L. / Durham, NC

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We were totally confused when we were faced with which Medicare supplemental insurance plan would be best for us and you (Kay) in one short afternoon session helped us pick the right one for each of us without any pressure at all.

After days and nights of worrying, all our questions were answered, and we were signed up and ready to go. The following year, Kay again found the perfect plans for us and again, we are so happy with her help and expertise!

— Burt and Renee R. / Durham, NC

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Thanks for being a huge help with everything. You really have gone above and beyond to help me since I have been in the area, and I really appreciate you.

— Ginny B.

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If anyone needs explanation as to why one would want a broker, aka, YOU, I will witness. Thank you for all your work on my behalf.

— Mary Deb E.

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SKW Insurance is a woman-owned small business. Kay Winkler is an independent insurance broker based in the Raleigh, Durham, Chapel Hill area of North Carolina, while also currently licensed in NC, SC, and VA.