Business Details
38 Years
experience
Your Trusted Insurance Partner in York, ME
Bernie & KLK Benefits & Insurance Benefits & Insurance has served the York, Maine community for over 35 years, providing comprehensive insurance solutions tailored to individual and business needs. Founded in 1988 by Bernie Lontine, our agency combines decades of industry expertise with a commitment to personalized service, offering access to major insurance carriers while maintaining local community ties. With the addition of Kimberly Lontine Kearson in 2005, we expanded our capabilities in small business insurance and voluntary worksite benefits while preserving our founding principle of no-cost assistance to clients. Our team holds prestigious industry credentials including the Life Underwriters Fellowship degree and maintains active membership in the National Ethics Association.We specialize in health, life, Medicare, home/auto, and disability insurance, serving clients through convenient weekday hours and appointment-based evening/weekend availability. Our deep roots in York are reflected through Bernie's leadership roles in local organizations like the York Kiwanis and Chamber of Commerce, as well as Kim's community involvement with Marshwood High School and Southern Maine theater groups. This combination of institutional knowledge and community commitment positions us to deliver trusted insurance guidance that reflects both regional needs and national industry standards.
Services
Health Insurance
Life Insurance
Medicare Help
Voluntary Worksite Benefits
Home/Auto Insurance
Short-Term Disability
Dental Insurance
Accident Coverage
Details
- Year established: 1988
Highlights and features
- We offer 40+ years of combined insurance expertise in the York community
- Our team includes a Life Underwriters Fellowship degree holder
- We provide personalized insurance comparisons at no cost to clients
- We maintain deep local community involvement and business ties
- We specialize in both individual and small business insurance solutions
Associations and certifications
- National Ethics Association
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals and small businesses, including marketplace plans and employer-sponsored coverage. Our experts help clients navigate options to find cost-effective plans that meet their specific medical needs while ensuring compliance with current regulations. With access to multiple carriers, we offer personalized comparisons to help clients make informed decisions about their healthcare coverage.
Medicare Help
Our agency specializes in Medicare insurance solutions, assisting seniors with Original Medicare, Advantage plans, and supplemental coverage options. We provide detailed comparisons of available plans in York County while maintaining our commitment to impartial guidance. Our team helps clients understand enrollment periods, prescription drug coverage, and long-term care options while ensuring they receive the most appropriate coverage for their healthcare needs.
Life Insurance
We offer term and permanent life insurance solutions to protect families and businesses, including final expense coverage and income replacement strategies. Our independent agency represents multiple carriers to provide competitive rates and flexible policy options. We help clients determine appropriate coverage amounts based on their financial obligations and future needs while ensuring they understand policy features and long-term commitments.
Voluntary Worksite Benefits
We design voluntary benefits programs for small businesses that enhance employee wellness without employer costs. Our solutions include accident, critical illness, and supplemental insurance options that employees can purchase through payroll deduction. We work closely with business owners to implement programs that improve employee satisfaction while maintaining compliance with applicable regulations and offering flexible participation options.
Home/Auto Insurance
We provide comprehensive property and casualty insurance for homeowners, renters, and vehicle owners throughout York County. Our agency offers competitive rates from multiple carriers while maintaining personalized service for policyholders. We help clients understand coverage options for their valuable assets, including liability protection and disaster preparedness, while ensuring they receive appropriate coverage limits based on their specific circumstances.
People
Bernie Lontine
Founder
With over 40 years in insurance, Bernie founded the agency in 1988 after starting at Metropolitan. He holds the Life Underwriters Fellowship degree and actively participates in York community organizations including the Chamber of Commerce and York Golf & Tennis.
Kimberly Lontine
Insurance Specialist
Kim has over 15 years of insurance experience, joining the agency in 2005 after a Fortune 500 career. She specializes in small business benefits and holds a University of Maine degree. She actively supports Southern Maine theater groups and Marshwood High School programs.
Questions
What types of insurance do you offer?
We offer health, life, Medicare, home/auto, dental, short-term disability, accident, and voluntary worksite benefits insurance through multiple carriers in the New England region.
Are your services free to clients?
Yes, our insurance consultation and policy comparison services are provided at no cost to clients as we receive compensation from insurance carriers.
How can I get Medicare assistance?
We provide free Medicare plan comparisons and enrollment guidance, helping clients understand their options for Original Medicare, Advantage plans, and supplemental coverage.
Do you work with small businesses?
Yes, we specialize in small business insurance solutions including group health plans and voluntary benefits programs designed to enhance employee wellness.
What are your office hours?
Our office is open Monday through Friday from 8:30 AM to 4:00 PM with evening and weekend appointments available upon request.
