Secure Your Future with
Smart, Affordable Insurance
Serving individuals, families, and businesses across North Carolina, South Carolina, and beyond.
K&M Planning is your trusted local insurance partner—serving North & South Carolina.
At K&M Planning, we remove the guesswork from choosing insurance. Based in Concord, NC and licensed in North Carolina, South Carolina, GA, TN and VA we specialize in life insurance, IUL policies, health, and dental plans.
Our mission is simple: to provide honest, affordable, and personalized coverage that protects what matters most. With hundreds of satisfied clients and a reputation for transparency, our team is here to guide you toward the right plan—without pressure or confusion.
Customer Focused
Your needs come first, always.
Value Oriented
Get only what you need, never more.
Quality Obsessed
We don’t compromise on coverage.
People Centric
Real people. Real help. Real peace of mind.
People Centric
Real people. Real help. Real peace of mind.
Our Services
Tailored Insurance Plans for What Matters Most
Let’s find the right insurance plan for your future — together.
Why Choose K&M Planning
Why Hundreds Trust K&M Planning
Fast & Easy Process
We simplify insurance so you can get covered without the stress.
Save Money
We help you find the most affordable plans — no hidden fees.
Honest & Transparent Advice
No upselling. No pressure. Just coverage that fits your life.
Locally Based, Regionally Licensed
Proudly serving families across NC, SC, GA, TN & VA from our Concord office.
Why Choose K&M Planning
Licensed in North Carolina, South Carolina, GA, TN & VA
Testimonials
Hear What Our Clients Say
I had no idea what IUL was. Now I’m confident my kids have a better future thanks to their help.
Stephen John
K&M Planning helped me find life insurance that fits my budget. I didn’t feel pushed—just guided
Daniel John
Mia T
Honest, clear, and affordable. I got dental coverage for my whole family in less than a day.
Chris L
Renee F
