KRJ & Associates


Management Services

Insurance Services

Health Insurance 

Life Insurance

Disability Insurance

LTC Insurance & Services

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Disability Insurance

Individual, Group or Multi-Life

Income Replacement / salary continuation

Buy/Sell Agreements

Key Person

Contract Agreement

Bank Loan Indemnification

Short Term Disability / Long Term Disability (for Groups)

A Disability Insurance Plan is available for every situation, and every profession.  Our access to multiple leading carriers ensures your access to coverage.


Overhead Expense Insurance

Reimburses a business owner for fixed business expenses during a period of disability


Critical Illness Insurance

For those whose occupation may prevent access to traditional Disability Insurance