25 Years Of Insurance Experience

Access To Major Carriers

In-person Guidance

Two Office Locations

Home Visits

Personal Assistance From Kurt And Joanne

Making Complicated Insurance Choices Simple

Help Provided At No Cost To The Client

Your Trusted Insurance Agent in Clinton Township, Michigan

Kurt Delfin has spent 25 years helping Michigan seniors find Medicare and insurance coverage that actually fits their lives and their budgets.

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Access To All Top Carriers And Very Knowledgeable 

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25 Years In The Business

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In-person Assistance And Makes The Process Simple And Accessible

25 Years Of Insurance Experience
Access To Major Carriers
In-person Guidance
Two Office Locations
Home Visits
Personal Assistance From Kurt And Joanne
Making Complicated Insurance Choices Simple
Help Provided At No Cost To The Client
25 Years Of Insurance Experience
Access To Major Carriers
In-person Guidance
Two Office Locations
Home Visits
Personal Assistance From Kurt And Joanne
Making Complicated Insurance Choices Simple
Help Provided At No Cost To The Client
25 Years Of Insurance Experience
Access To Major Carriers
In-person Guidance
Two Office Locations
Home Visits
Personal Assistance From Kurt And Joanne
Making Complicated Insurance Choices Simple
Help Provided At No Cost To The Client
25 Years Of Insurance Experience
Access To Major Carriers
In-person Guidance
Two Office Locations
Home Visits
Personal Assistance From Kurt And Joanne
Making Complicated Insurance Choices Simple
Help Provided At No Cost To The Client
Why Coverage With Kurt
A Local Insurance Advisor Who Shops the Whole Market for You

Most insurance agents work for a single carrier, which means they can only offer you what that one company sells. As an independent insurance broker, Kurt Delfin works differently. He has access to top carriers across Michigan, including Blue Cross Blue Shield, Aetna, HAP, Humana, Priority Health, UnitedHealthcare, and Wellcare, so he can compare plans side by side and find the one that fits your specific situation. If you are tired of aggressive sales calls and confusing jargon, Coverage With Kurt offers something different: a calm, knowledgeable local advisor who takes the time to explain what your options actually mean.

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Kurt Delfin: A Trusted Insurance Advisor Near You
25 YEARS OF MICHIGAN INSURANCE EXPERTISE
Kurt Delfin: A Trusted Insurance Advisor Near You

Kurt's 25-year tenure in the Michigan insurance market means he has guided clients through countless plan changes, federal regulation shifts, and enrollment cycles. He knows where seniors get confused, and he knows how to cut through the noise. His approach is plain-language and personal, explaining complex coverage in terms that make sense so you can make a confident decision without second-guessing yourself.

What Sets Us Apart
The Broker Advantage: Shopping the Market for Your Best Fit

As an independent broker, Kurt is not limited to one carrier's lineup. He shops across the full Michigan market to find the plan that fits your doctors, your budget, and your coverage needs.

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Independent Broker Access
Kurt works with all top Michigan carriers, so he can compare plans across the market rather than pushing a single company's products.
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25 Years of Local Experience
Two and a half decades in Michigan insurance means Kurt has seen the regulations change, the carriers come and go, and the enrollment seasons repeat. That depth of experience protects you from costly mistakes.
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Face-to-Face Service
Kurt meets clients in person at the Clinton Township or Farmington Hills offices, or comes to you at home. Coverage conversations happen over coffee, not over a phone queue.
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Plain-Language Guidance
Medicare, Medigap, Part D, Advantage plans: Kurt explains every option in clear, straightforward terms so you understand exactly what you are choosing and why.
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Priority Health
Joanne Sumiec handles operations and is your first point of contact. From your first call to your annual review, you are dealing with real, named people who know your file.
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Two Michigan Office Locations
With offices in both Clinton Township and Farmington Hills, Coverage With Kurt provides accessible, local support across the region, backed by the stability of a 25-year practice.
Insurance Plans
Coverage for Every Stage of Life, Right Here in Michigan

From Medicare to life insurance, Coverage With Kurt provides personal guidance across a full range of insurance products. Kurt shops top Michigan carriers to match each client with the right plan at the right price.

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Smiling man in a blue patterned blazer and light blue shirt against a white background
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Medicare Insurance
Reviewing Medicare options can feel overwhelming, but it does not have to be. Kurt helps you compare plans so you can choose coverage that works for your healthcare needs and your wallet.
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Health Insurance
Personal guidance to compare plan options and enroll in coverage that fits your needs and budget, whether you are under 65 or looking for a plan outside of Medicare.
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Dental Insurance
Options to help cover routine care and unexpected dental costs, matched to your budget so you are not caught off guard by a bill.
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Vision Insurance
Plans to help with eye exams, glasses, or contacts, selected to fit your needs and price point without unnecessary extras.
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Supplemental Insurance
Add-on coverage to help with gaps and out-of-pocket costs so you are better protected when unexpected medical expenses come up.
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Life Insurance
Support choosing term, whole, universal, or final expense coverage aligned with your family's needs and finances, explained clearly so you can decide with confidence.
Real Voices from Michigan
What People Are Saying About Coverage With Kurt

I’d love to hear about your experience working with Coverage With Kurt! Your feedback helps me keep improving, and it helps others in Michigan feel confident choosing a local, independent broker instead of confusing, aggressive sales calls. If I made the insurance process clearer and helped you find the right plan, I’d truly appreciate you taking a moment to share your thoughts. Your review means a great deal to me and plays a vital role in supporting my local business. Thank you for trusting me with your coverage!

Common Questions, Straight Answers
Frequently Asked Questions About Coverage With Kurt

  • What makes Coverage With Kurt different from calling a national insurance company directly?

    Kurt Delfin is an independent broker, which means he is not tied to any single carrier. Instead of presenting one company's lineup, he shops across top Michigan carriers, including Blue Cross Blue Shield, Aetna, HAP, Humana, Priority Health, UnitedHealthcare, and Wellcare, to find the plan that fits your specific doctors, prescriptions, and budget. National carriers can only sell their own products. Kurt's job is to find your best fit across the whole market.

  • Does Kurt meet with clients in person, or is everything handled remotely?

    Kurt strongly prefers face-to-face meetings. He has two physical Michigan offices, one in Clinton Township and one in Farmington Hills, and he is also available for home visits. His approach is built around sitting down together over a cup of coffee and walking through your options the old-fashioned way. For seniors who are tired of impersonal phone calls and automated systems, this in-person model is a key part of what Coverage With Kurt offers.

  • I am turning 65 soon. When should I start thinking about Medicare?

    It is generally a good idea to start reviewing your Medicare options a few months before your 65th birthday. There are specific enrollment windows, and missing them can result in late-enrollment penalties. Kurt specializes in working with clients who are approaching Medicare eligibility for the first time and walks through the timing, plan types, and carrier options in plain language so you can enroll with confidence rather than guesswork.

  • What types of insurance does Coverage With Kurt help with beyond Medicare?

    In addition to Medicare, Kurt provides guidance on health insurance for those under 65, dental insurance, vision insurance, supplemental insurance for out-of-pocket gaps, and life insurance including term, whole, universal, and final expense coverage. Each of these is treated as its own area of focus so clients get clear, specific guidance rather than a generic overview.

  • How long has Kurt Delfin been a licensed insurance agent in Michigan?

    Kurt has been a licensed insurance agent in Michigan for 25 years, holding License #7460288. That length of experience means he has guided clients through many enrollment cycles, federal regulation changes, and carrier updates. For seniors who worry about making the wrong coverage choice, Kurt's tenure provides meaningful reassurance that he has seen these situations before and knows how to handle them.

  • What are the office hours for Coverage With Kurt?

    The team is available Monday through Saturday from 7:00 AM to 7:00 PM. The office is closed on Sundays. These hours are designed to make it easy for clients to reach Kurt or Joanne at a time that fits their schedule, including early mornings and Saturdays.

  • Who is Joanne Sumiec and what does she do at Coverage With Kurt?

    Joanne Sumiec is the operational lead at Coverage With Kurt and is typically the first person you will speak with when you reach out. She handles scheduling, coordination, and day-to-day operations, ensuring that every client interaction is smooth and that Kurt has everything he needs to provide the best guidance possible. Her presence as a named, accountable team member is part of what makes Coverage With Kurt feel different from larger, more impersonal insurance operations.

  • Will I be asked to provide my doctor's name or prescription list through the website?

    No. Standard web forms at Coverage With Kurt are limited to basic contact information such as your name, phone number, and area of interest. Medically sensitive information like physician names, prescription details, or dental history is never collected through standard site forms. If that information is needed to help compare plans, Kurt's team will walk you through the appropriate process during your personal consultation.