Easy & Accessible

Benefits and Supplemental Insurance for individuals, families and employers


Protecting You

& Your Family

When a medical occurrence or accident happens, the last thing you should be worried about is the financial impact. That’s where KBC comes in; we work hard to educate, simplify the options, and service our clients to protect their quality of life and secure their incomes.

At Krump Benefit Consulting, we will help identify gaps in your benefits and healthcare coverage so that you can make the best decision about supplemental insurance for you, your family and employees. We offer a wide range of supplemental insurance plans, including Medigap and Medicare Advantage, disability and life insurance.


What Clients Are Saying

“We cannot express our appreciation enough for the assistance Deb Krump has provided our family during this difficult time. When our daughter was injured suddenly in an automobile accident, we did not know where to turn. Without question, Deb came to the hospital with the paperwork necessary for our coverage to kick in. She explained everything and made it much less complicated. It wasn’t long until we received a check in the bank. We always wondered if supplemental insurance was worth it and all I can say now is YES!”

- Becky & Mark Linn

“Deb has done a great job with my Cancer claim. Whenever I call, she is there to answer my questions. She also has informed me of all the paperwork I need to turn in and even when to expect payment in my account. I have to say, when my husband retired, we strongly thought about dropping AFLAC due to the billing charge. But because of how well Deb handled our account, we decided to keep it. Thank you Deb for taking care of our family.”

- Leslie Schermerhorn

What is

Supplemental Insurance?

Supplemental insurance is additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular health insurance does not cover. It is not intended to stand alone nor replace your regular health insurance. Think of it as a turbo booster for your health insurance.

Some supplemental insurance plans will pay for out-of-pocket medical expenses, such as deductibles, copayments, and coinsurance. Other supplemental plans may provide you with a cash benefit paid out over a period of time or given to you in one lump sum. The cash can be used to cover lost wages, transportation related to your health condition, or used topay for food, medication, and other unexpected expenses you have due to an illness or injury.


Experiencing these challenges?

we can help.

Are you and your family...

  • Concerned about your family history of disease?
  • Covered by a high deductible plan?
  • Lacking vision and dental, or other benefits?
  • Working in the manufacturing or construction industries?
  • Turning 65 years old this year?

Is your business...

  • Looking for a competitive advantage?
  • Needing to strengthen your benefits package?
  • Having trouble attracting and/or retaining employees?
  • Wanting to improve employees’ focus and job satisfaction?
  • Needing to reduce loss from lack of productivity?

Krump Benefit Consulting

Deborah Krump

1407 33rd Street South
Ste 109
St Cloud, MN 56301

CELL 320.267.8138
OFFICE 320.217.6040
FAX 320.217.6041

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Krump Benefit Consulting