Kristen Gines
Licensed Insurance Professional
Kristen Gines is a Master Broker with Legacy Insurance and Financial Services, licensed in 14 states and specializing in Medicare, retirement planning, long-term care, final expense, life insurance, and traditional health coverage. She’s passionate about helping individuals understand their insurance options and build retirement plans with clarity, confidence, and long-term security.
Inspired by her own experience as a new mom, Kristen saw how confusing insurance and future planning can be. Now, she’s committed to guiding clients through every step, ensuring they feel informed and empowered.
Outside of work, Kristen enjoys indoor soccer, home projects, and spending time with her husband and son.
Kristen Gines
Licensed Insurance Professional
Kristen Gines is a Master Broker with Legacy Insurance and Financial Services, licensed in 14 states and specializing in Medicare, retirement planning, long-term care, final expense, life insurance, and traditional health coverage. She’s passionate about helping individuals understand their insurance options and build retirement plans with clarity, confidence, and long-term security.
Inspired by her own experience as a new mom, Kristen saw how confusing insurance and future planning can be. Now, she’s committed to guiding clients through every step, ensuring they feel informed and empowered.
Outside of work, Kristen enjoys indoor soccer, home projects, and spending time with her husband and son.
About Legacy Insurance and Financial Services
Your trusted local guide to retirement planning. No call centers, no brand reps—just me, your dedicated agent, here to help you connect the dots and claim what’s yours.
Backed by a Master Brokerage with access to hundreds of top-rated companies, I tailor strategies that optimize your retirement savings, Social Security, Medicare, and more.
Whether it’s life insurance, long-term care, veteran benefits, or debt elimination, I’m here to protect what matters most. I listen, personalize, and stay by your side—today and into your future. Let’s begin.
From Medicare to individual & family health insurance, personalize your plan.
Protect and maximize retirement savings income. Perfect Social Security strategies. Sharpen savings & eliminate debt.
Protect your loved ones. Plan your estate. Leverage the unique characteristics of life insurance for personal or business planning.
Get professional help planning for care at home or in assisted living. Protect assets, choice, dignity & relationships by planning ahead.
Are you in or approching retirement?
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Specific to Medicare Plans, We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. We do offer coverage in most states, representing over 130 organizations which offer over 300 different plans throughout the United States. Contact one of our agents to learn more about what companies and plans we represent in your area.
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