Here to help you find what works 
for your situation

H & K Insurance Consulting is a full service consulting agency that represents businesses and families across all aspects of their insurance needs.

H & K Insurance Consulting 1 (3)

H & K Insurance Consulting in Chicago, IL strives to deliver skilled attention and exceptional service standards to their clients.

H & K Insurance Consulting is an independent Chicago-based insurance consulting agency committed to helping you achieve your financial goals. We offer a wide range of insurance products and services designed for people who want peace of mind when it comes to protecting themselves and those they love from mishaps. H&K Insurance Consulting is run by Kenneth Delott, who has been in this business for several years. He is a financial professional who has helped numerous individuals make the best financial decisions.

Our team of experts is dedicated to guiding you right from choosing the right insurance plan to the claims process. We have a strong insurance background that, combined with product knowledge, can help ensure proper management of risks along every step. We also provide quick claims handling, making us a one-of-a-kind agency. In addition, we offer a wide range of insurance options so that our clients can find what is right for them at an affordable price point.

Meet Our Team

We are experienced, reliable and professional.

H & K Insurance Consulting in Chicago, IL offers exceptional guidance from experienced professionals who prioritize clients' needs for quality service and customer care.

We've been in business since 2013

100% customer satisfaction

Knowledgeable advisors to help you

Multiple coverage options to choose from

The Advantages of Working with Us

Here are few reasons you should work with an Independent Insurance Agency

One-stop shopping experience

You will be able to find multiple companies and wide options

Easy 
Switching

Switch without hassle and find the most suitable insurance

Unbiased
 Advice

We donโ€™t represent one company and can give you multiple options to choose from

Personalized 
service

Higher quality customer care than big corporate companies

Your 
advocate

We help all the way from policy reviews to claims assistance

Click & Learn

Group Health

Cost of policy 
Employee value
Additional benefits
Family protection
Claim process

Cost of policy coverage

Risk Factors

If you buy an individual policy for a particular employee, you may end up paying a higher cost.

Solution

Group health insurance plans are always cheaper than individual or family floater health insurance plans. This is due to the shared premium amount among the employees.

Employee value Coverage

Risk Factors

If an employer fails to offer benefits to its employees, the employees donโ€™t feel valued which eventually decreases their productivity.

Solution

With group health insurance cover, the employees feel happy that the organization values them. In return, they also work hard to deliver their best and make better for all.

Additional benefits Coverage

Risk Factors

An individual health policy you buy for your employee wonโ€™t provide additional benefits.

Solution

As more people are covered under group health insurance plans, its advantages increase for the policyholders. They get a higher value with added benefits like cover for pre-existing diseases, hospitalization expenses, etc.

Family protection Coverage

Risk Factors

Purchase an individual health policy for your employee. The family members may have to buy another family floater health insurance plan and pay the premium out of their pocket.

Solution

It may depend on the policy, but group health insurance plans also often cover your family members. These plans protect the dependents of the employees by offering them financial help in a time of need.

Claim process Coverage

Risk Factors

An individual policyโ€™s claim process might take time since you may need to collect all the required documents before the claim process starts.

Solution

Instead of running around health insurance companies for a claim, all you need to do in group health insurance plans is connect with your employer with relevant bills. As a large number of employees are insured, the employer ensures that your claim request gets approved. The employees can even enjoy the cashless treatment.

Personal Possessions Coverage

Risk Factors

You mastered the basics of surfing during lessons in Hawaii but your wedding ring is stolen.

Solution

With personal possessions coverage, lost jewellery is covered up to your policy limits.

Property coverage

Risk Factors

Youโ€™ve lit several candles โ€” which unintentionally start a small fire in your apartment.

Solution

Property coverage under your renters policy may help if personal property like a sofa and a bookcase are damaged by fire.

Insurance Companies

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Clients Testimonial

Ken has been my insurance consultant for the last 10 years, and has always been informative, superior with his knowledge and service in helping me choose the best plan for my family. I highly recommedn H&K Insurance Consulting to anyone seeking guidance for the best insurance. H&K Insurance Consulting has exceeded my expectations and always can rely on Ken.
-Athanasia Mourgelas

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News & Blog

Latest Insight, Insurance Trends

April 7, 2025
When Should You Buy? The Ideal Age to Invest in Long-Term Care Insurance!

Long-term care insurance assists in covering future service costs. These services include daily living tasks like bathing, dressing or eating, either at home or in a facility. In the United States, such care can be very expensive and usually not covered by standard health insurance. Knowing the best time to buy long-term care insurance can […]

Read More
April 5, 2025
How to Pick the Right Disability Insurance for Your Lifestyle!

Many people rely on one single source, like their jobs, to cover daily living costs like rent, groceries, and utilities. If an unexpected disability stops you from earning a paycheck, the right insurance policy can help keep you financially stable while you recover.  Identify Your Budget and Essential Expenses Before you shop for disability insurance, […]

Read More
April 3, 2025
Final Expense vs. Life Insurance: Whatโ€™s the Difference?

Preparing for your familyโ€™s financial future, itโ€™s one of the most caring steps you can take. Making sure your loved ones wonโ€™t struggle with expenses or debt in your absence can bring you peace of mind and help them focus on healing when the time comes. Two popular options for this kind of protection are […]

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Contact H & K Insurance Consulting

At H & K Insurance Consulting, located in Chicago, IL, we are an independent consulting agency dedicated to assisting you in finding the ideal coverage for your needs.
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Get Professional Consultation

(847) 574-5868
2314 Lincoln Park 19s Chicago, IL 60614 USA

Chicago, IL

We provide consultancy to individuals and businesses in Chicago, IL and surrounding areas.

H & K Insurance Consulting

We provide consultancy to individuals and businesses in Chicago, IL and surrounding areas.
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