An independent brokerage, run like a standard agency

Two things sit at the center of most households' financial lives: protecting what has already been built, and building what has to last. Insurance handles the first. Life products, annuities and retirement planning handle the second. RKC Financials and Insurance Services exists because those two conversations should not be happening in separate buildings with people who never speak to each other.

We serve Claremore and Rogers County — a market that runs from established neighborhoods in town, to fast-growing subdivisions out toward Verdigris and Owasso, to acreage and shop buildings around Inola, Oologah and Chelsea, to the industrial and contracting work that comes with being twenty minutes from the Port of Catoosa and the Tulsa metro.

Who you are working with

How we work

We operate like a standard insurance agency. There is a large internal office here in Claremore, and we can meet in person or run external appointments when a situation calls for it — but the honest truth is that most everything gets done over the phone. Quotes, applications, documents, signatures: none of it requires you to take an afternoon off.

What sets the agency apart is the broker model. Rather than representing one company, we work with many carriers — Progressive, GEICO, AAA, Liberty Mutual, National General and others — so your coverage is shopped across the market and you see the options side by side.

Our specialty is commercial trucking insurance: owner-operators, small fleets, cargo, physical damage and the filings that go with them. But we genuinely do it all — personal auto and home, life insurance, business coverage, and on the financial side, retirement plans and investing.

What we actually do

• Write commercial trucking properly. Primary liability, physical damage, cargo and non-trucking liability, quoted across trucking carriers, with the filings and certificates handled.
• Read the policy you already have. Line by line, out loud, in plain English — dwelling limit, liability limit, deductibles, endorsements, exclusions. Free, and with no requirement that you change anything.
• Quote the coverage properly. Real numbers at more than one limit and deductible, with the assumptions written down so the comparison against your current policy is honest on both sides.
• Do the arithmetic on life insurance. Not a rule of thumb — your actual mortgage balance, actual debts, actual income replacement need, and what already exists.
• Talk through retirement plans and investing. What you have saved, where it sits, what it needs to do, and whether products with principal protection or guaranteed income belong in the picture.
• Stay in the file afterward. Annual reviews, and a phone call whenever a roof, a driver, a building, a job or a business changes.

How we talk about money

Financial products get sold with a great deal of language designed to sound impressive. We would rather use short words. If a product has a surrender period, you will hear the words "your money is committed for this many years." If a guarantee depends on the insurance company staying solvent, you will hear that too, along with how to look up a carrier's financial strength rating yourself.

The same applies to insurance. If raising your deductible saves you money, we will say by how much and what it would cost you at claim time. If a competitor's quote is lower because it quietly stripped out uninsured motorist coverage, we will point at the line rather than just telling you we are better.

Licensed and regulated in Oklahoma

Insurance producers in this state are licensed and regulated by the Oklahoma Insurance Department, which also operates consumer assistance, a life insurance policy locator, and a complaint process for policyholders. We point clients toward that office deliberately. A well-informed customer is easier to work with, not harder.

What we are not

We are not the cheapest number that will ever cross your phone. Anyone can go lower by removing coverage you did not notice, raising a deductible you did not read, or rating you on assumptions nobody verified. Our aim is to be the most accurate number you get, with every assumption visible.

And we are not a call center. You will deal with the same person for the auto policy, the life policy and the retirement conversation, and that person will remember your file the next time you call.