An agency that meets you where you are

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.

Why we are mobile

Plenty of good agencies keep an office and expect you to come to it. That works fine for people whose schedule allows a weekday errand. It works badly for shift workers, contractors, nurses, drivers, parents with three activities a week, and anyone who has been meaning to sort out their life insurance for four years and has not found a Tuesday afternoon to do it.

Being mobile removes that friction. We come to your kitchen table, your job site or your shop, at a time that works — often evenings or weekends. If you would rather not meet in person at all, we can run the entire process over the phone with email and electronic signature. The appointment is built around your schedule instead of ours.

There is a second benefit that matters more than it sounds: when there is no storefront to pay for, the recommendation you get is not shaped by overhead. The right answer for you is sometimes a smaller policy, or keeping the coverage you already have. Those answers are easier to give honestly when the business is not built to demand otherwise.

What we actually do

• 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 income. 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.