Kent Bachman Insurance

Kent Bachman Insurance Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kent Bachman Insurance, Insurance Agent, 5307 Clemens Boulevard, Ames, IA.

09/03/2026

🚫 Not your grandfather’s insurance agent. 😎🔥

I’m licensed in multiple states and help people every day with:

🛡️ Life insurance that actually fits their life 💯
📈 Retirement rollovers (make that old 401(k) work harder) 💰🚀
❤️ Final expense coverage that protects their family without the stress 👨‍👩‍👧‍👦✨

I don’t do one-size-fits-all. I listen to your unique situation and build solutions that are tailored specifically to you and your goals. 🎯👂💡

No stuffy suits. No outdated advice. Just clear answers and real options that make sense in 2026. ✨🙌

Whether you’re protecting your family, planning for retirement, or making sure your loved ones aren’t left with a bill — I’ve got you. 💪❤️

Message me anytime. Let’s talk about what you actually need. 👇💬

09/02/2026

Still got an old 401(k) sitting at a former employer? 🏦

You’re not alone. A lot of people leave those accounts behind and just… forget about them. 😴

Here’s the problem:
⚠️ You have zero control over the fees they keep charging
⚠️ The investment options are usually limited and not chosen with *your* goals in mind
⚠️ If the company gets bought, changes administrators, or the plan gets terminated, your money can get stuck in limbo
⚠️ And if something happens to you, your family may have a harder time accessing it

There’s a cleaner, no-risk way to handle that old money so it’s fully under your control, protected from market drops 🛡️, and working for you instead of collecting dust (and fees) at an old job. 💰

I’ve helped a lot of people in exactly this situation move their old retirement accounts into a setup that gives them principal protection and peace of mind—without adding any new risk. ✅

If you’ve got one (or more) of these old accounts floating around, drop a comment or send me a quick message 👇
I’ll walk you through the no-risk options available to you so you can see exactly what makes sense for your situation. No pressure, no obligation—just clarity.

Your future self (and your family) will thank you. 😊



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09/01/2026

I was recently working with some existing clients to rewrite their coverage and try for a better rate. The online quote engines looked promising at first — until we moved forward and realized they weren’t accurate. ⚠️

The good news is we already have them covered. ✅ This is just one more example of why I don’t trust those quote engines.

You enter health conditions and medications, get a decent quote, then start the application and things change. The AI often can’t tell when a medication has dual uses. 🤖 It sees the drug, ignores the context, and denies coverage or spikes the rate.

Most people don’t know how to appeal that. You’re left with a denial and no one to talk to. 😕

An agent can actually speak with underwriters, explain your full situation, and get you into the right product from the start because they understand your health history better than any algorithm. 🗣️

Online works fine for simple cases. When medications are involved, a real person who can advocate for you often makes the difference between coverage and a rejection.

08/18/2026

🚨 Myth Busted: “Life insurance companies never pay claims!” 😱

Nope! ✅ Top life insurers actually pay out **97–99%** of all claims. 💪💰

The rare denials usually happen for two main reasons:
1️⃣ **Missing or incorrect info** on the original application (like not disclosing a serious health condition, smoking, or high-risk job) — especially if it comes out in the first 2 years (the contestability period).
2️⃣ **Specific policy exclusions**, such as su***de within the first 1–2 years, death while committing a crime, or certain extreme activities that weren’t covered.

As long as you’re honest on the application and the claim falls within the policy terms, the payout almost always goes through.

Don’t let the myth stop you from protecting your family! 👨‍👩‍👧‍👦❤️🛡️

08/14/2026

**Medicare Open Enrollment is almost here!** 🗓️✨

As someone who’s worked with Medicare for over 20 years, I want to share an important reminder:

**No one is allowed to contact you about Medicare unsolicited** — except your existing agent. This is a Medicare rule designed to protect you. 🛡️📵

When my own mother was alive, people still tried to contact her unsolicited even though I was her agent. It was frustrating and unnecessary. 😤💔

Please protect those you love by sharing this information. Pass it along so others know their rights. ❤️📢

08/13/2026

Relying only on life insurance from work can be riskier than most people realize. ⚠️

Coverage usually ends when you leave the job (or get laid off). 🚪
The amount is often just 1–2× your salary — far less than most families actually need. 📉
You have almost no control over the policy… and many workplace plans lack living benefits, so you can’t access funds if you face a serious illness or critical health event while still alive. 🏥❌

Don’t let your family’s financial safety net depend entirely on your current employer.
Personal life insurance stays with you no matter where you work. 💪🛡️

Worth thinking about. 💭

One of the benefits of a home office during summer break is that sometimes you get and adorable surprise when you open t...
08/13/2026

One of the benefits of a home office during summer break is that sometimes you get and adorable surprise when you open the door.

08/12/2026

I just received my season tickets. I am selling the pairs for the Sept 5th Northern Illinois game $80 for that pair. Iowa State $450 for that pair. If interested send me a message.

08/11/2026

You’ve probably seen the ads or heard the strong opinions: “I hate annuities… and you should too.” 😠

The challenge is that “annuity” is a broad term covering very different insurance products, and not all of them share the same features or drawbacks. 🤔

**As a licensed insurance agent, I don’t require high net worth or large account minimums.**
I’m happy to provide general information to people at different stages — no one is turned away based on account size. 🙌

**Variable annuities** typically involve market-linked sub-accounts and can come with higher ongoing fees and market risk.

**Fixed indexed annuities**, on the other hand, are insurance contracts that generally offer:
- Principal protection from market losses (most include a 0% floor) 🛡️
- Interest credits linked to a market index (subject to caps, participation rates, or spreads)
- Often no explicit annual fees on the base contract
- Tax-deferred growth and optional lifetime income features ✅

Like any insurance product, fixed indexed annuities have limitations — including restricted upside potential, surrender periods, and contract complexity. Understanding these differences can help clear up some of the confusion created by broad statements about “annuities.”

I’m here to explain how these types of insurance contracts generally work, including common features and important considerations.

This is educational information only and is not a recommendation, offer, or personalized advice. Annuities are insurance products. Features, benefits, limitations, and costs vary by contract and issuing company. Always read the full contract carefully and consider your individual goals and circumstances.

Feel free to message me if you’d like general information. 👍
*Licensed Insurance Agent Kent Bachman | [License # 8599291]

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07/30/2026

**Just had to share about my John Hancock Vitality Life Insurance!** 🏃‍♂️🍎

I actually have this policy, and it’s been awesome. It rewards me for everyday healthy habits — walking, working out, eating better, and staying on top of check-ups. I’ve earned **countless gift cards**, had my **Amazon Prime paid for**, received **premium rebates**, and scored **discounts on athletic shoes** — all just for living healthier!

The points add up to higher status levels that bring real savings and perks. It’s life insurance that protects my family **and** pays me back for taking care of myself.

Highly recommend checking it out if you’re looking for something different. Who else is turning healthy habits into rewards? 💪

Address

5307 Clemens Boulevard
Ames, IA
50014

Telephone

+15152036469

Website

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