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*As the owner of Kolkman Group Financial I have over 30 years of experience in the life and health insurance business
* Formal education from Indiana University, Bloomington in Finance and Economics
* My background includes small as well as large agency experience, giving me a well rounded approach
* Licensed in Indiana, Ohio, Tennessee and Massachusetts
* Certified "Fresh Start" smoking cessation facilitator
* Heavily invested in technology, information and compliance to maintain edge
* I am an independent agent, not captive. I work for the client, not the insurance company
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