Kennith Mercado "KJ"

Independent Aflac Associate

KJ Insurance & Financial Services

American Family Life Assurance Company of Columbus
Betsy Layne, Kentucky | Insurance and Financial Services
Text "KennithMercado" to 36260 to get my app on your phone

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Coverage is underwritten by American Family Life Assurance Company of Columbus. In New York, coverage is underwritten by American Family Life Assurance Company of New York.

Kennith Mercado "KJ"

Independent Aflac Associate

KJ Insurance & Financial Services

American Family Life Assurance Company of Columbus
Betsy Layne, Kentucky | Insurance and Financial Services
Text "KennithMercado" to 36260 to get my app on your phone

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Rates Disclosure

Interest rates and APRs are based on current market rates, are for informational purposes only, are subject to change without notice and may be subject to pricing add-ons related to property type, loan amount, loan-to-value, credit score and other variables - call for details. This is not a credit decision or a commitment to lend.  Mortgage insurance may be required. If mortgage insurance is required, the mortgage insurance premium could increase the APR and the monthly mortgage payment. Additional loan programs may be available. APR (annual percentage rate) reflects the effective cost of your loan on a yearly basis, taking into account such items as interest, most closing costs, discount points (also referred to as "points"), and loan-origination fees. One point is 1% of the mortgage amount (e.g., $1,000 on a $100,000 loan). Your monthly payment is not based on APR, but instead on the interest rate on your Note. Adjustable Rate Mortgage (ARM) rates assume no increase in the financial index after the initial fixed period. ARM rates and monthly payments are subject to increase after the fixed period.

Rates and APRs also assume owner occupied Single family residences with an 80 loan-to-value (20% Down payment).  Discount point have varied and can be found on www.freddiemac.com.  These mortgage averages are for loans in 1st Lien Position.  The historical Freddie Mac PMMS® data is provided "as is," with no warranties of any kind, express or implied, including, but not limited to, warranties of accuracy or implied warranties of merchantability or fitness for a particular purpose. Use of the data is at the user's sole risk. In no event will the advertiser on this app or Freddie Mac be liable for any damages arising out of or related to the data, including, but not limited to direct, indirect, incidental, special, consequential, or punitive damages, whether under a contract, tort, or any other theory of liability, even if Freddie Mac is aware of the possibility of such damages.

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Gratitude for my services comes in the form of Hugs, Smiles and Excitement from my clients. Why? I’d like to think it’s because they like me and/or that I share the same passions as they do when it comes to protecting their family and hard earned assets. More likely it’s due to my services helping them save money, find peace of mind for the unknown or because I helped give them financial relief in the form of cash when they needed it most. Whatever the reason my business has found great success in all of these areas and more. As an independent business owner and insurance professional, I actually pride myself on not being the average insurance agent but instead becoming a partner in my client’s financial security. It starts with the fact that I represent and work with the best insurance icon ever, the one and only Aflac Duck! I love confidently telling my clients about how Aflac is positioned to be a great asset for families and business owners alike in the wake of health insurance uncertainty. On a daily basis, I get to help file claims and show business owners how reduce their cost, protect their employee’s financial well-being and meet the Health Care Reform challenges head-on. Let’s face it, our health insurance is paying less and asking us to pay more. Not to mention leaving us out in the cold for out of pocket daily expenses if we get sick or injured. These are reasons why Aflac has become such an integral part of my business. In addition to independently representing Aflac and being certified through the State of Kentucky’s “KYNECT” healthcare exchange, I am still an all around insurance guy. So I'm not the average Aflac agent either, My agency has affiliations with Hatton-Allen Insurance in Prestonsburg and Commonwealth Insurance Group operating nationwide. Therefore, I offer all types of insurance including Auto, Home, Commercial, Life and Health Insurance with an specialty emphasis on Supplemental Financial Protection & Employee Benefits.

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You are going to a 3rd party website and there is NO WARRANTY, expressed or implied, for the accuracy of this information or its applicability to your financial situation. Please consult your insurance consultant.

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Kennith Mercado "KJ"

Independent Aflac Associate

KJ Insurance & Financial Services

American Family Life Assurance Company of Columbus
Betsy Layne, Kentucky | Insurance and Financial Services
Text "KennithMercado" to 36260 to get my app on your phone

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