Melissa Kimball: Trusted New York Life Insurance Agent
Address:
11410 General Jeb Stuart Lane, Virginia, United States
Description:
Biography of Melissa Kimball: Trusted New York Life Insurance Agent
Melissa Kimball is a dedicated Registered Representative and Insurance Agent with New York Life, serving clients in Culpeper, Virginia, and surrounding areas. With a passion for helping individuals and families secure their financial futures, Melissa specializes in life insurance, disability insurance, and comprehensive financial planning. Operating from her office at 11410 General Jeb Stuart Lane, Culpeper, VA 22701, she combines her extensive experience, personalized approach, and the backing of New York Life’s trusted solutions to deliver peace of mind to her clients. Contact Melissa today at makimball@ft.newyorklife.com (mailto:makimball@ft.newyorklife.com) or 703-343-0811 to start planning for your future.
Early Life and Education
Melissa Kimball’s journey to becoming a respected financial professional began with a strong foundation in education and a commitment to helping others. She earned a Bachelor of Arts in Business Economics, equipping her with a deep understanding of financial principles and economic trends. Her academic background laid the groundwork for her ability to navigate complex financial landscapes and provide sound advice to her clients.
Before entering the insurance industry, Melissa spent seven years as a math teacher, where she developed exceptional skills in communication, problem-solving, and education. Her experience in the classroom honed her ability to break down complex concepts into clear, actionable steps—a skill she now applies when guiding clients through insurance and financial planning decisions. Her early career in accounting further sharpened her analytical expertise, making her uniquely qualified to address diverse financial needs.
Melissa’s transition to New York Life allowed her to continue her role as an educator, but in the realm of financial security. She pursued specialized training through New York Life’s rigorous programs, earning certifications to offer life insurance, disability insurance, annuities, and long-term care solutions. Her commitment to ongoing professional development ensures she stays current with industry trends and regulations, providing clients with the most relevant and effective strategies.
Career History
Melissa Kimball’s career with New York Life began with a desire to make a meaningful impact on her clients’ lives. As a Registered Representative and Insurance Agent, she serves Culpeper, Virginia, and the broader Northern Virginia region, helping individuals, families, and business owners protect their assets and achieve their financial goals. Backed by New York Life, one of the nation’s most trusted insurance providers, Melissa offers a wide range of products and services tailored to each client’s unique needs.
Before joining New York Life, Melissa’s diverse professional background included roles in education and accounting. Her seven years as a math teacher gave her a unique perspective on the importance of planning and preparation, while her accounting experience provided her with a keen eye for financial detail. These skills have proven invaluable in her current role, where she helps clients navigate the complexities of insurance and retirement planning with confidence and clarity.
Melissa’s approach is rooted in collaboration and trust. She believes that financial planning is a long-term partnership, and she is committed to being there for her clients as their needs evolve. Whether assisting a young family with life insurance or helping a retiree plan for long-term care, Melissa’s personalized strategies and dedication to client success have earned her a reputation as a reliable and compassionate advisor in Culpeper.
Product and Service Offerings
Melissa Kimball offers a comprehensive suite of insurance and financial planning services designed to protect and build her clients’ futures. Her offerings, backed by New York Life’s industry-leading products, include:
Life Insurance
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Term Life Insurance: Affordable coverage for a specific period, ideal for families, young professionals, and those with temporary financial obligations.
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Whole Life Insurance: Permanent coverage with guaranteed premiums and cash value accumulation, providing lifelong protection and a savings component.
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Universal Life Insurance: Flexible coverage that allows clients to adjust premiums and benefits to suit changing financial needs.
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Custom Life Insurance Plans: Tailored solutions to address unique goals, such as estate planning, wealth transfer, or business succession.
Disability Insurance
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Individual Disability Income Insurance: Protects clients’ income in the event of a disability, ensuring financial stability during unexpected health challenges.
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Business Overhead Expense Insurance: Covers business expenses for small business owners who become disabled, helping keep operations running smoothly.
Additional Financial Solutions
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Long-Term Care Insurance: Plans to cover the costs of extended care, such as nursing homes or in-home assistance, preserving clients’ savings and dignity.
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Annuities: Tax-deferred growth solutions to provide guaranteed income in retirement, helping clients achieve financial independence.
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Retirement Planning: Strategies to maximize savings, minimize taxes, and ensure a secure retirement, including IRAs and 401(k) rollovers.
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Tax-Free Growth Solutions: Products designed to optimize wealth accumulation while minimizing tax liabilities, such as Roth IRAs and certain life insurance policies.
Melissa’s services extend beyond product offerings to include one-on-one financial guidance. She works closely with clients to assess their current financial situation, identify goals, and develop customized strategies that evolve with their needs. Her holistic approach ensures that every aspect of a client’s financial plan—protection, growth, and legacy—is addressed with care and precision.
Value Proposition
Melissa Kimball stands out in the competitive insurance and financial planning industry due to her unique value proposition:
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Personalized Approach: Melissa believes every client is unique. She takes the time to understand each client’s goals, challenges, and aspirations, crafting tailored solutions that align with their vision for the future.
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Trusted Expertise: With a background in business economics, accounting, and education, Melissa brings a wealth of knowledge to her role. Her training with New York Life ensures she delivers cutting-edge solutions backed by a company with over 175 years of stability.
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Long-Term Partnership: Melissa is committed to being a lifelong resource for her clients. She regularly reviews and updates financial plans to reflect life changes, such as marriage, parenthood, or retirement, ensuring continued relevance and effectiveness.
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Community Focus: As a Culpeper resident, Melissa is deeply invested in the local community. She understands the financial needs and priorities of Virginia families and businesses, offering solutions that resonate with the region’s values.
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Client Education: Drawing on her teaching experience, Melissa empowers clients with clear, jargon-free explanations of their options. Her goal is to help clients make informed decisions with confidence.
Community Involvement and Commitment
Melissa Kimball is not only a financial professional but also an active member of the Culpeper community. She is passionate about supporting local initiatives and giving back to the area she calls home. Through her affiliation with the Culpeper Chamber of Commerce, Melissa engages with local businesses and residents, offering financial education workshops and resources to promote economic stability. Her involvement reflects her belief that a strong community is built on shared knowledge and mutual support.
Melissa also volunteers her time to help families in need, providing pro bono financial consultations to those facing unexpected challenges. Her commitment to education extends to her community work, where she strives to raise awareness about the importance of life and disability insurance in protecting loved ones and securing financial futures.
Why Choose Melissa Kimball and New York Life?
For individuals and families in Culpeper, Virginia, seeking trusted guidance for life insurance, disability insurance, and financial planning, Melissa Kimball is the ideal partner. Her combination of professional expertise, personalized service, and community dedication makes her a standout choice. Backed by New York Life’s comprehensive solutions and financial strength, Melissa offers the tools and support clients need to protect their families, grow their wealth, and plan for a secure future.
To schedule a complimentary consultation or request more information, contact Melissa Kimball at makimball@ft.newyorklife.com (mailto:makimball@ft.newyorklife.com) or call 703-343-0811.
