Insurance is complicated. We believe getting help with it shouldn't be.
Knows Insurance was built around a simple idea: you shouldn't have to become an insurance expert just to make a good decision.
We believe people deserve clear answers, personalized guidance, and a real person in their corner.
Insurance shouldn't feel impossible to understand.
Insurance affects some of the most important parts of your life — your health, your family, your income, and your business. Yet understanding it can sometimes feel like learning another language.
Plans. Networks. Deductibles. Premiums. Exclusions. Fine print. It can be difficult to know what's important, what isn't, and what you should actually be looking for.
That's where Knows Insurance comes in. We do the homework, explain the options clearly, and help you understand the differences so you can make decisions with confidence.
We're not here to make insurance more complicated. We're here to make it easier.
Hi, I'm Nikita.
I know insurance so you don't have to.
I'm the founder of Knows Insurance and a licensed insurance advisor who believes insurance should feel more like a conversation than a transaction.
I've seen how overwhelming it can be to figure out what coverage you actually need especially when every person's situation is different. That's why I built Knows Insurance around education first.
I don't believe in handing someone a stack of plans and telling them to figure it out. I believe in listening first, asking the right questions, explaining the options, and helping people understand what they're actually choosing.
Whether I'm helping an individual find health coverage, guiding a family through their options, helping someone navigate Medicare, or working with a business owner on employee benefits, the goal is the same: make insurance easier to understand so you can make a decision you feel good about.
Insurance is what I do. Helping people understand it is why I do it.
Insurance should work for people not overwhelm them.
The insurance industry can make it easy to focus on policies, products, and paperwork. We focus on people first.
Clarity
No insurance jargon required. We explain coverage, costs, networks, limitations, and the details that matter in language you can actually understand.
Personalized Guidance
Your coverage should fit your situation. Your health, family, budget, business, and priorities aren't the same as everyone else's. Your coverage shouldn't be either.
Education First
We explain before we recommend. Our job is to give you the information you need to make an informed decision not pressure you into one.
Ongoing Support
Our relationship doesn't end when you enroll. Questions come up. Life changes. Businesses grow. We're here when you need us.
Real people. Real guidance.
Knows Insurance is backed by a team of licensed advisors and client-care professionals who share one goal: make insurance easier to understand and easier to navigate.
Nikita Shilay
Nikita founded Nikita Knows Insurance with one goal: to make health insurance simple and approachable. Known for her personal touch, she goes beyond selling policie she educates, empowers, and advocates for her clients. From helping small businesses save money to guiding families through ACA enrollment, Nikita's passion is making sure every client feels confident and cared for.
Walter Toper
Walter has nearly 10 years of experience in the health insurance industry, helping individuals, families, and businesses find coverage that fits their needs. He specializes in complex and hard-to-solve insurance situations, bringing a patient, solutions-focused approach to cases that require extra attention and careful guidance. Walter's goal is to make even difficult insurance decisions easier to understand and navigate.
Anna Taylor
Anna is the heartbeat of our customer support team. With a background in client relations, she's known for her constant communication and compassionate guidance. Anna ensures clients feel supported before, during, and after enrollment no question is too small.
Michael "Mike" Harris
Mike brings over a decade of experience in health benefits and small business coverage. He's passionate about helping business owners find affordable group plans that protect both employees and profits. His in-depth knowledge and no-pressure approach make him a trusted advisor for clients seeking straightforward solutions.
Robert "Bob" Mitchell
With over 15 years of experience, Bob is our go-to advisor for large employer group health plans. He has helped companies across industries design comprehensive benefits packages that attract and retain top talent while keeping costs under control. Bob's depth of knowledge and professional demeanor make him a trusted partner for executives and HR leaders alike.
Linda Perez
Linda has been guiding seniors and retirees through Medicare for over 5 years. With a compassionate, education-first approach, she helps clients understand Medicare Advantage, Medigap, and prescription drug plans so they feel secure and confident in retirement. Linda prides herself on simplifying a complex system into clear, actionable guidance.
Daniel Kim
As our life insurance advisor, Daniel has spent the past 3 years helping individuals and families protect their financial futures. From term to whole life coverage, he ensures clients have the right safety net in place for their loved ones. His approachable style and dedication to client education make planning for life's "what-ifs" a little easier.
Coverage for Where Life Takes You
Your insurance needs change as life changes. Whether you're protecting your family, planning for healthcare, or building a business, we help you find coverage that fits your situation.
Licensed Nationwide
Individuals, Families & Businesses
Health • Medicare • Life • Employee Benefits
Personalized Guidance
It's better when you have someone in your corner.
Clear guidance, thoughtful recommendations, and support you can count on when your coverage matters most.
You don't have to figure it out alone.
Whether you're looking for coverage for yourself, your family, or your business, we're here to help you understand your options and decide what makes sense.
You don't have to know insurance. We do.