I began my career in insurance in 1993, initially focusing on life insurance and annuities. Over time, I discovered my true passion for employee benefits and individual health plans, which led me to pivot and focus on helping people navigate these important areas of their lives.

In 2001, my husband, Bob, and I opened our agency together. Bob primarily works in the senior market, life insurance, and annuities, which has allowed me to concentrate on assisting small and large employer groups. I enjoy the challenge of keeping up with the ever-evolving insurance landscape and helping clients make informed decisions that best serve their needs.

My approach has always been grounded in treating others the way I would want to be treated. To me, insurance isn’t about selling products – it’s about listening to each client’s unique situation and providing thoughtful, tailored solutions that work for individuals, families, and businesses alike.

Outside of work, I am a yoga instructor and enjoy spending time with my husband and our three adorable Yorkies. Whether through my work or my personal life, I strive to bring a sense of calm, care, and understanding to everything I do.

About Charlotte

“We have worked with Charlotte and her team since we started our business.  They are a pleasure to work with and their friendly and knowledgeable team always point us in the right direction. It’s rare these days to have the trust that we have with Kluge insurance.  I wouldn’t think of going anywhere else for our insurance needs and advice”. 

Tiffany Radel
Office Manager
Susquehanna Trail Animal Hospital