About Kim Schwenke-Cram and Roger Cram

Roger & Kim use their combined insurance experience of almost 70 years to explain the Medicare process to potential members, making it easy to understand. They understand how confusing Medicare can be for seniors. Their goal is to help potential members make an informed decision when choosing their coverage and to assist them after their decision when they need help.

They have owned Amerigroup Financial, LLC, which is an independent insurance marketing company contracted to sell a wide variety of insurance products, for well over a decade, but specialize in products for Medicare Beneficiaries, including Medicare Advantage Plans, Medicare Supplemental Insurance, and Prescription Drug Plans. Being an independent insurance agency allows them to offer the plans from the largest insurance carriers in the nation.

Roger and Kim’s insurance agency is in Madison, South Dakota and are licensed to offer Medicare related products and have licensed agents in 26 states. They started working together in 2010 and were married two years later in 2012. They joined Bridlewood Insurance in 2019.

Roger came to know Bridlewood Insurance through a rather unusual way. He grew up in the same small town in Minnesota, as Bridlewood’s President and CEO, Jeffry Wetzel.  Jeff shared with him how the Medicare field has treated him well. Roger & Kim chose to work with Bridlewood based on the way Bridlewood aligned with their goals, both personally and professionally. They were very impressed with Bridlewood’s support and their progressive training, advertising, and marketing ideas.

Kim absolutely loves her Medicare clients and considers them friends. She is one of the top UHC and Humana Medicare Agents in South Dakota. Kim says she loves educating the Senior population and truly helping them navigate the very complicated Medicare Supplement process. She likes being the person they know they can call, get a return phone call, and have their questions answered. Knowing most Seniors live on a fixed budget, she enjoys being able to offer products that can save them money, provide additional areas of coverage, and allow for more disposable income on a monthly basis.

Kim has her Paralegal associate degree. She has also owned her own insurance agency, American Family Insurance Agency, and has been a licensed insurance agent for over 30 years. Prior to insurance, she was a Mortgage Loan Officer and a Title Insurance Agent.

Kim was born and raised in Southeast Nebraska in a town of 79 people. Her entire family still lives there, while she lives in Madison, South Dakota (just north of Sioux Falls approximately 45 miles) on Lake Madison. Kim has lived in South Dakota for over 30 years. Kim has 1 son, Dylan, who lives in Chandler, Arizona with his wife, Brooklynn. Kim enjoys scrapbooking, gardening, yoga, Zumba, her “Active & Ageless” exercise classes, walking, boating, jet skiing, entertaining friends & family at the lake, 4-wheeler riding in the Black Hills of South Dakota, and riding bikes on the trails in South Dakota.

Roger has several degrees, including an associate degree in Agriculture from Mankato Vocational Technical Institute, a bachelor’s degree in Finance, and a bachelor’s degree in Insurance and Real Estate from Minnesota State University. Born and raised on a farm in Waterville, Minnesota, Roger moved to Phoenix, Arizona after graduating from college. He owned a mortgage company and a real estate agency and then moved to Madison, South Dakota in 2012.

The only professional sports Roger enjoys watching are the UFC and NASCAR. His favorite hobbies are traveling to Mexico, riding bikes on trails in the Black Hills, collecting guns, entertaining friends at their lake home, flying airplanes, trail riding with their UTV in the desert or the Black Hills, boating, riding jet skis, and anything to do with cars. He loves speed!!