Craft & Kraus INSURANCE PARTNERS
Independent Insurance Partners

Coverage worth building carefully.

Craft & Kraus helps families protect their income, their savings, and the people they love — with annuities, life insurance, and final expense coverage matched to your goals, not a single carrier's catalog.

Start the conversation → Explore coverage

Serving South Carolina, North Carolina, Georgia & Tennessee

Independent & unbiased Licensed professionals Multiple national carriers No pressure, ever
What we help with

Protection for every stage of life

Whether you're safeguarding retirement savings or making sure your family is covered, we'll walk you through the options in plain English.

Retirement income

Annuities

Turn savings into income you can't outlive. An annuity can shield part of a nest egg from market drops and create predictable, lifelong income — so retirement runs on a paycheck, not a hope.

Guarantees rely on the claims-paying ability of the issuing insurance company.
Peace of mind

Final Expense

A smaller whole-life policy built to cover funeral, burial, and end-of-life costs — so your family is never handed the bill. Simple to qualify for, with a premium that never rises.

Protect & grow

Indexed Universal Life

Permanent coverage with cash value that can grow tied to a market index, with a floor that guards against index losses. Flexible protection plus tax-advantaged accumulation.

Index-linked crediting is subject to caps and limits set by the insurer.
Affordable coverage

Term Life

The most affordable way to cover big obligations for a set period — a mortgage, your income years, kids through college. High coverage, low monthly cost.

Lifelong protection

Whole Life

Permanent coverage that never expires and builds guaranteed cash value over time. Steady, predictable protection with a built-in savings component.

Start here

Not sure what you need?

That's the most common place to begin. Tell us about your situation and we'll point you in the right direction — no obligation.

Ask a question →
How we work

Three unhurried steps

No cold sales script. Just a straightforward path from "I'm curious" to coverage that actually fits.

Step one

Talk it through

A relaxed conversation about your family, your goals, and what keeps you up at night. No cost, no obligation, no jargon.

Step two

We shop the market

Because we're independent, we compare carriers to build options around your budget and health — instead of pushing one company's product.

Step three

You decide

You choose what fits. We handle the paperwork and stay your point of contact for the life of the policy.

A distinction that matters

Brokers, not agents

It sounds like a technicality. It isn't. A captive agent is appointed by a single insurance company and represents that company. As brokers, we represent you — untied to any one carrier's shelf, free to shop the whole market and bring you the option that genuinely fits. Same license to help; opposite allegiance.

The captive agentWorks for the company
  • Represents one insurance company
  • Offers that company's products only
  • Loyalty runs to the carrier
  • You see a single menu
Your brokerWorks for you
  • Represents you, the client
  • Shops many carriers for the best fit
  • Loyalty runs to your family
  • You see the whole market
Why Craft & Kraus

A partner, not a call center

The name says it: we treat coverage as something to be built with care, one family at a time.

Truly independent

We answer to you, not one carrier. That means honest comparisons and options chosen on your terms.

Licensed & accountable

Real, licensed professionals you can reach by name — before and long after you're covered.

Plain English

We translate the fine print so you always understand exactly what you're buying and why.

Zero pressure

We'd rather you feel confident than closed. If it's not the right fit, we'll tell you.

“If it wouldn't be right for our own families, we won't put it in front of yours.”

The people behind the name

Meet the partners

Craft & Kraus isn't a call center or a franchise. It's two people who put their own names on the door — and answer, personally, for the advice you get.

Josiah Craft, co-founder of Craft & Kraus Insurance Partners
Co-founder

Josiah Craft

Oconee County, South Carolina

Josiah came into insurance looking for a new opportunity — a chance to help people and earn a good living doing it. What's kept him here is simpler: he wants everyone to walk away glad they met him, whether that means the right coverage or just a smile on their face. His real focus is the details. There's a difference between a good product and the best one for a client, and he refuses to settle for good.

Focus: The best fit, not just a good one
EK
Photo coming soon
Co-founder

Evan Kraus

Oconee County, South Carolina

[Evan's bio — send me his background and a personal note and I'll write it to match yours. Placeholder to replace: “Evan brings…”]

Focus: [Evan's specialty]
Good questions

Asked all the time

Does it cost anything to work with you?

No. You never pay us a fee. Like nearly all insurance agents, we're compensated by the insurance carriers — and because we work with multiple carriers, that compensation doesn't steer which one we recommend.

Will I be pressured to buy something?

No — and we mean it. Most of our conversations start with someone who's simply curious. If what you have already serves you well, we'll tell you that and shake your hand.

I already have a policy. Is it worth a review?

Usually, yes. Coverage bought years ago often no longer matches your life — beneficiaries change, mortgages shrink, needs shift. A review is free, and the worst outcome is confirmation that you're in good shape.

How do annuities actually work?

In plain terms: you place a portion of savings with an insurance company, and in exchange it provides guarantees — such as protection from market loss or income paid to you for life. There are several types, each with real trade-offs, and the right one depends entirely on your situation. That's exactly the conversation we're built for. Guarantees are backed by the claims-paying ability of the issuing insurer.

What if I have health issues?

Don't rule yourself out. Carriers view health very differently from one another, and several offer simplified options with limited health questions. Because we shop multiple carriers, a "no" from one company is rarely the end of the road.

How fast can coverage start?

It depends on the product and the carrier — some policies can be approved within days, others take longer. We'll give you an honest timeline up front and keep you posted at every step.

Career opportunities

Build a career here

We're growing — and we're deliberate about who we grow with. Two ways in, one standard: do right by families and the rest follows.

For licensed agents

Bring your license somewhere it compounds

You already know the work. What most agents are missing is the infrastructure around it.

  • A real lead program — spend your time in front of families, not hunting for them
  • Multiple carriers under one roof, so you can always write what's right
  • Mentorship and a team that actually picks up the phone
New to the industry

No insurance experience? Good — no bad habits.

Some of the best agents we know started from zero. We've built the path so you don't have to guess.

  • Guidance through licensing, start to finish
  • Modern training tools and real-world practice before your first appointment
  • Field mentorship from day one — you're never sent out alone
Let's talk

Start the conversation

Curious about coverage — or about joining the team? Fill this out and we'll reach back out, usually the same day.

  • A quick, no-obligation conversation
  • Options compared across multiple carriers
  • Answers in plain language, on your schedule
Prefer to reach out directly? 803-262-9343 · djcraft@assuregrp.com

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