Kristi is a graduate of South Point High School and The Ohio University. She has a Bachelor's of Science in Education. She joined her father in the agency in 1992 and upon graduation from college decided to stay in the family business. She and her husband purchased the agency upon her father retiring.
Ray is a graduate of Russell High School and Morehead State University. He holds a degree in Business with a concentration in Accounting. He joined his father in law and wife in the agency in 1997. Governmental Insurance is his specialty. Few agents have the knowledge, proper markets and expertise in this area. He and Kristi now own the agency.
Mr. Kinder opened Kinder's Insurance Agency, LTD on January 16, 1978. Prior to opening his own agency, he served in the Air Force during Vietnam. Upon leaving the military he went to work for People's Life Insurance Company in Huntington West Virginia until 1978. He also served on the South Point School Board for twenty years. The agency has now turned into a family business with his daughter and son in law both working in the agency. He retired in 2015.