About Kristen Druger

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The Independent Broker Advantage

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Golden Financial Group provides a one stop insurance experience for our clients with the most up to date information in both Health and Life markets by using comparative software. As a privately owned and operated agency Golden Financial Group provides exceptional personalized service from year to year. Golden Financial Group is committed to meeting their customer's needs both in the health and financial arenas through one to one meetings. They offer their client's products from the nation's top rated insurance carriers today. At Golden Financial Group, we are dedicated to providing customers with quick, professional and friendly service. Whether it is during normal business hours, after business hours or weekends; we are available to our clients whenever they have concerns or questions.

​​​​​​​​​​​​​​Established in 2016.

Kristen Druger has specialized in the retirement planning/senior market for over 15 years. She is the principal and owner of Golden Financial Group LLC, an independent agency located in the Doylestown, Pennsylvania area. Kristen is a licensed life and health insurance agent and has extensive training in Medicare Supplemental Insurance, Health Insurance, Long Term Care, Life Insurance, Annuities and Disability programs since 2005.

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We are Independent Agents in New Britian, PA, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Golden Financial Group represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price.

What is an Independent Insurance Agent?

When you decide to buy a car, you wouldn’t purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn’t have a choice!

The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family’s financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn’t have a choice. The only solution would be going to that one company.

With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision.


An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible.

When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it’s up to you to make the final choice.