Need Help with Pennie? Looking for competitive employee benefits? We Can Help!

Kluge Insurance Group
  • Home
  • Employers
  • Individuals
  • Contact Us
  • About Us
  • News & Updates
    • Newsletters
    • Community and Support
  • More
    • Home
    • Employers
    • Individuals
    • Contact Us
    • About Us
    • News & Updates
      • Newsletters
      • Community and Support
Kluge Insurance Group
  • Home
  • Employers
  • Individuals
  • Contact Us
  • About Us
  • News & Updates
    • Newsletters
    • Community and Support

Who is ARO Insurance


ARO Insurance is owned and operated by Amber Osgood. The agency was originally started as Kluge Insurance Group June 1, 2001, purchased by Amber January 1st 2022 and renamed to the current ARO Insurance in June 2026. Amber joined the agency in 2006 and along side the previous owners and Ang Stover built an outstanding agency that is dedicated to their clients with dedication,knowledge and commitment to serve others as the bases for our business.  All while representing the top-rated companies to best meet each individual need.  The agency still maintains the same great standards and services as it began with while evolving with an ever-changing industry to best serve our clients.  



Along with Amber, Ang Stover has had a big hand in the success of the agency.  She joined the agency in 2008.  She has worked her way from a clerical position to our agency expert on Medicare Supplements, Part D, and the Senior Market.


We have always been surrounded by dedicated employees that have the same philosophy, work ethics and commitment to providing guidance and education to each and every customer we interact with.


Every single one of our clients are the reason behind our success.  Without them and the referrals they have given us throughout the years, we would not have been able to be where we are today.  


  • Home
  • Employers
  • Contact Us
  • About Us
  • Testimonials
  • Privacy Policy

ARO INsurance

Copyright © 2026 ARO Insurance - All Rights Reserved.

Powered by

This website uses cookies.

We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.

DeclineAccept

Need Help with Enrollment or Want To Make a Change?

Kluge Insurance Group can assist with open enrollments, help make changes, or provide you with answers regarding your Pennie account.  

Contact Us Now!