Not all insurance agents are created equal. At KIW Insurance, we go out of our way to treat our clients like people and we use our industry experience and diversified knowledge base to protect what you value most in business and in life.


Andrea Fowler, Owner/Advisor

Andrea has been helping clients with their insurance needs for over 20 years.  She grew up in Henderson, KY and has lived in Louisville for 22 years. 

She graduated from Centre College in 1998 with a degree in Sociology/Anthropology.  During her senior year of college, both grandfathers were diagnosed with cancer. It was hearing how having additional insurance protection helped save them from having to tap into retirement, savings, etc. to travel out of state for treatment that her passion for helping others with their insurance needs was born. She became a licensed insurance agent in 1998 after graduating from college.


 Andrea is a very proud mother of 3 beautiful children and enjoys spending time with friends and family.  She enjoys DIY projects and supports her community by volunteering at various non-profits.


Allison Luckett, Owner/Advisor

Born and raised in Louisville, KY. Graduate of Eastern Kentucky University with a Bachelors of Science Degree in Interpreting for Deaf and Hard Of Hearing. She enjoys playing tennis, working out, crafting, and spending time with family. She started in the insurance industry in 2008 and founded KIW Insurance in May 2015. She strives to take as much confusion out of insurance as possible for clients.

Mary Dossett, Insurance Advisor

For Mary Dossett, working as an insurance advisor isn’t a job, it’s a calling. Inspired to the field by her love for helping others, Mary considers it an honor to support her clients. A wife and a mother of two, she finds joy in her family and friends and values supporting others while maintaining balance in life.


A lifelong resident of Louisville, Kentucky, Mary spent the bulk of her career working in both the corporate and non-profit sectors where she held positions in government affairs, investor relations, community affairs and executive management.  In keeping with her love of helping others while enjoying more balance in life, she now enjoys a career as a licensed advisor focused on individual and group health, Medicare, life, home and personal auto solutions.


Christy Luckett, Insurance Advisor

Christie specializes in Group Employee Benefits Packages as well as Medicare and Life Insurance coverage. Helping others find the coverage they need and then ensuring that each customer is given individual time and attention is what makes her stand out. A proven track record in the corporate world of the service industry and past small business owner, she has an in-depth understanding of what employers are looking for to enhance their business.


Christie has worked diligently in her community as a servant leader and continues that work as the current Executive Board President of the Riley Cheer Guild at Riley Hospital in Indianapolis. Christie is known for her cheery disposition, quick wit and her willingness to help when needed which explains her signature sign off of: It’s with Love & Laughter I Serve!


Chris Wrightsel, Insurance Advisor

Amy Downey, Administrative and Client Services

Amy was born and raised in Louisville KY. She studied Psychology and Early Childhood Education at the University of Louisville. She enjoys hiking, camping, and fishing with her two boys.  She joined the KIW Insurance team in 2019 after working with Passport Insurance as a Delegation Oversight Specialist. She loves helping others and finds it rewarding to bring clarity for those with insurance needs.