
About Reef Insurance Group
Based in Wilmington, North Carolina, Reef Insurance Group is an independent agency dedicated to providing personalized insurance solutions with a human touch.

Matt Korol
Matt built his career around a simple idea: people deserve to feel protected, not sold to. As a husband and father himself, he knows what it means to work hard for the people and things that matter most — and he brings that same care to every client he works with.
He believes good insurance starts with a good conversation. No jargon, no pressure — just honest answers and a real relationship, so you can make decisions with confidence instead of guesswork. Whether he's working with a growing family, an individual just starting out, or a business owner protecting what they've built, Matt treats every client like a person first and a policy second.
When he's not at work, you'll find him doing exactly what he protects for other people: making time for his own family and enjoying life outside the office.
States Served
Licensed in North Carolina & Illinois
Independence
Access to Multiple Carriers
Our Agency Philosophy
We keep things simple, transparent, and focused on you.
Approachable
We are here to answer your questions and guide you through the process in plain English.
Trustworthy
Honesty and integrity are at the core of every recommendation we make.
Local Impact
Based in Wilmington, we care deeply about the communities we serve across NC and IL.
Let's Start a Conversation
Whether you're looking for personal or business coverage, Matt is ready to help you explore your options.