Health and Life

• Life Insurance
  Non-countable assets consist of personal possessions such as clothing, jewelry and furniture and the applicant's primary residence. Further, non-countable assets include one vehicle not to exceed $4500 for unmarried applicants (there is no value limit for a vehicle for married applicants). Non-countable assets also include prepaid funeral plans, certain amounts of life insurance and retirement funds which cannot be cashed in because they are in payment status (however the latter will be considered under the income limits).
• Health Insurance
  Medicare is a national health insurance program for people 65 years of age and older, certain younger disabled people and people with permanent kidney failure. Like your regular health insurance, it is not intended to provide long- term custodial care!
• Long Term Care
  Thank you for allowing us to assist you with your long-term care insurance needs. One of the most gratifying things about this profession is knowing that the people we help will be prepared should a long-term care need arise.

Business

• Business Insurance

Personal

• Annuities
  Over the years, Karen has specialized in and presented numerous educational seminars in regards to Long-Term Care, Medicare Supplements, Medicare Advantage Health Care, and/or Prescription Drug plans. Other benefits offered are Business Insurance, Life Insurance, Annuities, and Long-Term Care Ins. As a Broker of several of the top rated insurance companies, Karen helps people make their nest eggs last and assists in providing income now or later; for life or a short period of time. Excellent for Pre-Retirement or already Retired.