Every family's needs are unique. Karen conducts a thorough assessment of your current situation, future goals, and potential risks before recommending any solutions. This personalized approach ensures you receive protection that addresses your specific concerns while staying within your budget. Schedule a free consultation to discuss your individual needs.

Yes, properly structured mortgage protection policies are designed to pay off your remaining mortgage balance if you pass away during the term of coverage. Some families choose full pay off, some half and some just buy a bit of time, all depending on budget. Additionally, some policies offer living benefits that can help cover mortgage payments if you become seriously ill or disabled. Karen can customize a plan that protects your home and family in multiple scenarios.

While employer-provided life insurance is a valuable benefit, it's typically limited in coverage amount and ends if you change jobs. Most financial experts recommend supplementing workplace coverage with personally-owned policies that stay with you regardless of employment changes. Karen can help evaluate your current coverage and identify any protection gaps.

The best time to begin retirement planning is now, regardless of your age. The earlier you start, the more time your money has to potentially grow. However, it's never too late to improve your retirement outlook. KRK Lifegroup offers retirement strategies for clients at every life stage, focusing on creating reliable income streams and tax-advantaged growth opportunities.

Insurance rates are calculated based on factors including age, health status, coverage amount, policy type, and sometimes occupation or lifestyle. Working with an independent broker like Karen gives you an advantage, as she can compare offerings from multiple providers to find your optimal combination of coverage and cost. Many clients are surprised to discover that comprehensive protection can be more affordable than they expected.