Life Insurance is for EVERYONE! It's planning ahead for the one's you love most.

Discover the many types of life insurance and all the ways it can benefit your family. It can be confusing but we are here to simplify it for you and help you find protection that gives you peace of mind.

A Personal Message from Karen: Why Life Insurance Matters More Than Ever

Hi,

I’m Karen with KRK Life Group. If you’re like most people, life insurance is something you know you should have… but it keeps getting pushed to the bottom of the list.

I totally get it. Life is busy. And the truth is, no one wants to think about the “what ifs.” But here’s what I’ve learned after working with families across the country: the right life insurance plan isn’t just about death — it’s about life.

Whether it’s term life insurance for protection, whole life insurance to build cash value, or final expense coverage to ease your loved ones’ burden, there’s a solution designed for your needs and your budget. Many of our policies even come with living benefits, so you can access funds in the event of a serious illness or emergency.

My job is to make life insurance simple, affordable, and tailored to you. Let’s protect what matters most — your family, your future, and your peace of mind.

Karen Allen
KRK Life Group

Why Clients Trust Karen Allen and KRK Life Group

Karen Allen brings personal dedication and industry expertise to every client relationship. Here's why families choose her to protect their financial futures:

It's All About Your Family - Karen takes the time to sit down and really understand what matters most to you. No cookie-cutter solutions here—just personalized mortgage protection plans tailored specifically to your family's unique situation.

You Deserve an Expert - With years of insurance expertise under her belt, Karen knows the ins and outs of life insurance protection. She spots opportunities to protect your family that others might miss completely.

More Options, Better Coverage - As an independent broker, Karen isn't tied to just one company. She shops around multiple top-rated insurance providers to find you the perfect coverage at rates that work with your budget.

We're In This Together - Your relationship with Karen doesn't end once your policy is in place. As your life changes—new home, growing family, career shifts—she'll be there to make sure your mortgage protection evolves too.

No Insurance Jargon - Confused by complex insurance terms? Don't worry. Karen breaks everything down into plain English, making sure you completely understand your options and feel confident in your protection plan.

Still Putting Off Life Insurance? You’re Not Alone.

These are the most common reasons people delay getting coverage — and why that decision could cost your family more than you think.

Are You Facing Any of These Challenges?

You’re unsure which life insurance plan is right for you — term, whole, or something else.
You worry that it’s too expensive or complicated.
You’ve been meaning to “look into it” for months (or years).
You want to make sure your family is protected — but don’t know where to start.
You’ve heard about life insurance with living benefits but don’t understand how it works.
You don’t want your loved ones left with debt, funeral costs, or lost income.

What Our Clients Are Saying..

Jasmine Richards

Signed up for Life and Retirement plans with KRK Life Group. Super easy process and reassuring knowing I've got solid coverage and future sorted!

Monica Chandler

Explored several options before settling on KRK Life Group. Their insurance plans are flexible and tailored—finally found what suits my needs and budget.

Thomas Krazinski

KRK Life Group's Insurance planning was straightforward and effective. Without fuss, they set everything in place, ensuring my financial peace well into the future.

STILL NOT SURE?

Frequently Asked Questions

Find Clear Answers to Help You Make Informed Decisions.

Question 1: How do I know which insurance products are right for my situation?

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.

Question 2: Does mortgage protection insurance pay off my entire mortgage if something happens to me?

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.

Question 3: I already have life insurance through my employer. Do I need additional coverage?

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.

Question 4: At what age should I start planning for retirement?

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.

Question 5: How are insurance rates determined, and how can I get the best value?

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.