Retire Smart. Live Free.

Protect your future with a retirement plan that grows safely, pays predictably, and lasts a lifetime — no matter what the market does.

Build a Retirement You Can Count On

Hi,

I’m Karen, founder of KRK Life Group. If you’re like many people I speak with, you’ve worked hard and saved what you could — but you're still unsure if it’s enough to retire comfortably. The fear of running out of money, losing savings in the market, or paying too much in taxes can be overwhelming.

That’s exactly why we created our retirement planning solutions — to give everyday people peace of mind, using smart, tax-advantaged strategies that build guaranteed income you can’t outlive.

Whether you’re just starting to plan or looking to protect what you’ve already built, I’m here to help you retire with confidence — and live the life you’ve earned.

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 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 mortgage 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.

Retirement Concerns You Might Be Facing Right Now

Do any of these sound familiar? If so, you’re not alone — and we can help.

I’m not sure if I’ll have enough to retire.
I'm worried about losing money in the market.
Taxes could eat up my retirement income.
I don’t have a clear plan or reliable advisor.
I’ve waited too long — it might be too late.

How Our Retirement Income Strategies Work

Eliminate the guesswork and build tax-free retirement income that won’t disappear when the market drops.

At KRK Life Group, we help you build the retirement you deserve using safe, tax-advantaged strategies designed to:

Create guaranteed, lifetime income
Protect against market volatility
Reduce or eliminate your retirement tax burden
Give you predictable, stress-free cash flow
Ensure your money lasts as long as you do

We use tools like life insurance retirement plans (LIRPs), indexed annuities, and custom cash flow plans that offer growth without risk. You’ll have the freedom to retire confidently — without fear of running out or losing your hard-earned savings.

Why KRK Life Group Is Your Retirement Planning Advantage

Our mission is to help you create reliable retirement income that lasts for life — with clarity, confidence, and care.

At KRK Life Group, we’re on a mission to make retirement planning simple, accessible, and stress-free:

Personalized Retirement Roadmap – No cookie-cutter plans here. We tailor your strategy to your exact goals and timeline.
Smart, Risk-Free Growth – We prioritize stability and protection, so your retirement isn’t left to chance.
Tax-Smart Strategies – Our plans are built to maximize your income and minimize your taxes.
Ongoing Support: Questions after you get your policy? We’re always just a call away.
Values-Driven Guidance – You can count on honest advice, transparent plans, and real peace of mind.

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 retirement and health plans are flexible and tailored—finally found what suits my needs and budget.

Thomas Krazinski

KRK Life Group's estate 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: What makes your retirement planning different from traditional methods?

Our retirement planning focuses on smart, tax-advantaged strategies that provide guaranteed income for life, without relying on the stock market. We help you avoid common risks like market crashes, outliving your money, or paying unnecessary taxes.

Question 2: Can I really create tax-free income in retirement?

Yes. We use tools like life insurance retirement plans (LIRPs) and other tax-advantaged vehicles to help you generate tax-free retirement income. This can significantly reduce your tax burden and give you more financial control in retirement.

Question 3: Is this strategy only for people near retirement age?

Not at all. Whether you’re 10 years away or already retired, it’s never too late (or too early) to create a plan that protects your income. The earlier you start, the more options and growth potential you’ll have — but we help people at every stage.

Question 4: What happens to my retirement income if the market crashes?

Unlike traditional investments, our retirement strategies are not tied to market performance. That means your income is protected, regardless of what happens to stocks or the economy. You can count on stable, predictable cash flow — no surprises.