Karen is not your average professional. With over 25 years of remarkable success in both physical therapy and real estate investment, she has seamlessly transitioned her career from healthcare to what she terms “wealthcare.” This unique blend of expertise places her at the forefront of the financial industry, where she excels in helping clients plan, protect, and grow their investments.
As a licensed life, health, and accidental insurance agent, as well as being annuity certified, Karen specializes in compound interest-indexed accounts, life insurance with living benefits, and tax-free retirement solutions. Her extensive professional track record is a testament to her unwavering passion for assisting individuals from all walks of life, regardless of their abilities.
Karen’s journey to success has been nothing short of inspiring. Starting from scratch, she has built her own legacy and understands the true value of hard-earned money. Her leadership, exceptional communication skills in both English and Spanish, and strategic business acumen have earned her a reputation as a trusted partner in financial planning.
Currently affiliated with Five Rings Financial, Karen is proud to work alongside some of the industry’s most esteemed experts. Here, she continues to provide unparalleled five-star service, consistently exceeding her clients’ expectations.
Passionate about education, Karen strives to empower individuals with knowledge about modern day cash accumulation life insurance with living benefits versus traditional long-term care insurance policies. Drawing from firsthand experience, she has witnessed the evolving needs of the aging population and the increasing costs associated with medical and custodial care highlighting more than ever the need for proper planning.
Karen emphasizes the importance of understanding the key differences between Living Benefit rider policies and long-term care (LTC) insurance. A Living Benefit Rider is an integral part of a life insurance policy and is typically included at no additional cost. This rider is often associated with term life insurance or permanent cash accumulation life insurance and offers coverage at a relatively low cost compared to standalone LTC policies. Living Benefits can pay out in the case of terminal illness and disability in a lump sum or monthly depending.
On the other hand, LTC policies are standalone insurance products specifically designed to cover long-term care expenses. It generally pays out only if an individual cannot perform 2 out of 6 of their Activities of Daily Living. Premiums for these policies vary based on factors such as the type of plan, age, and current health status. Typically, the annual cost for LTC insurance starts at $2,400 or more, reflecting the comprehensive coverage it provides for individuals’ long-term care needs.
Karen’s expertise and dedication to her clients make her a true trailblazer in the Wealthcare industry. Through her advocacy and commitment to education, she continues to make a meaningful difference in the lives of those she serves, ensuring they are well-equipped to navigate their financial futures with confidence and security.
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