Karen Morrow, MS, CLU, RICP, CLTC — Karen Morrow Insurance Services, Inc.

We offer Medicare supplements sold by private insurance companies for consumers approaching Medicare age 65 or already on Medicare seeking to change plans, on disability, or has end stage renal disease.

Medicare Advantage plans are an “all in one” Part C and D Medicare Health and Prescription Drug plans offered by a private company that contracts with Medicare to provide all your Part A (Hospital) and Part B (Medical) benefits.

Extended Care, or Long-Term Care Insurance picks up where group, individual, Medicare and skilled care ends, providing not only skilled care, but non-skilled care (custodial) care for help with the every day activities of daily living, such as dressing, eating, transferring, continence, bathing, and toileting to maintain a certain level of functioning.

Life Insurance can be used to pay for final expenses, paying off debt or replacing income, inheritance, paying Federal of State Estate Taxes, or charitable contributions that can be owned from birth on up.

Lastly, we offer fixed or indexed annuities, which are a contract you purchase from an insurance company to assist you in accumulating assets for retirement, and/or providing a guaranteed income for life immediately or into the future.