We live in Colorado and retired in 2021. Karen Kurland was introduced thru our life insurance agent as we wanted to convert my Whole Life Policy into LTC. At 60+ I was under the impression that LTC would be expensive and difficult to obtain. Not with Karen on our side! She provided us with various options thru multiple providers. She educated us on the differences in coverages and costs. Once we made a decision, she described exactly how the application process and qualification process would take place. She guided us through every step to approval and completion. Karen took time to participate on calls with both our investment advisor and our accountant. Karen’s communications were clear and she was always responsive in a timely manner. One of the very best experiences in our financial life. We are now prepared to soften the blow to our family and hopefully put us in a position to recover to better health and not destroy our savings.
We can’t recommend Karen highly enough! Thanks Karen.

H & C MarshallColorado

We were referred to Karen Kurland by our financial planner, who recommended we get long-term care insurance, and we are so thankful. Karen’s extensive knowledge of long-term care insurance and how it is a part of a complete retirement plan, allowed her to provide us with customized options. We really didn’t want to talk about long-term care, but she made it easy. We have since referred her to friends and family.


We were referred to Karen Kurland by our insurance agent, who wanted to send us to a specialist in long term care insurance. That was almost 20 years ago. We are very glad for the referral. Karen reviewed our life situation, as professionals with young children, and offered us various products that might be appropriate. She explained the differences among products, was able to answer our questions, and offer guidance so that we could make the best decision for our situation. Every year, she reaches out to offer a check-in and provide any updates in federal regulations. This year, when there was a significant anticipated increase in our premiums, we heard first from Karen, even before the insurer. She wanted to prepare us for the price hike and explain specifically how it would impact yearly cost and future benefits. We were given many scenarios to contemplate, allowing us to make an informed decision regarding the option we ultimately chose. She has always been available to provide straight forward, knowledgeable information that we can use to plan for our future needs. She is friendly, patient, organized and efficient. She is also happy to offer her services for friends and clients. We feel very fortunate to have her as our trusted counsel.


Navigating the waters to make sound decisions regarding one’s Long-Term Care strategy is no easy task. Over the last 15 years Karen has provided invaluable resources and information to my physician clients. She exhibits patience, professionalism and compassion toward those with whom she interacts. I would highly recommend her for your or your clients’ long-term care insurance needs.

Keith Mathis, ChFC

It has been a pleasure working with Karen. She took the time to listen and understand our situation, financially and medically. We appreciated her patience and thoroughness in educating us and explaining the options. We truly appreciated how well organized she was with all the information. We have and continue to recommend Karen to friends and colleagues looking for long-term care insurance.

Barbara S.