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Why I Do What I Do

Several years ago, my life changed in an instant.

I survived a catastrophic accident involving a semi-truck that left me facing a long recovery and time in a skilled nursing facility. During one of the most difficult periods of my life, I experienced firsthand how quickly life can change and how important financial preparation truly is.

Because I had savings and financial resources available, I was able to focus on recovery rather than financial hardship.

That experience transformed my perspective and inspired my mission to help others prepare for life's unexpected moments.

Today, I help families and seniors create financial protection strategies designed to provide security, stability, and peace of mind when they need it most.

Professional Expertise & Credentials

-Multi-State Licensed Life, Health & Disability Insurance Producer

-NPN #20844173

-FINRA Series 6 Registered Representative

-Bachelor's Degree in Organizational Management

-Background in Family Law Human Services and Risk Management

-Four Years of Insurance and Financial Services Experience

-Licensed to Assist Clients Across Multiple States

Karen specializes in:

-Mortgage Protection Insurance

-Final Expense Coverage

-Indexed Universal Life (IUL)

-Indexed Annuities

-Retirement Income Planning

-Disability Insurance

-Asset Protection Strategies

Empowering Your Financial Future

You have worked hard to build your life and your assets.

Our mission is to help protect what you have built while creating a strategy for the future.

Whether you are planning for retirement, seeking tax-advantaged financial solutions, protecting your family with life insurance, or exploring annuity options, Curiel Financial & Insurance is committed to providing guidance, education, and personalized support every step of the way.

Together, we can build a stronger financial foundation for the years ahead.

Contact Us

530-721-2535

Ione, California