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Karen Michaels, ChFC,CLU,LTCPwww.karenmichaelsinsurance.com

Karen Michaels
Street Address:

2280 Pulaski Highway

North East, MD 21901-3710

Mailing Address:

2280 Pulaski Hwy

North East, MD 21901-3731

Landmark:

1/4 mile east of RT 272 on RT 40

MapDirections

Phone: (410) 287-5800

Toll Free: (877) 783-5800

Fax: (410) 287-8883

Office Hours:

Mon-Fri 9:00am to 5:00pm

In Home / Eve / Weekend Appt

NMLS MLO #: 228208

Languages
Languages
State Farm product policies, contracts, required notices are in English only.
:
Spanish

My background and achievements

  • Family serving State Farm customers for 40 years
  • Focusing on BRAC Relocation and Transfer Assistance
  • Voters Choice Award since 2007
  • Chairman Circle Qualifier since 2008
  • Ambassador Travel Qualifier since 2005
  • 2005 Graduate of Cecil Leadership
  • Cecil County & North East Chamber of Commerce
  • CLU (Life) and ChFC (Financial Consultant) Designations
  • Long Term Care Professional (LTCP) Designation
  • Graduated from Frostburg State University
Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
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 Did You Know?
Safer Cars, Lower Rates. Car Shopping Soon?

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

Hot Wheels, Higher Rates

The more likely a car is to be stolen, the more likely it'll cost more to insure it. The top stolen car in 2006 according to the NICB? 1995 Honda Civic

Could you afford long-term care expenses?

Home health aides average $18.50/hour1, and nursing home costs average $203/day2. How long could you pay for these expenses before spending all of your savings? 1 National Statistic: Genworth Cost of Care Survey, conducted by CareScout®, April 2009. 2 National Statistic: Based on rates for a private nursing home room. Genworth Cost of Care Survey, conducted by CareScout®, April 2009.

Get more long-term care benefits than with Medicaid alone

With Medicaid, the government may limit benefits for specific services or require additional criteria be satisfied before approving or paying benefits. This may mean that Medicaid only pays for care in certain nursing homes or limits the type and number of home health care services. Do not compromise your level of care. Seek additional long-term care coverage.

Car Crashes

Motor vehicle crashes are the leading cause of death for children from 2 to 14 years of age, according to the National Highway Traffic Safety Administration (NHTSA).

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  • State Farm Bank®, Bloomington, Illinois, Member FDIC and Equal Housing Lender. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and subject to investment risk, including possible loss of principal invested. Contact State Farm Bank toll-free at 1-877-SF4-BANK (1-877-734-2265).
  • Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.
  • Before investing, consider the funds' investment objectives, risks, charges and expenses. Contact State Farm VP Management Corp., (1-800-447-4930) for a prospectus or summary prospectus containing this and other information. Read it carefully. AP 2012/09/1122
  • State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.
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