Karen Harding has a passion for helping people. As a seasoned Senior Advocate and Independent Insurance Broker, she brings years of experience and a strong track record of success in helping individuals and families find the Medicare coverage that best fits their needs.

Karen specializes in Medicare Supplements, Medicare Advantage, and Prescription Drug Plans. Her deep understanding of these programs ensures her clients are well-informed and confident when making important insurance decisions. Whether you're new to Medicare or exploring different options, Karen provides the clarity and support you need. Committed to education, Karen offers a variety of resources to guide her clients, including both online and in-person seminars, as well as personalized one-on-one consultations. Her goal is to empower people with the knowledge they need to select the right insurance for their unique circumstances.

As a proud member of the National Association of Benefits and Insurance Professionals (NABIP), Karen stays current on industry developments, regulations, and best practices—ensuring her clients always benefit from the latest information and strategies.

Based in the Hudson Valley, Karen has a strong understanding of the local market, yet her expertise extends far beyond—she is licensed in 18 states and helps clients nationwide. She works with leading insurance carriers to offer a range of coverage options tailored to her clients' needs. Her focus is on designing plans that combine low costs with comprehensive benefits, backed by personalized advice to help each client make confident, informed choices.

Karen’s mission is to assist clients in understanding and making the right decisions about their insurance. With the skills, knowledge, and experience to meet each client’s goals, her personal commitment is to serve as a lifelong resource—providing guidance, clarity, and peace of mind throughout every stage of the Medicare journey.