MEDICARE SUPPLEMENTS. Karen Morrow is President and CEO of Karen Morrow Insurance Services, Inc. Karen is licensed in the states of Florida, New York, Michigan, and Maryland. She holds a Bachelor of Liberal Studies and a Masters of Science from Barry University. Karen has earned her CLU, Life Underwriting Training Council Certificate, Retirement Income Certified Professional, and she is a Certified Long-Term Care specialist. Karen has served 30 years in the Life and Health Insurance business. She specializes in helping people approaching retirement or already retired into safe and guaranteed money solutions.