About
Karen Frascone
CO-FOUNDER
503-838-1158 | karen@kinsuregroup.com
Karen grew up on a dairy farm in Wisconsin. Both she and her husband Joe graduated from the University of Wisconsin, then spent a year hitchhiking through Europe. They came to Oregon in 1979, and settled in Dallas. She worked for the law firm of Shetterly, Irick and Shetterly in Dallas until 1998, and became a licensed life and health insurance agent in 2000. After 10 years of working as an independent health insurance agent, she joined Pfaff-Karren Insurance in the fall of 2010.
In the process of building her client base in the early 2000s, Karen began using colorful business cards and became the “lady with the purple business card.” She has been a member of the Salem Chamber of Commerce since 2001. She served on the Board of the Monmouth Independence Chamber and has assisted with fund raising for Partnerships in Community Living. Karen is one of two agents authorized to offer Sons of Norway insurance products in Oregon and is actively involved on the board of Thor Lodge, Salem Sons of Norway, as well as the Eugene Sons of Norway Sonja Lodge.
In 2016 she formed a partnership with fellow agent Kristin Thomas and together they purchased Pfaff-Karren Insurance in 2017. Karen became managing partner and the face of the life and health side of their agency. Because of her dedication to clients and strong work ethic, she has been recognized for her achievement and is one of 31 agents statewide to receive an annual grant from the State of Oregon to assist even more Oregonians enroll in health insurance. With no plans to retire anytime soon, she is thrilled to have the whole team of K Insurance Group working together to focus on the goal of helping more clients with the best possible customer service in all aspects of health and life insurance.
Karen and Joe still live in the first home they bought in Dallas in 1981. She loves to work on the yard and plant as many flowers as possible. They are passionate travelers, especially to Europe and anywhere tropical.
Kristin Thomas
CO-FOUNDER
503-838-1157 | kristin@kinsuregroup.com
Kristin is a native Oregonian. She obtained both her Property & Casualty and Life & Health Insurance licenses in 2009. With the introduction of the Affordable Care Act (ACA) in 2010, her focus became helping Oregonians understand & access health insurance with these new guidelines.
In 2015, at the first annual Oregon Agent Summit in Salem, Kristin met Karen Frascone and the two instantly connected! In 2016, Kristin moved to Pfaff-Karren Insurance in Independence, Oregon and purchased the agency with Karen Frascone in 2017.
Over the course of the next 4 years, her desire to return to health insurance intensified and in early 2021, the decision was made to narrow the focus of the agency to Life & Health Insurance exclusively. Combining the knowledge and resources of 20+ years of health insurance experience, including a detailed understanding of the ACA, The American Rescue Plan of 2021, and changes to Medicare “K Insurance Group” opened their doors after a complete remodel of the office.
Kristin loves being a mother and gets to enjoy the snuggles of grandchildren too! Her hobbies include working anywhere other than at her desk, spending time in the mountains or by the water, and writing.
She is active in her community regarding accessibility for human services & supports, the houseless crisis, mental health awareness and suicide prevention. She volunteers weekly at the Dallas Resource Center, and Grand Ronde Food bank distribution center.
She personally participates with S.A.B.L.E. House in Dallas, Oregon who serve and support those who experience and survive domestic and sexual violence.
Jennifer Riggs
Licensed Producer Support | jennifer@kinsuregroup.com
Jennifer is a Southern transplant to the Pacific Northwest, having moved to Oregon from Mississippi in 1999. Shortly after arriving here, Jennifer found a job working in Property and Casualty, and has been helping clients with their home and auto insurance for the last 21 years. Jennifer spent 16 years with Farmers Insurance and moved to Pfaff-Karren Insurance in 2018. In 2019, Jennifer obtained her Health Insurance license and discovered a passion for the healthcare side of insurance. The newly formed K Insurance group gives Jennifer the opportunity to continue to connect with clients and provide the personal, one on one service that she prides herself in offering.
Jennifer is a mother to one sassy, smart teenager, and two Chiweenie dogs who she will gladly tell you about if you ask!
In her spare time, Jennifer enjoys being at home, and with family – she can usually be found cooking or baking when at home. Jennifer is an active advocate for the LGBTQ+ and BIPOC community.
Estefania Lozano
CLIENT SUPPORT AND LATINX ENGAGEMENT COORDINATOR | estefania@kinsuregroup.com
Estefania Lozano is a first-generation college graduate, having studied business and Spanish at Western Oregon University. Her desire to represent the Latino / Hispanic community and passion to help others led her to the Polk County Resource Center in Dallas, Oregon upon graduation from WOU.
Estefania is excited to expand her outreach to the Latino / Hispanic community by joining K Insurance Group. Estefania will be connecting her community to resources that provide accessible and affordable health insurance.
Born and raised in Oregon, her parents are from Zacatecas Mexico and she enjoys traveling there often to reconnect with her extended family. Estefania is married and recently welcomed her first child with her husband Eduardo. She lives in Dallas and loves to be with her family in her free time.
Estefania Lozano es la primera generación de su familia que se gradúa de la universidad donde estudió negocios y español en Western Oregon University. Su voluntad de representar a la comunidad latina / hispana y sus ganas de ayudar a los demás la llevaron al Centro de Recursos del Condado de Polk, después de graduarse de WOU.
Estefania está muy entusiasmada de ampliar su extensión a la comunidad latina / hispana al unirse con K Insurance Group. Estefania estará conectado a su comunidad con recursos que proveerán seguro médico accesibles y económicos.
Nacida y criada en Oregón, sus papás son de Zacatecas, México, le encanta viajar a México para reconectarse con su familia. Actualmente está casada y hace poco le dieron la bienvenida a su hija, su esposo Eduardo y ella. Viven en Dallas y ama estar con su familia en su tiempo libre.
You will find us at 1327 Monmouth Street, Independence Oregon in Central Plaza. K Insurance Group office space is light, bright, and modern with large private offices. We are happy to connect with you remotely if you choose. Current clients and prospective clients will always be will welcome and treated with the warm professional respect and personal attention that K Insurance Group is known for.