Guardians of Your Legacy. Champions of Your Dignity.

Keep What You Worked For.

Live the Life You Planned.

Talk through your insurance and legacy options with someone who listens first and plans second.

About Lone Star Legacy Insurance

Real people. Real plans. Real protection.

At Lone Star Legacy Insurance, we help Texas families protect what they’ve worked so hard to build:

* their homes,

*their health,

*their income, and

*their legacy.

We believe insurance shouldn’t feel confusing, rushed, or pushy. It should feel like a conversation with someone who actually listens.

That’s why everything we do starts with one simple step:


Start Your Legacy Conversation.

Why the Hat System?

Every family wears different hats through life.

Some days you’re focused on building wealth.
Some days it’s about staying healthy.
Some days it’s about protecting what you already own.

We use a simple hat system to help people understand what kind of protection they need right now:

Life & Legacy Insurance Coverage:

This is the protection that makes sure your family is financially okay if something happens to you — and that the money you’ve built can be passed on the way you intended.
It can also create tax-free savings you can use while you’re alive for income, emergencies, or opportunities, while still leaving something behind for the people you love.

Health & Long-Term Care Insurance Coverage

This protects the money you’ve saved for living, traveling, and enjoying life — not just paying medical bills.
It helps cover healthcare and long-term care costs if you ever need help at home or in a facility, so those costs don’t drain your retirement or force your family into tough choices.

Home, Auto & Asset Insurance Coverage

This protects your home, vehicles, and the savings you’ve worked so hard to build.
It includes liability coverage and extra layers of protection so one accident, lawsuit, or storm doesn’t undo everything you’ve put together over a lifetime.

Ready to Get Started?

Start Your Legacy Conversation
Let’s talk about what matters most — and how to protect it.

About Karen

Karen Burkholder is a Texas-licensed independent insurance agent and the founder of Lone Star Legacy Insurance. She helps families across Dallas–Fort Worth and all of Texas protect their life, health, home, and legacy through clear, honest insurance planning: all by phone and online.

Karen believes insurance should be about people, not pressure. Her mission is simple: help you keep what you’ve worked for, protect your family, and live the life you planned.

With over 10 years of experience specializing in long-term care planning, Karen helps families protect their savings, dignity, and independence as they age.

© 2026 Copyright. All rights reserved.

Karen Burkholder Insurance Agency, LLC
Licensed Texas Insurance Agency

National Producer Number Agent: 17685812

National Producer Number Agency: 18254959


All calls recorded for quality and compliance

Not connected with or endorsed by the U.S. government or the federal Medicare program.

Karen Burkholder provides insurance based retirement and long term care solutions funded through rollovers and 1035 exchanges. No securities or investment services are offered.

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