Please note that the icons represent years of dedication to CLTC.



Edward Kotak, CLTC
748 Johnson averonkonkoma, NY. 11747
Company: New York Life Insurance Company
Phone: 631-413-0625
Email: ekotak@newyorklife.com

Mr. James Kovac, CLTC
685 462nd RdBeaver Crossing, NE. 68313
Company: Thrivent Financial for Lutherans
Phone: 402-534-2056
Email: Jamie.Kovac@Thrivent.com

Ms. Naomi Kowalik, CLTC
1621 4th Ave NSauk Rapids, MN. 56379
Company: Kowalik and Associates
Phone: 320-257-8888
Email: naomi@kowalikandassoc.com

Ms. Edna Kowitz, CLTC
10451 Mill Run Circle, Suite 400Owings Mills, MD. 21117
Company: Kowitz Financial Group, LLC
Phone: 1-888-517-4888
Email: ekowitz@kowitzfinancialgroup.com

Iris C Kozak, CLTC
141 4 skye terraceDelray Beach, FL. 33446
Phone: 561-218-9918
Email: ikozak@ft.newyorklife.com

Mr. Martin Joseph Krager, CLTC
6041 Irongate CircleHuntington Beach, CA. 92648
Company: Nationwide
Phone: 714-316-6377
Email: mkrager669@aol.com

Mr. Bradley Kraines, CLTC
6320 Canoga Ave 900Woodland HIlls , CA. 91367
Company: New York Life
Phone: 818-294-4699
Email: bakraines@ft.newyorklife.com


Mr. Alan Kramer, CLTC
6 auer ctEast Brunswick, NJ. 08816
Company: New Your Life Insurance Company
Phone: 732-967-1700
Email: ajkramer@ft.newyorklife.com

Coleen Kramer, CLTC
15 E. Main Street Suite 218Westminster, MD. 21157
Company: Janney Montgomery Scott, LLC
Phone: 850-621-3667
Email: ckramerbeal@janney.com

Mr. Seth Krasne, CLTC, LUTCF
1 S. Church Ave #2200Tucson, AZ. 85701
Phone: 520-620-5314
Email: skrasne@ft.newyorklife.com
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Disclaimer: This information is used only to verify an individual’s certification status with the Certification for Long-Term Care and is not meant as an endorsement. CLTC encourages the public to avail itself of additional resources such as FINRA Broker Check (brokercheck.finra.org), the IIROC website (www.iiroc.ca) or most state insurance offices have an area on their website where you can check the license status of your agent, and some will also allow you to check if there are any complaints.