Karen Joyce has been a proud employee of OWR Opinion since 1999. She works in our Mahwah office as the Director of New Business and Administration.  Karen has experience in every aspect of the new business process and currently leads our case management and underwriting teams. She is also building out our electronic licensing and contracting platforms.  She loves being part of a team of people who all work together towards one common goal; to protect our agents’ clients and their loved ones. Life insurance is for the living and Karen believes in the power is has; providing necessities and peace of mind to those who have suffered a devastating loss. Karen has been in the insurance business for 31 years. Before joining OWR, she worked as a Group Service Representative with Home Life. She lives in Orange County, NY, and when she is not working, she enjoys snuggling with her fur babies and reading a good book.