CarrieAnne Kowalczyk-Gonzalez knows the insurance industry from the inside out — and from the heart. As the CEO and Agent of Personal Touch Insurance & Benefits, she has been building her business on her own terms for 20 years, having launched her career in the insurance industry in 2005 with a focus on Medicare. Over two decades, she has helped countless clients navigate one of the most complex and critical decisions of their lives — their healthcare coverage.

But it's not just her clients who have needed her guidance in difficult moments. CarrieAnne has had the sobering experience of stepping in to help two surviving spouses after the unexpected passing of fellow insurance agents — individuals who left behind thriving books of business and families who had no idea how to access them, transfer them, or carry them forward. Witnessing that loss — both personal and professional — firsthand lit a fire in her that brought her to this stage today.

They say there are two guarantees in life: death and taxes. Most of us in this industry spend our careers helping clients plan for both — yet far too many of us fail to plan for what happens to our own business when the unthinkable occurs.

CarrieAnne is here to change that conversation.