Happy 2nd Anniversary, Karen Sandeman!

Karen Sandeman



Costen & Associates would like to wish Karen Sandeman a Happy 2nd Anniversary!


Karen first began working in the insurance industry in 1977.  Prior to joining Costen & Associates, she was the Owner and Manager of Glenmore Insurance Brokers Ltd. in south Calgary for 21 years.  In her spare time, Karen enjoys cooking, baking, bridge, golf, animals, and spending time with her friends and family. Karen and her husband also enjoy travelling all over the world, and recently took a two week cruise to Russia.  Karen also volunteers for many different organizations, including Heritage Park for the past 20 years.


We initially met Karen in the Spring of 2010 when she was working as the Owner and Manager of Glenmore.  A instant friendship was created, and for the next year and a half, Karen assisted our Brokerage with our bookkeeping and accounting.  In the fall of 2011, Karen and her partner decided they wanted a change and sold their Brokerage to Costen & Associates.  In October 2011, Karen joined Costen & Associates as a part-time bookkeeper and Insurance Broker.  Since joining us, Karen has been busy inputting numbers, reviewing policy changes and renewals, answering phones, assisting her prior Glenmore clients and ours, and most importantly…. baking us some delicious goodies :0).


Please join us in wishing Karen a very Happy 2nd Anniversary!  Thank you Karen for all of your hard work and dedication and for supporting the Team!


Your Costen & Associates Family




As a reminder, Costen & Associates is a full service Brokerage offering the following:


We provide a wide range of superior insurance and financial products, focusing on the three important areas of Risk Management, Business Management, and Financial Planning. We are continuously looking to improve and expand on the products and services we offer – please let us know if you have any suggestions!

Risk Management – developing strategies to manage risk and protect your assets, allowing you to enjoy peace of mind.

Homes / Cottages / Farms
Renters Insurance
Home & Auto Glass Policies
Motor Homes & Camper Policies
Automobile / Motorcycles
Snowmobiles / ATVs
Watercraft / Aircraft
Travel / Visitors to Canada Insurance
Mortgage Life Insurance
Permanent Life Insurance
Health & Dental Plans
Critical Illness / Long-Term Care Plans
Disability Plans

Financial Services – managing your money, expanding the possibility for financial freedom.

Educational Savings Plans
Term Deposits / GICs
Seg. Funds / Annuities / RRSPs / RRIFs

Business Management – designing a plan to manage your business’ needs, creating the opportunity for your business to thrive.

Commercial Property Insurance
Revenue Property Insurance
Commercial Auto / Trucking Insurance
Surety & Contact Bonding
Directors & Officers Liability
Malpractice & Professional Liability
Commercial General Liability
Special Events & Hole-In-One Insurance
Employee Benefit Plans
Cost Plus Health Plans
Group RRSPs
Profit Sharing & Pension Plans
Partnership Insurance