top of page
insurance agent shaking hands with client

Waren & Associates

Your Trusted Insurance Agency

Committed to Excellence

car parked in front of a house

Personal Property Protection

two men in hardhats in a warehouse

Protecting Your Business

two ladies cheking into a fitness center

Health & Wellness Protection

family smiling at camera

Leaving a Lasting Legacy

happy senior couple walking and smiling in store that sells plants

Safe Retirement Protection

About Carl Waren


For nearly forty years, I've been dedicated to transforming lives and building legacies through insurance solutions. I hold licenses in Arkansas, Florida, Georgia, Louisiana, Mississippi, and Texas, specializing in life insurance, health insurance, and annuities. My passion lies in helping individuals achieve a "Tax-Free Retirement" as outlined in IRS codes 7702 & 101.

My approach is client-centric, focusing on your unique needs rather than any specific company or product. I began this journey in 1988 with a major mutual company but soon realized that no single insurer could meet all my clients' diverse needs. That's why I chose to represent my clients exclusively, ensuring tailored solutions that truly serve your interests.

In 2019, I was honored to receive the Best of Texarkana Award in Financial Planning, a recognition of our commitment to excellence and client-focused practices. Our expertise spans estate planning, tax-free retirement plans, debt protection, asset protection, business exit planning, buy-sell agreements, key-person coverage, group benefits, and custom retirement plans for businesses.

Your satisfaction is paramount, which is why we invite you to reach out via our website's "Contact" tab and request a complimentary consultation. We prioritize transparency and education, empowering you to make informed decisions about your insurance needs.

Additionally, I collaborate with an experienced associate specializing in Property & Casualty (P&C), including homeowners, auto, and commercial insurance. Doug Williams brings years of expertise from a reputable company and independent adjusting background, offering cost-effective solutions without compromising coverage quality. You can contact Doug at our office number, (903) 791-0523, for personalized insurance options.

Our mission is to provide comprehensive insurance solutions that safeguard your future and assets while minimizing financial risks. We look forward to serving you and ensuring your peace of mind through tailored insurance strategies.

How We Work


At Carl Waren & Associates, we prioritize your privacy and unique needs above all. In utmost confidentiality, we meticulously review your specific wants, expected outcomes, and financial means. Our goal is to seamlessly align your desires with the most affordable insurance solutions available, ensuring you receive the tailored coverage you seek without compromise.


I've always been satisfied with the help John has provided in the past years and recommend him to all my friends.

Frankie B.

Great customer service.  Always takes care of any problems you may have with your coverage.

Jesse N.

John helped me find a Medicare Advantate Plan that covers dental and vision too.

Anna A.

in Touch

People calculating their required minimum distribution

Required Minimum Distribution Calculator

bottom of page