Services
With a variety of Insurance companies, we give you a variety of options. Contact us and we can get you started.
We have options
for you.
Auto
Auto insurance may include the following and may be tailored to your specific needs.
As a driver if you cause injuries or damage, you are obligated by law to pay for those medical or repair costs. Are your limits adequate? “Average wrongful death settlements in Washington State exceed $850,00.”
What happens when someone hits you and drives off or does not have insurance? This coverage pays for your medical expenses, loss of wages, and damage to your vehicle when the other driver is not insured or under insured.
Works in conjunction with your health insurance to cover you and your passengers’ medical expenses whether or not you are the cause of the accident.
This pays for repairs to your vehicle in the event of damage caused by theft, vandalism, fire, animal impact, and other circumstances excluding collision.
This coverage pays to repair or replace your car from a collision (not including animal impact).
Includes towing and help with gas, flat tires, and being locked out of your car.
Home
The home owners policy covers the following in a package.
The repair or replacement of the residential structure after most losses. There are exclusions for the following: flood, earthquake, war or nuclear event, and “wear and tear”. Flood and earthquake policies can be purchased separately. For more details, please contact us.
Covers repair or replacement of other buildings such as fences, detached garages, or barns.
Replacement for personal items such as furniture, clothing, and other household items. Motorized licensed vehicles are excluded.
Cost to provide housing and additional living expenses while home is repaired.
Pays for defense costs including attorney fees and judgement for damages or injury you may have caused to others.
Recreational Vehicle
Just like automobiles you may want to insure against losses caused by yours toys. Each policy is designed for the type of recreational vehicle insured. Whether it is a boat, jet ski, snowmobile, camper or motor home, trailer, etc. You can be assured that the policy will be tailored to your specific needs!
This provides financial protection against claims due to damage and injuries to others while recreational vehicles are in use.
Provides funds to repair or replace your vehicle after accidental damage.
Pays for you and/or your family members’ medical expenses while using recreational vehicles.
Covers towing of stranded vehicles when the unexpected happens.
Business
Business Insurance Policies can be tailored to your industry.
Usually they include building, contents, loss of earnings, and liability coverage. They can also cover mobile equipment, commercial vehicles and property in your care. Need a Bond Click Here
- Commercial real estate, apartment buildings, and condominiums
- Retail and wholesale businesses
- Restaurants
Medicare
Medicare is usually available to those 65 years and older or individuals with disabilities who have been receiving social security for at least two years. For specific information, please refer to the additional references below. Compare plans side by side or shop for Medicare plans online Click Here
How Can We Help?
- We can help you understand the benefits of original Medicare Part A and Part B.
- We can explain the benefits of adding a Medicare Supplement Plan to original Medicare Part A and B, compare plans, and help with enrollment.
- We can review with you Medicare Part D (Drugs) Plans and assist in enrollment.
- Explain the option of Medicare Part C or Medicare Advantage Plans. Review plans offered and help you enroll.
- Proud to represent Premera Blue Cross, United Health Care, Aetna, Humana, Kaiser Permanente
- Consultation and enrollment assistance is free!
Health Insurance
Individual Plans
The Affordable Health Care Act passed by congress changed the way Individual Health Insurance is acquired. It also provided tax credits which may pay for part or all of the premium. Washington state has an Individual Health plan enrollment site which you can visit by clicking here – www.wahealthplanfinder.org
Small Employer Group Health Plans (2 – 100 Employees)
We are pleased tp represent Premera Blue Cross and Kaiser Permanente Employer Group for health plans. They can include health, dental, and vision. Please provide with us a census of your employees and their dependents for a proposal or call our office for additional information.
Life Insurance
Replacement cost of Income
Coverage amount: $50,000 $100,000 $250,000 $500,000 $1,000,000
Mo Income for 10 yrs $495 $990 $2,475 $4,950 $9,900
Mo Income for 20 yrs $292 $585 $1,463 $2,927 $5,855
Mo Income for 30 yrs $228 $457 $1,144 $2,290 $4,578
Figures shown in chart assume that death benefit proceeds are placed in a hypothetical annuity earning 5% effective annual interest rate. Benefits are paid to beneficiary from the annuity at the beginning of each month. Beneficiary’s tax bracket is 28%.
Life Insurance is a great way to provide immediate tax free funds to a family or business to provide financial support in the event of the sudden death of a key person.
This could be a father or mother in a family. It could be the employee or owner of the business who contributes greatly to its success.
We offer term and permanent insurance policies to provide the protection you need. Call us today for a review and assistance.
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Our Providers...
Medicare • Health • Life
Home • Auto • Business • Recreational Vehicle
Property • Liability
