Leif Allison, independent insurance agent in Spokane, Washington

Leif Allison

Independent agent in Spokane, WA

Principal Broker, Allison Agency · NPN 21477755

Life, health and Medicare insurance from a neighbor who picks up the phone

I’m Leif. I went independent because I was tired of watching big insurance companies treat people like policy numbers. Now I work for you: I compare plans from 30 of the top A+ rated carriers in the nation, bring you the three that fit best, and stay your agent long after you sign.

Request a conversation or call me at 480-239-0872
  • 30 A+ rated carriers compared
  • A conversation without pressure
  • You deal with me from start to finish

Why it pays to have an independent agent

30 top-rated carriers. The 3 that fit you.

I have access to 30 of the top A+ rated insurance carriers in the nation. I shop all of them for your age, health and budget, then bring you the three that fit best, side by side, so you can choose with the full picture.

Find my top 3

How I find your 3

  1. 30
    The market A+ rated carriers I can shop
  2. 1
    Your story Conversation about what you need
  3. 3
    Your shortlist Best fits, brought to you to compare
Portrait of Leif Allison, independent insurance agent in Spokane
Leif Allison, Spokane, Washington

Meet Leif

Why I went independent

I’m Leif Allison, an independent insurance agent in Spokane, Washington.

I’ve watched big insurance companies treat people like policy numbers. Rushed calls. Policies picked to hit a sales target instead of to fit the family. And when it was time to use the coverage, nobody the family knew was on the other end of the phone.

I got tired of it, so I went out on my own. I don’t work for one insurance company. I work for you. I shop 30 of the top A+ rated carriers in the nation, explain your options in plain English, and if you don’t need something, I’ll tell you.

My rule is simple: treat every client the way I’d want my own family treated.

Leif

  • Based in Spokane, Washington
  • Licensed Life and health in WA, MT, TX, MI, VA, OR, IN, KY, PA and MN · NPN 21477755
  • Meets By phone, video, or in person around Spokane
  • Helps with Term, whole life, final expense, IUL, annuities, health and Medicare
Ask me a question or call 480-239-0872

What I can help with

One agent for your whole family’s coverage

Life, health and Medicare are usually sold by different people at different companies. I’m licensed for all three, so you have one person to call, whatever comes up.

Term life

Coverage for the years your family depends on your paycheck, usually 10, 20 or 30 years. Term is usually the least expensive way to buy a large amount of coverage, and I can size it to your mortgage so the house stays paid for.

Whole life

Coverage for your whole life, with a premium that never goes up and cash value the insurance company guarantees. A good fit when you want something permanent and predictable.

Final expense

A smaller policy that pays for a funeral and final bills, so your kids aren't left covering them. Many plans skip the medical exam, and the premium is set to fit a fixed income.

Annuities

A way to turn savings into steady retirement income without riding the stock market. Before you commit, I'll walk you through the surrender period, the fees, and when you can get to your money.

Medicare and Medicaid

Turning 65, retiring, or helping a parent sort it out? I’ll explain how Parts A, B, C and D fit together, compare Medicare Supplement with Medicare Advantage, and check Part D plans against the prescriptions you take.

If you qualify for both Medicare and Medicaid, I can explain how dual-eligible coverage works and what it means for you. Medicare’s Annual Enrollment Period runs October 15 to December 7.

  • Medicare Advantage and Supplement compared for your county
  • Part D checked against your prescriptions
  • Help for people with both Medicare and Medicaid

More about Medicare help and enrollment dates

We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.

Allison Agency is not connected with or endorsed by the United States government or the federal Medicare program.

How it works

What working with me looks like

  1. 1

    We talk

    A relaxed conversation, by phone or in person. Who you want to protect, what you owe, what fits your budget, and what you already have. No script.

  2. 2

    I shop 30 carriers for you

    I compare plans from 30 top A+ rated insurance carriers and bring you the three that fit best. You’ll see real prices and the fine print before you decide anything.

  3. 3

    I stay your agent

    I help with the application and check in when your life changes. If your family ever needs to file a claim, they call me.

Want to understand your coverage options?

Request a conversation or call 480-239-0872

Why people switch to an independent agent

What you can count on from me

You’ll talk to me
Not a call center, and not a new rep every year. The number on this site rings my phone.
I’m not tied to one company
A captive agent can only sell one company’s policies. I can shop 30 top A+ rated carriers, so the plan fits you instead of somebody’s sales target.
Straight answers before you sign
Riders, exclusions, networks and surrender periods, explained in plain English. If something won’t help you, I’ll say so.
It costs you nothing
Quotes and advice are free. The insurance company pays my commission, and your premium is the same as buying direct.
I’m still here after you sign
Policy reviews when life changes, help at renewal, and a familiar voice when your family needs to file a claim.

Questions

Questions people ask me

What's the difference between an independent agent and a captive agent?

A captive agent works for one insurance company and can only sell its policies. An independent agent like me works with many. I have access to 30 of the top A+ rated carriers in the nation, so I can compare their prices and coverage and bring you the three that fit best. Your premium is the same either way.

Do you charge a fee?

No. Quotes and advice are free. The insurance company pays my commission when a policy is issued, and your premium is the same whether you buy through me or directly from the carrier.

How much does life insurance cost?

It depends on your age, your health, how much coverage you want and the type of policy. Term life for a healthy person in their 30s or 40s often costs less than people expect. I'll pull real quotes from several carriers so you can see actual numbers, free.

Do I have to take a medical exam?

Not always. Many carriers now approve some applicants based on the application and database checks, with no exam. Whether that works for you depends on your age, your health and the amount of coverage. I'll tell you up front which route fits.

How much life insurance do I need?

A common starting point is 10 to 12 times your yearly income, plus your mortgage, other debts and what your kids' education will cost. We'll work it out together with your real numbers instead of a generic calculator.

Can you review a policy I already have?

Yes, and I'm glad to. Bring what you have and I'll explain what it covers, what it doesn't, and whether anything is worth changing. Sometimes the right answer is to keep it as it is.

What if I've been turned down before?

One company saying no doesn't mean they all will. Each carrier has its own rules for health conditions and medications. Shopping around for exactly this situation is one of the main reasons to work with an independent agent.

Can you help with health insurance and Medicare too?

Yes. I'm licensed in both life and health, which covers individual health plans and Medicare. Plans and networks change by county, so I check what's offered where you live before recommending anything.

What happens if my family needs to file a claim?

They call me. I'll help them get the paperwork together and stay on it with the insurance company. That's part of the job, and there's no charge for it.

How fast can coverage start?

Some no-exam life policies can be approved in days. Fully underwritten policies take longer because of exams and medical records. Health and Medicare plans start on a set date tied to your enrollment period. I'll give you a realistic timeline before you apply.

Let’s figure out what your family needs.

Call me or send a quick note. You’ll hear back from me, not a call center.

Request a conversation Call 480-239-0872
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