I have spent months struggling with health insurance, red tape, and clerical errors that weren't…read moremine but left me without insurance. I was at my wit's end recently after being told that I had missed open enrollment (despite having applied before the deadline), and that I couldn't get an exception made. I have medications that I had to stop cold turkey months ago and have been without, and have been dealing with health issues I couldn't really afford to get care for because I was told I had to wait until November for open enrollment to start again. I posted on Facebook asking friends for advice, assuming it was pointless. But then one of them said I should look into a broker - an option I had no idea was available, nor that it was free. I looked through a list of brokers and found Gary Franke and his team; they sounded good, so I requested help from them. And thank god I did, because I tell you what - after months of metaphorically pulling my hair out over how stressful the runaround of insurance was, especially when I don't have much knowledge on the subject - Gary Franke and Heffernan Insurance Brokers had me squared away in a few emails and a single phone call. I couldn't believe how simple the process was. Gary got my information - how much I make a year, what exactly I'm looking for / need help with - and narrowed the insurance plans down to two that he said would be the most affordable and the most helpful for me based on my needs. Then all I had to do was choose from the two, let him know, and he got me enrolled and activated. No fuss, no stress. He was friendly, empathetic, understanding, and answered all of my questions thoroughly and without judgement - even the ones I personally thought were probably dumb questions. He was even willing to discuss my options with a family member that has been trying to help me with the process of getting on insurance, if she had any other questions she wanted to ask him. Even after I was on an active plan, Gary and his team have encouraged me to come to them if I have any further questions, and made sure I know they're available for any other advice I may need in the future. In conclusion, I literally cannot recommend Gary Franke and his team enough. They got done in less than a week - and only took as long as that because I had to make my choice on the plans and slept on it - what I was on the verge of a breakdown trying to do on my own for months. If any of the many people I had spoken to on the myriad of phone calls with WA Healthplan Finder, or any of the insurance companies, had just once suggested a broker, I could have escaped so much stress. If you're on the fence about a broker - do it. It's so worth it, and you can't go wrong with Heffernan Insurance Brokers, and Gary Franke and his team. They are extremely knowledgeable about all this stuff, and genuinely want to help you with what you need and where you're at. There's a reason they have so many 5-star reviews here; and I promise that those reviews are telling the truth, because I know mine is. Reach out to them. I promise you won't regret it.

Buyer beware, Gary is unethical. Back in 2017, I moved to Bellevue Wa. and was in need of health…read moreinsurance. New to the game I was unaware broker's fees are paid by the health insurance companies. Tamara, who works with Gary, was the agent of record and did a good. However, months after I get a call from Gary stating, "Tamara forgot to bill you." Not knowing, I gave him my credit card info and was billed $75... Pretty slimy for a whopping $75. I would have sued if still live nearby.

Farmers New World Life Insurance Company…read more I cannot imagine a worse customer response company than Farmers for Long Term Care Insurance, I am attempting to help with simile claims submitted per their process. Getting to know when they reimburse the insured for submitted claims, where are the checks they claim they sent, how to stop payment on all those checks that were never delivered and reissue replacement checks etc., for two elderly gentlemen in their mid 80's with Alzheimer's is like talking to a stump. I make calls and get transferer to what I assume are answering service persons out of the country who cannot help me and place me on hod for excessive periods of time only to tell me all the mangers are too busy to take my call and to give them a date in the future when they will call me. Insurance companies control a large amount of the world's finances, and it is evident they plan to control those funds by delaying payment as long as they can by not putting an individual on the phone who is incapable of answering a few simple questions. Ther are a lot of Long-Term Care Insurance Companies out there; don't spend over 20 years paying into a fund such as Farmers when their systems cannot answer simple questions.

Worst life insurance company, been a customer for over 20 years and the agent cancelled my policy…read morebecause I wasn't willing to pay his rate increase; would not work with me to help find a better rate!

I contacted the Pacific Insurance Group about Term Life Insurance for my daughter and son-in-law…read more They provided exactly the information I was looking for. Carter arranged a Zoom conference call and we could talk and see each other. All my questions were answered and I felt that these are people who will listen and then look for the best options for me. They zeroed in on my challenges and gave me specific option. Highly recommended when you need personal service.

SO informative and helpful. Lauren made the Medicare process go smoothly and quickly!read more

Ken in amazing!! So easy to work with.. He is SO quick to reply to emails even DURING open…read moreenrollment! I was a referred to him by a friend and could not me more grateful. He made a DAUNITNG task easy and stress free and now I have great insurance for the new year! Ask Ken he will help you!!

Ken helped navigate us through the complex process of choosing healthcare. I found his experience…read moreinvaluable in understanding what type of coverage would be the best fit for our personal situation. Recommended!

This is the latest review and it is not a good one. I spoke to Michael Wong, he was rude and…read moredismissive and not helpful. He kept mispronouncing my name and I corrected him several times. He purposely mispronounced to be insensitive and stupid. I wouldn't deal with someone who lacks patience and empathy.

Michael was very helpful and friendly. He explained the options and gave me some great information…read moreabout earthquake endorsements. He responded within a few minutes of my request on Yelp. It was a fantastic experience. I was shocked how cheap the policy is and how much coverage it provides. It's less than half the cost of my previous coverage and covers more.

I'm a small business owner in Bellevue, and I needed to make a change to my existing policy. The…read morebroker we started with was unresponsive and when he did respond, gave me information that seemed suspicious and would also have drastically increased my premiums. I called Dee at Pro Benefits and she jumped on helping us on the spot. Within an hour of our first conversation, she sent me an update on the steps she'd taken to look into a solution. All of this was in the middle of the COVID-19 early days of the shutdowns, and while she was working remotely. I felt like a valued client before I was ever an official client at all! By the end of the day I'll have officially ditched the other guy and switched to Pro Benefits. I have high standards for professionalism and service as a business owner myself. These folks impressed me.

Very good service. Always on top of things. Highly…read morerecommended. They have been my broker for a few years now and I couldn't be more pleased. Always refer people to them too.

I'd say maybe watch your back? Behind the five-star façade seem to be folks who talk trash about…read moreclients, and an owner who seems ok with it. I will spare you all of the bizarre details except that I was a 25-year SF client who'd just switched to this agent when an employee accidentally sent me an in-house email she'd written about me to someone else. It was incoherent, full of profanity and impatience about me for reasons that are still totally mysterious. It seemed to be putting her out that I wanted to buy a policy? Lots of weirdness ensued until I finally got a message from Karrie Dubose, and her response was terse and cold, no apology, then totally ignored my question about the policy itself. Honestly I'm still mystified! I found another SF agent and he's been awesome.

Karrie and her team are the best. They go above and beyond for their customers. Great serviceread more

I would give NO STARS if Yelp allowed that. I have been a customer with Symetra Life Insurance for…read moreover 25 years. I am 57 years old, and in good health, but my premium just went up with just 28 days notice. Not went UP, but SIGNIFICANTLY went UP. My monthly premium went from $37 to $560 with little notification. What a great way to do business. I WOULD RECOMMEND NO ONE USES SYMETRA for Life Inusrance coverage.

I have an IRA account with a small amount of money in it, that I should be able to access now…read morewithout penalty. Think twice before sinking any of your $ at all in this company. In order to get your money out, they want to know down to the penny the amount of money you started the account with, the date, and the exact amount down to the penny of the last transaction. Not be able to tell them 2 of the 3 asks - you cannot access the $ that is rightfully yours. Who keeps track of this kind of minutia for 30 or 40 years? I understand needing to verify identity - but that doesn't involve this kind of bean counting at any other financial institution. In addition - to get to this point I had to be transferred twice, and then since it was close to closing hours the last phone rep simply hung up on me. Nice.

Poor customer service, did not have my home insurance accurately captured. Assured me over and over…read moreagain that all my vehicles were covered drove 3 months with one not covered. What was quoted was not even close to actual monthly rate. Ended up going to another State Farm agent who was shocked of the errors

I have had very good experience since switching to Hayk Insurance about 6 months ago. I have saved…read morea lot of money versus my previous insurance. They also included earthquake insurance for only a little extra. I have had phone conversations and email exchanges with Jacob and Jamie. Both were easy to get in touch with, and they were always able to answer any questions that I had. Overall I am very happy with this insurance company and would not hesitate to recommend them to others.

I've been a customer for over a decade. My original agent left but i…read moreI returned and received amazing service from Laura Young. Highly recommend!

Thanks so much to Jessica Martinez for the professional service she had provided while we were…read morebuying our policy. I appreciated how through she was in giving us all options.