Life Insurance

For the average consumer it is extremely difficult to figure out how much Life Insurance is needed, and what type of policy should be purchased. This topic seems very simple on the outside and becomes confusing for the consumer once discussion of product begins. A common question may be “What product is best”, when consumers need to ask, “What product is best for me?”. All Life Insurance products have their place, whether you’re starting a family or preparing for retirement, the Insurance Agents at Carlson & Associates will help you find what you’re looking for even if you have no idea.

Understand what type of needs life insurance can fill for you or your family

Life Insurance Types

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Indexed Universal Life Insurance

Reasons to Consider Life Insurance

  • Protection against outstanding debt
  • Replacement of income from spouse
  • Supplemental Retirement Income
  • College Funding for Children or Grandchildren
  • Funeral Expenses
  • Unexpected Medical Expenses

Term Life Insurance

Term life insurance provides affordable, temporary coverage. Term life contains no cash value and has death benefit protection only. This might be exactly what a young couple needs who have just purchased their first home, but it’s always important for consumers to understand what they have. Many people are offered term life insurance, and have a rude awakening at retirement when they see their policy end or premium go through the roof.

Whole Life Insurance

Whole life is a form of permanent life insurance. Premium and death benefit is sure to be fixed and level with this type. There is internal cash value that grows at a guaranteed interest rate.

Universal Life Insurance

The unique characteristic of any universal life is flexibility. Consumers can be flexible with their premiums and can under or over-fund their policy. Universal life has an opportunity to grow cash value and collect interest on a tax-deferred basis. Why over-fund? With any UL, your premium goes into two sections; insurance and a cash value. Overfunding gives your policy an opportunity to grow your cash value and capture higher rates of interest. Over time this can be very valuable and a compounding effect can occur. On the other hand, if you’ve paid into a policy for a period of time, you may be able to stop paying premiums altogether, or withdraw cash value to supplement income. It all depends on what your goal is. Much more often than not, universal life is written on a permanent basis.

There are many different options for life insurance and it can be a lot to sort through. Have one of our independent agents help you find a quality company with a product that will fit your needs.

  • Kevin Owens is amazing! I was faced with one of my life insurances ending and they were going to charge me a quadruple monthly fee to continue. He took both of my... read more

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    Rhonda
  • 5 star ratingWe recently moved to Gig Harbor from California. Antone Saltvick has been extremely helpful in making sure all of our insurance needs have been covered.

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  • Betsy Hytinen and Pam Pyle are the best insurance ladies ever! They are on top of their game, and quick to getting you the best insurance possible. 10/10 recommend!

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    Chloe
  • Betsy and Pam are always extremely helpful and knowledgeable, they make sure my policy has me covered where needed and that I am getting the best price available! I highly recommend Carlson and Associates!!

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    Allyson
  • As the administrative director for Blackstone Construction I have the privilege of working closely with Amy Haugen. Amy has been nothing less than stellar in regards to her customer service! Amy is friendly & attentive,... read more

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  • Kevin Owens is my go-to insurance agent for all my insurance needs. He is very professional, responsive, and takes care of everything for me (which I LOVE!). Not only does he help my family and... read more

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  • 5 star ratingKevin Owens who is a broker at this agency is amazing with what he knows in regards to life insurance. It's obvious it's not all about him making money on a policy as he... read more

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  • Kevin Owens is the best insurance agent we have had in 40 years. He has always searched for the most cost effective insurance which has saved us a lot of money, and he has... read more

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  • Amy Haugen is so wonderful to work with, she is easy to get ahold of and very prompt in her responses. She even reshoped my insurance this year and saved me over $1,000!

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  • Great experience dealing with Antone Saltvick for my business insurance. He came in with a better price with more coverage than any other agent I talked to. He was super responsive and quick to get... read more

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  • Kevin Owens has handled all of my family’s insurance needs for several years. I have found that having a single “expert” who can provide comprehensive strategy and support for home, auto, life, umbrella and more... read more

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    Matthew
  • Kevin Owens has been my agent for about two years. He has proven to me time and again that he truly values his clients. He remains responsive and proactive and has never yielded in his... read more

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    RBerr
  • Service was awesome. Great experience all around. Definitely would recommend to anyone

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  • Nine years ago, we were shopping for a new broker and insurance carrier when we met with Larry Carlson. He told us he could help with all our insurance problems, from invoicing to coverage.... read more

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  • 5 star ratingOver the past 30 years I have had numerous brokers assist with my professional liability insurance needs. Larry Carlson is the first broker that takes the time to form relationships. I'm a firm believer that... read more

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  • 5 star ratingMy husband and I own a small business and we have nothing but excellent things to say about working with Antone. He not only helped us with our insurance needs for the business but our... read more

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  • I have used Carlson and Associates for years and have had nothing but great experiences. They continue to get me the most competitive rates and their customer service is impeccable!

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  • Thank you Antone for shopping around and landing us a GREAT deal on our Auto Insurance!

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  • Amy and Carlson Associates has been nothing but amazing. Amy answers emails as fast as we hit send and goes above and beyond to help us. We are in our first year of... read more

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  • Awesome customer service! We had a fairly complex situation while changing auto plans and buying a new home. Antone was very quick to respond and provided everything we needed! Not to mention, saved us a... read more

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  • I am writing this review because this company, and particularly the agent Kevin Owens are exceptional! I have worked with a number of agents throughout the years and find that Kevin is fast, knowledgeable,... read more

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  • Betsy and Pam take such great care of our Family's insurance needs!

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  • Amy Haugen at Carlson & Associates has always provided my company with excellent customer service! She is very attentive to my needs and always prompt to respond with solutions that works for me. Her knowledge... read more

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  • Kevin Owens is second to none as an insurance agent. I cannot recommend him enough! He is incredibly responsive and has an impressive breadth of knowledge around all forms of insurance. He is who I... read more

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  • 5 star ratingI've been a customer of Carlson and Associates since moving to Gig Harbor 5 years ago. I currently work with Antone who is fantastic! He listens to what we are needing in regards... read more

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  • I had a great experience, thank you Antone Saltvick! He’s amazing and helped me find a good deal for auto insurance! I highly recommend!

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  • I have been working with Antone Saltvick for the last 4 years and it has been a great experience. He helped me get more coverage than I had before at a better price. ... read more

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