Business Details
45 Years
experience
Your Trusted Insurance Partner in Mount Vernon
Heritage Financial Group has served Washington State residents for over 40 years as an independent insurance broker. Founded in 1981, our firm specializes in connecting clients with reputable insurance providers through personalized service. We offer comprehensive solutions including health, Medicare, dental, vision, life, and disability insurance for individuals, families, and businesses. Our team provides complimentary consultations to help clients understand complex insurance options, compare plans, and select coverage that matches their unique needs.With decades of industry experience, we maintain active memberships in professional organizations like NAIFA and WAHU while prioritizing client education and long-term relationships. Our services cost nothing to clients, as we work directly with leading national carriers to ensure competitive rates and comprehensive coverage options.
Services
Health Insurance
Medicare Plans
Dental Insurance
Life Insurance
Group Benefits
Vision Insurance
Disability Insurance
Details
- Year established: 1981
Highlights and features
- We offer 40+ years of insurance industry experience
- Our services cost clients nothing
- Rates remain the same whether using our services or going direct
- We work with top-rated national insurance carriers
- Personalized guidance through complex insurance decisions
What people say
Quickly paid claims
Great customer service
Sharon and Kelim assistance
Services
Health Insurance
We provide comprehensive health insurance solutions for individuals, families, and businesses. Our team helps clients navigate Washington Healthplanfinder options, understand premium assistance eligibility, and select plans that balance coverage needs with budget constraints. With access to multiple carriers, we ensure personalized recommendations that consider pre-existing conditions, prescription needs, and preferred healthcare providers.
Medicare Plans
Our Medicare specialists assist clients with Original Medicare (Parts A & B), Advantage Plans (Part C), Prescription Drug Plans (Part D), and Supplement policies. We help analyze coverage gaps, compare plan benefits, and make informed decisions during Annual Election Periods. With 40+ years of experience, we simplify complex Medicare options while maintaining relationships with top-rated insurance carriers.
Life Insurance
We offer term, whole, universal, and indexed universal life insurance policies from leading providers. Our approach includes needs analysis to determine appropriate coverage amounts, policy comparisons to match financial goals, and guidance through underwriting processes. We help clients protect dependents, cover final expenses, or create legacy plans while ensuring policy terms align with long-term financial strategies.
Group Benefits
We assist businesses with designing comprehensive employee benefit packages including medical, dental, vision, disability, and life insurance. Our services cover plan comparisons, carrier negotiations, and annual renewals while providing ongoing support for employee claims and benefit questions. As an independent broker, we maintain no-cost services for employers while ensuring competitive market rates.
Dental Insurance
We connect clients with dental insurance plans that cover preventive care, basic procedures, and major dental work. Our team helps compare network dentists, analyze coverage limitations, and select plans that balance premium costs with expected dental needs. We provide guidance on maximizing benefits through preventive care utilization and coordinating coverage with existing health insurance policies.
People
Sharon Hansen
Owner
Sharon founded Heritage Financial Group in 1981 after starting her insurance career with Bankers Life and Casualty. She holds the LUTCF designation and maintains active memberships in NAIFA, WAHU, and local business organizations. With five sons and seven grandchildren, she balances family life with community involvement including Skagit Women in Business and KaBOOM! playground initiatives.
Kelim Markey
Licensed Agent
Kelim joined Heritage Financial Group in 2018 after working as an accountant for Perija Group. She obtained her Washington Health Insurance Producer License and specializes in client education about insurance benefits and claims processes. A native of Venezuela, she graduated from Universidad de Los Andes with a degree in Accounting and Finance while developing strong interpersonal skills through diverse business experiences.
Questions
What insurance types do you offer?
We provide health, Medicare, dental, vision, life, and disability insurance for individuals and businesses.
Do you charge for services?
No, our brokerage services cost clients nothing - premiums remain the same whether using our help or going direct.
How long have you operated in Washington?
We've served Washington residents since 1981 with 40+ years of combined insurance expertise.
Can you help with employer group plans?
Yes, we assist businesses with comprehensive benefit packages including medical, dental, and disability coverage.
Do you work with Medicare beneficiaries?
Yes, we specialize in Medicare Advantage, Supplement, and Prescription Drug Plans with 40+ years experience.
