Allstar Financial Insurance

What Allstar Financial Insurance does

Allstar Financial Insurance is a privately held, independent insurance brokerage founded in 1993 and headquartered in Kirkland, Washington, serving individuals, families, small businesses, and seniors across the Puget Sound Region. The firm is owned and operated by Lautheree Gillespie with JR Gillespie serving as Primary Associate; the firm operates with 1-10 employees from a single office at 9805 NE 116th Street #206. The company's core business is commission-based insurance brokerage, representing 20+ insurance carriers including Premera Blue Cross, Regence Blue Shield, Kaiser Permanente, Aetna, United Healthcare, Humana, Delta Dental, VSP, and Mutual of Omaha, among others.

The firm's product portfolio spans seven core categories: Individual & Family Health Insurance (ACA-qualified plans through Healthcare.gov and Washington Health Plan Finder), Employee Benefits and Group Insurance for small businesses, Dental & Vision Insurance, Life Insurance (Term, Whole Life, Universal Life, Final Expense), Medicare Plans (Advantage, Supplement, Part D, Special Needs Plans), Retirement Solutions (Indexed Annuities, Indexed Universal Life), and Travel Insurance. Beyond traditional carrier products, the firm has expanded into alternative offerings including KonnectMD (a membership-based telehealth subscription product with tiers from $59.99-$149.99/month), True Freedom Homecare (a homecare plan starting at $95/month), and Non-ACA Affordable Healthcare Options (health-sharing ministries, association plans, and limited medical plans).

The business model is commission-based, with revenue generated through commissions on new insurance policy sales and recurring renewals from carrier partners. The go-to-market is sales-led, relying on free consultations delivered via phone, online contact forms, and in-person meetings at the Kirkland office, supplemented by a self-service online Shop portal that links to carrier quote tools (HealthSherpa for ACA, PlanEnroll for Medicare). The firm also employs content marketing through blog posts and educational articles on Medicare, life insurance, and small business benefits to drive top-of-funnel awareness. Customer segments include individuals and families, small business owners, seniors approaching Medicare eligibility, and self-employed/1099 contractors, with a hybrid segmentation approach across the Puget Sound region. The firm reports no AI/ML capabilities, no proprietary technology platform, and no public API.

Name

Allstar Financial Insurance

Legal name

Allstar Financial Insurance

Website

https://www.allstarfinancialinsurance.com

Company type

Private

Founded year

1993

Operating status

Operating

Headcount range

1–10 employees

Short description

Allstar Financial Insurance is a Kirkland, Washington-based independent insurance brokerage founded in 1993 that represents 20+ carriers to provide health, life, Medicare, dental, vision, and retirement insurance to individuals, families, small businesses, and seniors across the Puget Sound Region.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Whole Life Insurance (FSAIABAA)

akta.pro secondary industries

Guaranteed Issue Term Life Insurance (FSAIAAAG), Universal Life (UL) Insurance (FSAIABAB), Whole Life / UL Policy Riders & Add-ons (e.g., Waiver of Premium, Accidental Death, Child Term, LTC/Chronic Illness) (FSAIABAK)

Keywords

• Health insurance brokerage
• Medicare insurance plans
• Employee benefits
• Life insurance brokerage
• Insurance advisory services

Headquarters

HQ city

Kirkland

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: As an independent insurance brokerage, Allstar Financial Insurance earns commissions from insurance carriers for policies sold. They represent multiple carriers including Premera Blue Cross, Regence Blue Shield, Kaiser Permanente, Aetna, Humana, and others. Revenue is generated through commissions on new policy sales and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Allstar Financial Insurance is an independent insurance brokerage that sells health, life, Medicare, dental, vision, travel, long-term care, retirement, and small-business employee-benefits insurance sourced from 20+ carriers, supported by free personalized consultations and online quoting tools for individuals, families, seniors, self-employed individuals, and small businesses in the Puget Sound Region of Washington state.

Product overview

Allstar Financial Insurance is a traditional insurance brokerage firm, not a technology platform. The company operates as a licensed insurance agency offering personalized advisory services and a portfolio of insurance and financial products across multiple categories. Their product portfolio centers on insurance brokerage services including Individual & Family Health Insurance (ACA-compliant plans), Employee Benefits and Group Insurance for businesses, Dental & Vision Insurance, Life Insurance (Term, Whole Life, Universal Life, Final Expense), Medicare Plans (Advantage, Supplement, Part D), Retirement Solutions (Indexed Annuities, Indexed Universal Life), Travel Insurance, Non-ACA Affordable Healthcare Options (health share ministries, association plans, limited medical plans), Long Term Care Insurance, and Homecare Services (True Freedom). They also offer KonnectMD, a membership-based telehealth alternative. The company differentiates through free consultations and represents multiple insurance carriers including Premera Blue Cross, Regence Blue Shield, Kaiser Permanente, Aetna, United Healthcare, Humana, and others. No AI/ML capabilities or public API are offered.

Differentiator

Problem solved

Functional benefit

Products and services

• Individual & Family Health Insurance Medical insurance coverage for individuals and families, including ACA-qualified plans offered through Healthcare.gov and Washington Health Plan Finder, with options for pre-existing condition coverage and dependent coverage to age 26.
• Employee Benefits and Group Insurance Group health insurance and employee benefits consulting for businesses, including insured and self-funded health plans, group life insurance, dental, vision, disability plans, 401(k), payroll services, cafeteria plans, and voluntary benefits, targeted at small businesses in the Puget Sound Region.
• Dental & Vision Insurance Dental insurance plans from carriers including Bright Benefits, Delta Dental, Multiflex, and Ameritas, plus vision coverage through Bright Benefits and VSP, for individuals and groups.
• Life Insurance Life insurance products including Term Insurance for temporary coverage needs, Whole Life Insurance with cash value accumulation, Universal Life Insurance with flexible premiums, and Final Expense Insurance for funeral costs.
• Medicare Plans Medicare-related insurance products including Medicare Advantage (Part C), Medicare Supplement/Medigap plans, Medicare Part D prescription drug plans, and Special Needs Plans for dual-eligible beneficiaries.
• Retirement Solutions Retirement planning products including Indexed Annuities with stock market-linked returns without downside risk, and Indexed Universal Life with Living Benefits providing tax-free retirement income and death benefit protection.
• Travel Insurance International travel medical insurance providing coverage outside the United States, available through imglobal.com.
• Non-ACA Affordable Healthcare Options Alternative healthcare coverage options including specified-benefit limited medical/indemnity plans, association-sponsored health plans for ages 55–64, and health care sharing ministry plans offering 30–50% savings versus ACA plans.
• Long Term Care Insurance Long-term care insurance covering services not included in Medicare, including traditional LTC insurance, life insurance with LTC riders, annuities with LTC riders, and homecare-only policies.
• Homecare Services (True Freedom) Home healthcare plans providing up to 1,500 hours of care starting at $95/month (Bronze Plan), offering an alternative to traditional long-term care insurance with no medical underwriting required.
• KonnectMD Membership-based healthcare offering virtual physician access, zero copays, family coverage (up to 7 members including children to age 26), specialist access, and prescription medications. Available in Silver ($59.99/mo), Gold ($79.99/mo), Platinum ($99.99/mo), and Titanium ($149.99/mo) tiers.

Quantifiable outcome

• Individual clients have reduced premiums by 15-18% by switching to tailored plans
• +1 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

24 partnerships are on record, tiered core and minor.

• Premera Blue CrosscoreChannel Partner/ Reseller/ DistributorHealth insurance carrier offered through Allstar Financial Insurance. Provides Medicare Advantage and Medicare Supplement plans.
• Regence Blue ShieldcoreChannel Partner/ Reseller/ DistributorMajor health insurance carrier offered through Allstar Financial Insurance for individual and Medicare plans.
• Kaiser PermanentecoreChannel Partner/ Reseller/ DistributorHealth maintenance organization offered through Allstar Financial Insurance for individual and Medicare plans.
• AetnacoreChannel Partner/ Reseller/ DistributorNational health insurance carrier offered through Allstar Financial Insurance for Medicare Advantage and individual health plans.
• HumanacoreChannel Partner/ Reseller/ DistributorMedicare Advantage carrier offered through Allstar Financial Insurance with HMO and PPO options including dental, vision, and SilverSneakers.
• United HealthcarecoreChannel Partner/ Reseller/ DistributorNational health insurance carrier offered through Allstar Financial Insurance for small business and individual plans.
• Delta DentalcoreChannel Partner/ Reseller/ DistributorDental insurance carrier offered through Allstar Financial Insurance for individual and group dental plans.
• WellcarecoreChannel Partner/ Reseller/ DistributorMedicare Advantage and Part D prescription drug plan carrier offered through Allstar Financial Insurance.
• SilverScriptcoreChannel Partner/ Reseller/ DistributorMedicare Part D prescription drug plan carrier offered through Allstar Financial Insurance.
• AmerigroupcoreChannel Partner/ Reseller/ DistributorMedicare Advantage carrier offered through Allstar Financial Insurance, specializing in dual-eligible special needs plans.
• Molina HealthcarecoreChannel Partner/ Reseller/ DistributorMedicare Advantage and Medicaid carrier offered through Allstar Financial Insurance for low-income beneficiaries.
• VSPcoreChannel Partner/ Reseller/ DistributorVision insurance carrier offered through Allstar Financial Insurance for individual vision plans.
• Bright BenefitscoreChannel Partner/ Reseller/ DistributorDental and vision benefits carrier offered through Allstar Financial Insurance for guaranteed acceptance plans.
• AssurantcoreChannel Partner/ Reseller/ DistributorHealth insurance carrier mentioned as available through Allstar Financial Insurance.
• BridgespancoreChannel Partner/ Reseller/ DistributorHealth insurance carrier available through Allstar Financial Insurance.
• Coordinated Care AmbettercoreChannel Partner/ Reseller/ DistributorHealth insurance carrier available through Allstar Financial Insurance for individual plans.
• Mutual of OmahacoreChannel Partner/ Reseller/ DistributorMedicare Supplement insurance carrier offered through Allstar Financial Insurance.
• PlanEnrollcoreTechnology or IntegrationOnline Medicare plan enrollment platform integrated with Allstar Financial Insurance website for Medicare plan comparisons and enrollment.
• HealthSherpacoreTechnology or IntegrationHealth insurance marketplace integration used by Allstar Financial Insurance for ACA plan quoting and enrollment.
• BHT TrustcoreChannel Partner/ Reseller/ DistributorAssociation health plan trust offered through Allstar Financial Insurance for small businesses.
• WAHITcoreChannel Partner/ Reseller/ DistributorWashington health insurance trust offered through Allstar Financial Insurance.
• StarmarkcoreChannel Partner/ Reseller/ DistributorEmployee benefits carrier offered through Allstar Financial Insurance for small business plans.
• KonnectMDminorStrategic or Co-development PartnerMembership-based healthcare alternative offered through Allstar Financial Insurance. Provides virtual physician access and prescription services for those who cannot afford traditional insurance.
• True Freedom Home HealthcareminorChannel Partner/ Reseller/ DistributorHome healthcare plan offered through Allstar Financial Insurance as an alternative to traditional long-term care insurance.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• HealthMarkets: National independent insurance brokerage distributing health, Medicare, life, and supplemental products from multiple carriers to individuals, families, and small businesses — directly comparable model to Allstar's multi-carrier, multi-line brokerage approach.
• SelectQuote: Independent brokerage platform focused on life, Medicare, and supplemental insurance distributed through carrier partnerships, with a similar commission-driven revenue model and free-consultation GTM.
• GoHealth: Medicare-focused insurance brokerage selling Advantage, Supplement, and Part D plans across multiple carriers using licensed agents and digital tools — competes directly with Allstar's Medicare product line.
• eHealth: Online health insurance marketplace distributing ACA, Medicare, and individual/family plans from multiple carriers — overlaps with Allstar's individual health and Medicare products and partners with similar technology platforms (HealthSherpa).
• Goosehead Insurance: Independent personal-lines insurance agency/franchise model distributing home, auto, life, and other products across multiple carriers via licensed advisors, similar in structure to Allstar's multi-carrier agency model.
• Brightway Insurance: Franchise-based independent insurance agency distributing home, auto, life, and commercial products from multiple carriers — comparable multi-carrier advisory brokerage model.
• OneDigital: National employee benefits brokerage providing group health, retirement, and benefits consulting to SMB and mid-market employers — overlaps with Allstar's employee benefits and group insurance practice.

Emerging players

• Policygenius: Digital-first insurance marketplace specializing in life, disability, and supplemental products, competing with Allstar on life insurance distribution with a tech-native experience.
• Insureon: Online small-business insurance brokerage distributing health, liability, and worker benefits across multiple carriers — directly comparable to Allstar's SMB benefits product line.

Regional players

• BridgeSpan Health (Cambia Health): Regional health insurance carrier serving the Pacific Northwest including Washington, comparable to Allstar's core market though operating as a carrier rather than a brokerage — relevant ecosystem peer.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/allstarfinins
• Facebookfacebook.com/ALLSTARFinancialInsurance
• LinkedInlinkedin.com/company/allstar-financial-insurance

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Allstar Financial Insurance