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Frontier Life & Benefits Group
Licensed Insurance Brokerage · WA · OR · CA

Protection built for real life

Life insurance, health coverage and retirement solutions tailored to your needs — with clarity, care and a commitment to your long-term security.

5+ Markets Served
WA · OR · CA + TX · AZ · MI & Growing ▾
100% Client Focused
Explore Coverage
State Licensed Brokerage
Independent Brokerage
Access to Multiple Carriers
Families & Individuals Served
1
Growing your family — and wondering who protects them if the unexpected happens?
Term and whole life coverage starts at less than a coffee a day.
2
Just bought a home — what happens to the mortgage if tragedy strikes?
A term life policy can match your loan term exactly, so your family never has to worry about losing the house.
3
Have a 401(k) sitting idle at a job you've already left?
Roll it into an annuity — tax-free, penalty-free and guaranteed income for life.
4
Turning 65 and unsure which Medicare plan is actually right for you?
We walk you through Advantage, Supplement and Part D — side by side.
5
Ready to build real tax-free wealth — or protect the legacy you've built?
IUL grows with the market, with a floor so you never lose ground.
6
Need health coverage for your employees — without breaking the budget?
We compare top carriers and apply sharp analytical expertise to find the most competitive coverage for your team.

Sound familiar? Let's find your fit.

A free 15-minute conversation is all it takes.

How We Can Help

Coverage for every stage of life

At Frontier, our team guides you through every stage — protection, wealth building and planning for what comes next.

Life Insurance

Term, Whole Life and IUL (Indexed Universal Life) — protection for your family that also builds tax-free wealth tied to market growth, with no risk of loss.

IUL · Term · Whole Life
Health Insurance

Individual and family ACA Marketplace plans, short-term coverage and group health options — we shop across carriers to find your best value.

ACA · Individual · Family
Medicare Solutions

Medicare Advantage, Part D prescription plans and Medicare Supplement (Medigap) — navigating Medicare is complex; we make it simple.

Advantage · Part D · Supplement
Annuities

Guaranteed income you can't outlive. Our team helps you choose fixed, indexed or deferred annuities — so retirement feels secure, not uncertain.

Fixed · Indexed · Deferred
Final Expense

Affordable whole life coverage designed to cover funeral costs and end-of-life expenses — giving your family peace of mind when they need it most.

Whole Life · Burial Coverage
Legacy & Estate Protection

We help you identify the right life insurance solutions for wealth transfer and beneficiary planning — working alongside your estate attorney to make sure your coverage and legal strategies are fully aligned.

ILITs · Wealth Transfer · Beneficiary Planning
Have an old 401(k) from a previous employer?
You can roll it directly into an annuity — tax-free and penalty-free. Lock in guaranteed income for retirement instead of leaving that money sitting idle or exposed to market risk.
Life Insurance — A Closer Look
Term Life
Simple, affordable protection for a defined period.
  • Coverage for 10, 20, or 30-year terms
  • Lowest premiums of any life product
  • Ideal for income replacement & mortgage protection
  • Best fit: Young families, new homeowners
Whole Life
Lifelong coverage with guaranteed cash value growth.
  • Coverage that never expires
  • Builds guaranteed cash value over time
  • Premiums are fixed for life
  • Best fit: Estate planning, lifelong dependents
Indexed Universal Life IUL
Life insurance that also builds wealth — protection meets tax-free growth.
  • Cash value grows based on a market index (e.g. S&P 500)
  • Floor protection — your money never loses value due to market dips
  • Build tax-free retirement income you can't outlive
  • Flexible premiums & adjustable death benefit
  • Best fit: Wealth building, tax-advantaged retirement, legacy planning
Free Assessment
Not sure which policy is right for you?
4 questions · Results instantly · No obligation

Group coverage for your growing team

As your business grows, so do your responsibilities to the people on it. We help employers compare group medical, dental and vision plans across carriers — building a benefits package that fits your budget and keeps your team covered.

Group Medical

Comprehensive medical coverage for your employees, compared across top carriers to find the plan that fits your team and your budget.

PPO · HMO · HDHP
Group Dental

Preventive and major dental coverage that helps your team stay healthy and keeps unexpected costs down.

Preventive · Major Services · Orthodontia
Group Vision

Affordable vision coverage — eye exams, glasses and contacts — as part of a complete benefits package.

Exams · Glasses · Contacts
For Employers
Same independent, no-cost approach
We're compensated by carriers, not by you or your business.

Why not just go with New York Life?

With a big carrier, you get one company's products, at their price, with no one in your corner. With Frontier, you get quotes from top carriers — compared side by side, explained in plain language, with a team that sticks around long after you sign.

01
No Cost to You

Working with Frontier comes at no extra cost to you. Brokers are compensated by insurance carriers — so our guidance, comparison shopping and enrollment support are completely free.

02
More Choices

We work with multiple carriers so we compare plans side-by-side and present the most competitive options for your needs and budget.

03
Year-Round Support

Questions don't only arise during open enrollment. We're available throughout the year for claims help, plan changes and life events.

04
Actuarial Insight

With nearly 10 years in the insurance industry and a background in actuarial consulting, we read plan documents, cost structures and risk differently — giving you an analytical edge most brokers simply can't offer.

We work for you — not the insurance companies

We're an independent brokerage licensed in Washington, Oregon, California and growing. With nearly 10 years of experience in the insurance industry and a background in actuarial consulting, we bring analytical precision and deeply personal attention to every client relationship. Insurance decisions are some of the most important choices you'll ever make — the kind that protects your family, secures your future and provides peace of mind when it matters most. You shouldn't have to navigate them alone.

Transparency

No jargon, no pressure. Clear options so you decide with confidence.

Independence

Not tied to any single carrier — we shop top carriers and bring you the most competitive offers.

Expertise

Actuarial background means we understand the numbers behind every plan.

Advocacy

From enrollment to claims, we stay in your corner long after you sign up.

"Coverage that makes sense for your life — not just the cheapest box to check."
Our guiding philosophy
Licensed in WA · OR · CA & Growing
Nearly 10 Years Insurance Industry Experience
Actuarial Background — Analytical Edge

Let's find the right plan for you

Schedule a free consultation. We'll review your situation, answer your questions and walk you through your best options.


Service Area
Washington · Oregon · California & Growing
Book a Call
Schedule directly via Calendly or call us at
(425) 475-2577
Email Us
Darleen@frontierlifegroup.com
Available For
Individual, Family & Medicare Consultations

Book a Consultation

Pick a time that works for you — we'll take it from there.

Schedule your free consultation

Choose from available times on our calendar.
15 or 30-minute sessions available.

or
Frontier Life & Benefits · Free Assessment
Which coverage is right for you?
4 quick questions · No obligation · Results instantly
Question 1 of 4
What best describes where you are right now?
Question 2 of 4
What matters most to you in a policy?
Question 3 of 4
What's a comfortable monthly budget for coverage?
Question 4 of 4
How would you describe your general health?
Almost there
Where should we send your results?
Licensed in: WAAZCAMIORUTTX
Questions about coverage? Chat with us — it only takes a minute.
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Frontier Assistant Usually replies within a few hours