https://www.spearsagencyllc.com/contact daily 0.75 2023-01-21 https://www.spearsagencyllc.com/our-team daily 0.75 2025-05-20 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559019327-FA94XM0WQJ8E4QE2HGJN/Sarah%2BJax.jpg Our Team - It begins with a passion to help others. Our team is led by lifelong NW resident and Agency Owner Sarah Spears. Sarah has over 10 years of experience in managing insurance programs and is now a full-time agent. Her passion lies in helping people protect their assets through home, auto, umbrella, life, business insurance, and more. Sarah is joined by the other members of the Spears Agency team including Heidi Bolton, Janet Tyler, Jerry Wirkkala, Tailor Kramer, and Sarah’s beloved dog, Oliver, who often accompanies her to work and serves enthusiastically as the agency mascot! Have questions? Give us a call at (360) 794-8581 or email at sarah@spearsagency.com https://www.spearsagencyllc.com/lifeinsurance daily 1.0 2025-05-12 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559025981-MBGDATHYA37TMMQPNNMB/jimmy-dean-4Oxf-RpTnvY-unsplash.jpg Life Insurance - What do you love about your life? If all goes according to plan, you’ll pay off the mortgage, put your kids through college and enjoy a long retirement. But you know the unexpected could happen, and do you have a strategy for your family’s future if they must go on without you? Life Insurance may be an important part of that strategy and protecting the things you love. https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559025995-IKWXDMD5OKW3132VKUPH/AdobeStock_164972444.jpeg Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559025999-2H04XLE5JFEOJT480ZBB/alexander-dummer-UH-xs-FizTk-unsplash.jpg Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559026002-UQEH1CKBJQI1GBW3O158/dominik-lange-VUOiQW4OeLI-unsplash.jpg Life Insurance https://www.spearsagencyllc.com/long-term-care daily 0.75 2023-05-01 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682713496744-6K87OQAXU8H31COKBIES/unsplash-image-BxXgTQEw1M4.jpg https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/3f1c2923-8c15-4c63-8ba7-37ac6ccebd36/LTC+Options.png https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559016099-WG0KLOJ3VLZW00IKS7U8/dominik-lange-VUOiQW4OeLI-unsplash.jpg Long Term Care https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559016114-SPJN1T5IG0BBUF9DIL57/tyler-nix-V3dHmb1MOXM-unsplash.jpg Long Term Care https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1670559016127-IVPK0OGXMEL5ZWD0ZEO8/national-cancer-institute-NFvdKIhxYlU-unsplash.jpg Long Term Care https://www.spearsagencyllc.com/juvenile-life-insurance daily 0.75 2023-05-03 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/2b1b7406-9f54-423d-a768-6deae0d12366/nathan-dumlao-Wr3comVZJxU-unsplash.jpg Juvenile Life Insurance - What is a juvenile life insurance policy? Juvenile life insurance is permanent life insurance policy, that insures the life of a child. It can also be used as a financial planning tool. The policy includes a savings feature that accrues tax-deferred cash value that the policy holder can withdraw funds at any time.* *Provided the policy remains active, adequately funded, and in good standing. https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673128625395-LA85RD9GQG7AFML857JO/unsplash-image-iDCtsz-INHI.jpg Juvenile Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673129032961-6IHP569BZDRCABJG6VH3/unsplash-image-M1jCmRxO7cY.jpg Juvenile Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673130361463-WEWO7OC96BQ9IUN1PD9S/unsplash-image-lCPhGxs7pww.jpg Juvenile Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673130486002-5CQLPX373D29XIXD6VDF/unsplash-image-joqWSI9u_XM.jpg Juvenile Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673130822133-JTCX5XEPU3GHARVWZKXT/unsplash-image-rgJ1J8SDEAY.jpg Juvenile Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673131083872-OIL2HYKN28V9LF3SWZ23/unsplash-image-eUjT8kweNlg.jpg Juvenile Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/7e58eead-3cf2-4231-b4cb-a5301aa801ab/unsplash-image-vVHXeu0YNbk.jpg Juvenile Life Insurance https://www.spearsagencyllc.com/auto daily 0.75 2023-05-01 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675135587244-HNVI7VE33JEDZBYY594I/unsplash-image-a4S6KUuLeoM.jpg Auto - It can be difficult to shop for insurance if you’re not sure what the different types of auto insurance are. https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136564395-9E5NCEO5RJ8STNNM4AE5/unsplash-image-x5GdvJ-taiQ.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136611771-5QSVSERYBINT4CCRR15D/unsplash-image-O7WzqmeYoqc.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136657497-S1WXYR8YEGDO99AORNS2/unsplash-image-3vlGNkDep4E.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136685975-D38BZ0G3EL9SR0UQ3UTB/unsplash-image-3g7aP0GrdyY.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136849037-MNY6FWOA1R6RRYGA3YZ9/unsplash-image-IkW3hCCjVzU.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136944856-AFVR5HOOR7QJE6NVBHK5/unsplash-image-YH1KID3mTpY.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136993179-KUIGIC5NCP0KN0T4CXCE/unsplash-image-XLW1d4eWVy0.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675137242774-18VVYZWADRRVGHMQR2OJ/unsplash-image-3WAMh1omVAY.jpg Auto https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682969243912-PRG9V7XHZT4A9S1F2GLS/unsplash-image-zGzXsJUBQfs.jpg Auto https://www.spearsagencyllc.com/key-person daily 0.75 2023-05-03 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/7062076f-b954-4e19-af6c-ffd1492881b0/adam-winger--THiqda3iGM-unsplash.jpg Key Person Insurance - What is Key Person Business Life Coverage? Key person insurance is a life insurance policy that a company purchases on the life of an owner, founder, executive, or any individual considered critical to business function. The company pays the premiums and is the beneficiary of the policy. These premiums can be used as a financial cushion for any expense associated with the passing of the key individual. https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/885dacae-1686-4bbe-97fa-88c03ce6a4a5/AdobeStock_317312852.jpeg Key Person Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673134935777-O6D2NPFS96X6HVXVQN4T/unsplash-image-yyp_HpXrUfw.jpg Key Person Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673135058977-TBGB2XKRUGQFP22YG1YH/unsplash-image-NwtZgzThP-A.jpg Key Person Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1673135243991-L7DMRZLNFMEOLIP21EWX/unsplash-image-rKPiuXLq29A.jpg Key Person Insurance https://www.spearsagencyllc.com/term-life daily 0.75 2023-05-03 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674328142526-CZEYRUNX4MI4ATGOQ7JB/unsplash-image-hS_eGxLjozs.jpg Term Life Insurance - What is Term Life Insurance? Term life insurance offers level premiums for a specific period of time — generally 10, 20, or 30 years. The initial level premium tends to be lower than comparable permanent coverage. Proceeds may help your family financially if the unexpected happens, especially when there are major household expenses. Generally, the shorter the term, the less expensive term coverage can be. While premiums remain level for the term period, they will rise if you decide to continue the coverage beyond the level premium period. https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674328945367-L2GJPTCNXVLIW84L2ULL/unsplash-image-178j8tJrNlc.jpg Term Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/12463369-40b0-4829-8f1d-4b7614de7551/unsplash-image-S7cyjr_3prc.jpg Term Life Insurance https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674329296290-NUH7O3XS1J9QGR09DCSC/unsplash-image-SoT4-mZhyhE.jpg Term Life Insurance https://www.spearsagencyllc.com/home daily 0.75 2023-05-01 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674334831321-RUDMNADTBQ8HUPAFK4HU/unsplash-image-FwdWO5yEo5s.jpg Home - What does homeowners insurance cover? A standard homeowners insurance policy covers damage to your home and your property. Typical home insurance policies cover damage caused by: An aircraft, car or other vehicle Explosions Falling objects Fire and smoke Lightning strikes Theft Vandalism and malicious mischief Some types of water damage The weight of ice, snow and sleet Windstorms and hail https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674333942894-W9SG9QXIH9T8TJKJ9U85/unsplash-image-U6Q6zVDgmSs.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674333993894-CFIK1YA6BIGCMIDGB9NI/unsplash-image-iKVqC5rvv9s.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674334074601-LM802TPQM8PAPLJ56FYH/unsplash-image-SdBgm3n_aRc.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674334159792-AY7F1H28PPPQXZD9EJFF/unsplash-image-T7xg8hn-ecM.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674334287161-MHUT130GCFQR9GOOB9WJ/unsplash-image-rgJ1J8SDEAY.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1674334427874-9P5VAS3L5MBNFL4G0WHU/unsplash-image-6ZgTEtvD16I.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682718151978-GRFHS6N5ZD2KWGGRAHVL/unsplash-image-D7jnhK1xFPU.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682718455755-FHPJZEN1G8KT0WY0WJBR/unsplash-image-w-ARisGf_Kw.jpg Home https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682718564900-DR6WTDS8IAIM8M5GCNPB/unsplash-image-UqNEbyRQ660.jpg Home https://www.spearsagencyllc.com/flood daily 0.75 2023-05-22 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683064185280-CLED6GQTYRBO5EIZCOPW/unsplash-image-6ZgTEtvD16I.jpg https://www.spearsagencyllc.com/commercial daily 0.75 2025-11-04 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683064728571-8HWTOA3KQTYQQR95OHVW/unsplash-image-sxb8StmTfaw.jpg https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1675136657497-S1WXYR8YEGDO99AORNS2/unsplash-image-3vlGNkDep4E.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683066214817-V67XSW2MJHYKL0EDX1D1/unsplash-image-EJU7A__krX0.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683066276894-U0C7P4BKYWR17PGV5JGU/unsplash-image-HA-0i0E7sq4.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683066350570-JE2R9Q53OKRFAF0S87DL/unsplash-image-WXmHwPcFamo.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683066479570-VHHHNG8N4NWDMNI0LUBD/unsplash-image-IjkIOe-2fF4.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683066550451-9R2WR4W158XDU0ED4YUW/unsplash-image-Cn7GfhwZ8RE.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683066660479-M2XA1PZJ6O82KZWMWTTV/unsplash-image-f9qZuKoZYoY.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683067026834-U9DTTSOKA8EKQK3PLG63/unsplash-image-1sCXwVoqKAw.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683559458085-BGWQ20R7HKOVLO6H7OGV/unsplash-image-XvS-uKUoUao.jpg Commercial/Business https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1683654579360-0RCVF7YB8XJTKIW042YX/image-asset.jpeg Commercial/Business https://www.spearsagencyllc.com/specialty daily 0.75 2023-05-01 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682967793031-LYKZ2EVIEP6NLHN7JSZX/unsplash-image-wXzuPjvTZf8.jpg Specialty - Pursue your passions and explore the open road or water. Wherever your journey takes you, at the Spears Agency, we have coverage options for you! https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682722301919-R64EGCVGJQRF0HX8VJH4/unsplash-image-rEPAjhzt7TY.jpg Specialty https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682722343179-JP95107SMETYN13TXYWY/unsplash-image-o9oQaOGpLz0.jpg Specialty https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682722390196-IK33LXEOJ7QKRZ0W2S40/unsplash-image--Avc2AiE1_Q.jpg Specialty https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682722470400-L82BC20YKV8D7HCB5CHQ/unsplash-image-zCRzigSZsRs.jpg Specialty https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682722538477-IPK6TKGTR1Q01FT5O4CN/unsplash-image-yu2Ay7LQmnY.jpg Specialty https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1682722588568-Q56BQTD22YQ4WKY9G5GR/unsplash-image-wdc70Bejov8.jpg Specialty https://www.spearsagencyllc.com/medicare daily 0.75 2025-05-16 https://images.squarespace-cdn.com/content/v1/6392b522b768d07f95303bec/1706036100419-3HRA23AEN62IW08VAJU9/image-asset.jpeg https://www.spearsagencyllc.com/privacy-policy-1 daily 0.75 2025-05-16 https://www.spearsagencyllc.com/terms-of-service daily 0.75 2025-05-12