WAOIC #1335287 | NPN 21784907 | Licensed in Washington State
I grew up in the Pacific Northwest and attended Pacific Lutheran University in Tacoma, where I played football for the Lutes. I never really left the South Sound. University Place is home.
I work with people who are approaching retirement or already there — primarily between 60 and 75 years old — across Pierce County and Western Washington. Most of them come to me with questions about Medicare. We end up talking about a lot more.
Four Areas of Practice
Medicare
Helping Washington State residents navigate Medicare enrollment, understand their plan options, and avoid the enrollment penalties that are permanent once they occur. I work with people approaching 65, people already enrolled who wonder if they are in the right plan, and Washington state employees transitioning off PEBB coverage.
Long-Term Care Planning
Helping households understand what long-term care actually costs in Washington — and what the WA Cares Fund covers and does not cover. For most households, there is a significant gap between the $36,500 lifetime benefit and the $13,700 to $14,300 per month that nursing home care costs in Washington. My job is to help families understand that gap and plan for it before a care event makes planning impossible.
Life Insurance
Reviewing what people have, identifying what they might be missing, and making sure the coverage still makes sense given where they are in life. The coverage someone bought at 35 is often not the right coverage at 65. Washington's estate tax threshold adds a layer of planning that is specific to this state.
Retirement Income Coordination
Social Security, pensions, retirement accounts, healthcare costs, and taxes interact with each other in ways that most people are not aware of until something goes wrong. I help people see the full picture — what their income looks like in retirement, how each piece affects the others, and where the gaps are.
Through our office, clients have access to a team of specialized financial advisors who have tailored training specific to common retirement accounts. They are built to work with folks 65 and up navigating the transition from saving to spending.
Clarity Before Confidence
I do not believe in selling someone a product before they understand their situation. Every conversation starts the same way: what do you have, how is it structured, and does it actually do what you think it does?
Most people I talk to have never had someone sit down with them and explain how their Medicare coverage interacts with their income, or what happens to their spouse's coverage if they die first, or what their actual out-of-pocket exposure is. Those conversations take maybe 30 minutes. They change how people think about retirement.
That is what I do. The products come after the clarity — not before.
License and Credentials
Licensed Insurance Advisor — Washington State
Washington OIC License: WAOIC #1335287
National Producer Number (NPN): 21784907
Verify my license:
Washington OIC Producer Lookup
Education: Pacific Lutheran University, Tacoma, Washington
Connect professionally:
LinkedIn Profile
Serving Pierce County and Western Washington
I work with residents in University Place, Tacoma, Gig Harbor, Puyallup, Lakewood, Federal Way, Olympia, and surrounding communities throughout Pierce and Thurston counties. Most conversations start with a phone call. Many happen in person.
All initial conversations are complimentary. There is no obligation to purchase anything. My job is to make sure you have the information you need to make the right decision for your situation.
(253) 880-6527 | michaelgurrinsurance@gmail.com
3560 Bridgeport Way W STE 3E, University Place, WA 98466
Michael Gurr
Licensed Insurance Advisor | WAOIC #1335287
Medicare Help Washington
Phone: (253) 880-6527
Email: michaelgurrinsurance@gmail.com
Office: 3560 Bridgeport Way W STE 3E
University Place, WA 98466
Not affiliated with Medicare.gov or the U.S. government.