Business Details
44 Years
experience
Your Trusted Insurance Partner in Poulsbo, WA
For over four decades, our agency has specialized in guiding clients through complex insurance decisions with a personalized approach. We combine deep industry expertise with a commitment to understanding each client's unique circumstances, whether individuals planning for retirement or businesses seeking competitive employee benefits. Our team prioritizes education, empowering clients to make informed choices about Medicare, life insurance, disability coverage, and long-term care solutions. With a legacy of trust established since 1982, we maintain a client-centered philosophy that emphasizes compassion and long-term relationships.Our professionals bring extensive experience in both personal and commercial insurance planning, focusing on solutions that protect families and businesses alike. We distinguish ourselves through thorough needs assessments and ongoing support that extends beyond policy acquisition. Our approach integrates both traditional insurance products and innovative strategies to address evolving client needs in today's dynamic market environment.
Services
Medicare Planning
Life Insurance
Disability Coverage
Long Term Care
Employee Benefits
Retirement Planning
Policy Analysis
Insurance Education
Risk Assessment
Coverage Solutions
Details
- Year established: 1982
Highlights and features
- 40+ years of insurance industry experience
- Personalized approach to coverage solutions
- Comprehensive Medicare plan comparisons
- Expertise in both personal and business insurance
- Community-focused service since 1982
Services
Medicare Planning
We provide comprehensive Medicare guidance, helping clients understand Part A, B, C, and D options. Our specialists compare 42 local products from 4 carriers to find optimal coverage. We emphasize personalized analysis of prescription needs, provider networks, and out-of-pocket costs while maintaining compliance with Medicare marketing guidelines.
Life Insurance
Our life insurance services evaluate term versus whole life policies based on family needs and financial obligations. We assess appropriate benefit amounts for mortgage protection, income replacement, and estate planning. The process includes carrier comparisons and policy illustrations demonstrating cash value growth and premium requirements.
Employee Benefits
We assist businesses with designing competitive benefits packages including health, dental, and vision coverage. Our services help employers understand ACA requirements and implement cost-effective solutions that attract talent. We provide carrier comparisons and enrollment support for small to mid-sized businesses in the Pacific Northwest.
Long Term Care
Our long-term care planning addresses in-home and facility care costs averaging $4,500-$9,000 monthly. We help clients evaluate hybrid policies combining life insurance with care benefits while protecting retirement assets. The process includes Medicaid planning considerations and policy benefit comparisons.
Disability Coverage
We offer disability insurance solutions protecting against income loss from unexpected medical conditions. Our services analyze existing coverage gaps, recommend appropriate benefit periods, and coordinate with business overhead expense policies. We emphasize policy definitions regarding 'own occupation' versus 'any occupation' classifications.
People
Stephanie Rooney
Agency President
With 20+ years in insurance, Stephanie leads with personal experience navigating family healthcare crises. She specializes in connecting complex insurance solutions with client life stories, focusing on compassionate planning that protects families and businesses.
Cheryl Jensen
Office Manager
Bringing diverse customer service experience from legal and healthcare fields, Cheryl ensures smooth operations. Her focus on client comfort and organizational excellence supports the agency's commitment to personalized service delivery.
Chris Madison
Founding Agent
Established the agency in 1982 with expertise in life insurance and retirement planning. Transitioned ownership in 2016 after developing employee benefits specialization. His legacy continues through the agency's client-centered approach.
Birgit Richardson
Office Administrator
Newer team member with Pacific Northwest roots, Birgit brings fresh perspective to client interactions. Her background in home projects and family care complements the team's understanding of personal insurance needs.
Kate Heimbach
Retired Support
Former state government administrator who provided client-focused support until retirement. Her public sector experience enhanced understanding of government insurance programs before transitioning to private practice.
Questions
What Medicare options are available in Poulsbo?
We represent 4 carriers offering 42 Medicare products in your area. We'll help compare Original Medicare with Advantage plans to find coverage matching your prescription needs and provider preferences.
How do term and whole life insurance differ?
Term life provides coverage for specific periods with lower premiums, while whole life offers lifelong protection with cash value accumulation. We'll help determine which aligns with your financial goals.
What employee benefits should small businesses offer?
We recommend health, dental, and disability coverage as core benefits. Our specialists help design packages balancing competitiveness with affordability for businesses in Kitsap County.
How does long-term care insurance protect assets?
These policies cover in-home or facility care costs averaging $4,500-$9,000 monthly. We help protect retirement savings by finding policies that coordinate with Medicaid planning strategies.
Do I need disability insurance?
If your income supports essential expenses, disability insurance is crucial. We assess your risk tolerance and recommend coverage periods matching your occupational profile and financial obligations.
Reviews (5)
Jeff Hora
Sep 07, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
You can do no better navigating the maze of health insurance, regardless of your age or condition, than to enlist the expertise of Stephanie Kirk of J. C. Madison! Most highly recommended!
You can do no better navigating the maze of health insurance, regardless of your age or condition, than to enlist the expertise of Stephanie Kirk of J. C. Madison! Most highly recommended!
Kayla Johnson
Sep 05, 2021
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Positive:Professionalism,Quality,Responsiveness
Love the team here! I can always count on them for unbiased recommendations while navigating the complicated insurance industry. They will always take your unique situation into consideration, and recommend what's best for you.
Love the team here! I can always count on them for unbiased recommendations while navigating the complicated insurance industry. They will always take your unique situation into consideration, and recommend what's best for you.
Louise Kohl
Aug 25, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
Stephanie Kirk, own of JC Madison in Poulsbo is thoroughly professional and knowledgeable. She provides all the options available for service you want, providing guidance and direction when asked. A pleasure doing business with her.
Stephanie Kirk, own of JC Madison in Poulsbo is thoroughly professional and knowledgeable. She provides all the options available for service you want, providing guidance and direction when asked. A pleasure doing business with her.
Bradly Franco
Aug 23, 2021
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Positive:Professionalism,Quality,Responsiveness,Value
The team at JC Madison is the best you'll get. They are true professionals in their field and they make you feel right at home whenever you visit their office.
The team at JC Madison is the best you'll get. They are true professionals in their field and they make you feel right at home whenever you visit their office.
Crystal Folta
Aug 23, 2021
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Stephanie and the whole crew at JC Madison have been so helpful guiding our community the best health care options. Ive seen so many people helped from the care and guidance they provide. Its beautiful to see people who actually care about the health care options and outcomes! Thank you for all your help!
