Best Life Insurance In District of Columbia
District of Columbia’s life insurance laws are governed by Title 31 of the District of Columbia.
- 10-day free look period (DC 26-A 2712)
- 30-day grace period (DC 31-4703)
- per person in benefits, including cash surrender value
- Guarantees up to $300,000 for lost death benefits and $100,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, Florida’s life insurance laws and Georgia’s life insurance laws are nearly identical to those of District of Columbia).
How Much Is A $10,000 Whole Life Policy In District of Columbia?
The table below shows the rates by age of $10,000 of whole life insurance in District of Columbia.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.62 | $17.21 | $13.71 | $16.26 |
| 25 | $16.29 | $18.39 | $15.26 | $17.10 |
| 30 | $16.90 | $20.05 | $16.66 | $18.45 |
| 35 | $18.81 | $22.22 | $17.93 | $20.64 |
| 40 | $21.24 | $24.79 | $20.06 | $23.81 |
| 45 | $23.50 | $29.14 | $22.16 | $27.27 |
| 50 | $27.30 | $33.85 | $24.62 | $31.29 |
| 55 | $32.34 | $39.66 | $28.50 | $36.40 |
| 60 | $39.12 | $47.21 | $33.23 | $42.11 |
| 65 | $48.74 | $58.02 | $41.61 | $50.99 |
| 70 | $60.80 | $70.73 | $52.54 | $60.47 |
| 75 | $97.78 | $132.75 | $71.81 | $95.22 |
| 80 | $134.39 | $182.15 | $98.34 | $135.76 |
| 85 | $188.36 | $258.00 | $132.40 | $192.51 |
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Best Life Assurance In Washington
Washington DC, the capital city of the United States, is a place rich in history and political significance. Known for its iconic landmarks such as the U.S. Capitol, the White House, and the Lincoln Memorial, Washington is a hub of governmental activity. Beyond politics, it boasts an array of museums, including the Smithsonian institutions, offering endless educational opportunities. The city’s beautiful cherry blossoms, seen in full bloom during spring, add to its scenic beauty, making it a destination of culture, history, and natural allure. Washington DC is not just a political center but a vibrant community where history is alive and constantly being made.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Dan Mullin Insurance | 1001 Douglas St NE | +12022859911 |
| Value Insurance Agency Inc. | 1725 I St NW | +12029992131 |
| Complete Insurance Services | 626 8th St NE | +12024104519 |
Top Life Insurance Companies In District of Columbia
For the residents of the great state of District of Columbia, we at GetSure recommend three carriers: Transamerica, Aetna, and Mutual of Omaha.
Transamerica
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 0 – 85 years |
| Coverage Range | $1,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Very low prices
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Underwriting has become stricter (e.g., no insulin)
- Coverage limited to $25,000 for older applicants
Mutual of Omaha
| Policy Type | Whole Life |
| Available States | All except NY |
| Age Range | 45 – 85 years |
| Coverage Range | $2,000 – $50,000 |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Excellent customer service
- No medical exam
- Flat, never-increasing premiums
- No waiting period
- Moderately strict underwriting
Aetna
| Policy Type | Whole Life |
| Available States | All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA |
| Age Range | 45 – 89 years |
| Coverage Range | $2,000 – $50,000 (varies by age) |
| Policy Duration | Lifelong |
| Waiting Period | None |
| Rate Lock | Yes – rates never increase |
- Lenient underwriting
- Shortest application, industry-wide
- Automated underwriting (approval potentially in minutes)
- No medical exam
- Flat, never-increasing premiums
- N/A
Rikin Shah
Rikin is the Founder & CEO of GetSure. He is a licensed life, accident & health insurance agent in all 50 states (plus D.C.) and has over 15 years of experience in the financial services industry. He has been featured in publications such as Forbes, USA Today, and U.S. News & World Report, among others. Rikin holds a B.S. in Applied Mathematics from Columbia University and an MBA from The Stanford Graduate School of Business. If you'd like to speak with Rikin to discuss your life insurance options or questions, don't hesitate to email him at hello [at] getsure.org.
