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.

AgeMaleMale (Smoker)FemaleFemale (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

Choose kindness.

You never know what battles people may be fighting.

Best Life Assurance In #VALUE!

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.

#VALUE!

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

... “Immediate Solution” Whole Life Insurance
Policy Type Whole Life
States All except NY
Ages 0 – 85
Coverage $1,000 – $50,000 (varies by age)
Duration Lifelong
Waiting Period No
Rate Lock Yes
  • 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
What’s My Rate?
Approved Conditions
  • ADHD
  • Addisons Disease
  • Anxiety Disorder
  • Artery Disease
  • Arthritis (Psoriatic)
  • Arthritis (Rheumatoid)
  • Asthma (Chronic)
  • Asthma (Mild)
  • Atrial Fibrillation
  • Autism (High Functioning)
  • Autism (Severe)
  • Barlows Syndrome
  • Bladder Pain (Chronic)
  • Blood Clot
  • Blood Disorder
  • Bone Marrow Transplant
  • Brain Tumor (Removed; Benign)
  • Bronchitis (Acute)
  • COVID-19
  • CPAP Use (w/o Oxygen)
  • Cancer (Skin)
  • Cardioversion Treatment
  • Cerebral Palsy
  • Chronic Cough
  • Chronic Pancreatitis
  • Circulatory Disease
  • Claudication
  • Clogged Arteries
  • Coronary Artery Disease
  • Crohns Disease
  • Declined for Life Insurance
  • Depression
  • Diabetes (No Insulin)
  • Diabetes (With Insulin)
  • Disability
  • Encephalopathy
  • Enlarged Heart
  • Enlarged Prostate
  • Epilepsy
  • Felony
  • Fibromyalgia
  • Glaucoma
  • Gout
  • Guillain-Barre Syndrome
  • Hashimotos Disease
  • Heart Arrhythmia
  • Heart Blockage
  • Heart Catheterization
  • Heart Disease
  • Heart Murmur (Functional)
  • Heart Murmur (Innocent)
  • Hemophilia
  • High Blood Pressure
  • High Cholesterol
  • Irregular Heartbeat
  • Irritable Bowel Syn.
  • Kidney Stones
  • Low Blood Pressure
  • Lupus (Non-Systemic)
  • Lyme Disease
  • Malaria
  • Memory Loss
  • Mitral Valve Prolapse
  • Multiple Sclerosis (MS)
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Narcolepsy
  • Neuropathy (Non-Diabetic)
  • Osteoarthritis
  • Osteoporosis
  • PAD
  • PTSD
  • PVD
  • Pagets Disease of the Bone
  • Pain (Chronic)
  • Pancreatic Insufficiency
  • Panic Disorder
  • Parole / Probation
  • Pernicious Anemia
  • Pneumonia
  • Pulmonary Embolism
  • Pulmonary Sarcoidosis
  • Respiratory Failure
  • Restless Leg Syndrome
  • Scleroderma
  • Seizures
  • Sepsis
  • Shingles
  • Sjogrens Syndrome
  • Sleep Apnea (No Oxygen)
  • Spina Bifida
  • Spinal Stenosis
  • Stem Cell Transplant
  • Suicide Attempt
  • Thrombocythemia
  • Thrombocytopenia
  • Thrombosis (Blood Clots)
  • Thyroid Disorders
  • Tourettes
  • Ulcer
  • Ulcerative Colitis
  • Unexplained Weight Loss (> 10 lbs)
  • Vertigo
  • Wegeners Granulomatosis
  • Wet Macular Degeneration
  • Wolff-Park. Syndrome
Declined Conditions
  • ADL Assistance Required
  • Alcohol / Drug Abuse
  • Aneurysm (Corrected)
  • Aneurysm (Not Corrected)
  • Angina
  • Angioplasty
  • Assisted Living Facility
  • Awaiting Surgery
  • Awaiting Test Results
  • Bedridden
  • Brain Tumor (Not Removed; Benign)
  • CHF
  • CPAP Use (w/Oxygen)
  • Cancer (Not Skin)
  • Cardiac Ablation
  • Cardiomyopathy
  • Circulatory Surgery
  • Coronary Artery Bypass
  • DUI / DWI
  • Defibrillator
  • Diabetic Coma
  • Gastric Bypass
  • Heart Attack
  • Heart Surgery
  • Heart Valve Surgery
  • Hemorrhagic Stroke
  • Hodgkins Lymphoma
  • Home Health Care
  • Hospitalization
  • Huntingtons Disease
  • Hypertrophic Cardiomyopathy
  • Insulin Shock
  • Intracerebral Hemorrhage
  • Lap Band Surgery
  • Leukemia
  • Liver Disease
  • Liver Disorder
  • Melanoma
  • Multiple Myeloma
  • Myocarditis
  • Nephropathy
  • Neuropathy
  • Non-Hodgkins Lymphoma
  • Nursing Home
  • Organ Transplant (Completed)
  • Oxygen (Non-Continuous)
  • Oxygen (Sleep Apnea Use Only)
  • Oxygen Use (Continuous)
  • Pacemaker
  • Paralysis
  • Paraplegia
  • Pending Hospitalization
  • Pending Surgery
  • Quadriplegia
  • Retinopathy
  • Sleep Apnea (w/Oxygen)
  • Stent Placement
  • Stroke / TIA
  • Watchman Implant
  • Wheelchair (Confined)
  • Wheelchair (Not Confined)

Mutual of Omaha

... “Living Promise” Whole Life Insurance
Policy Type Whole Life
States All except NY
Ages 45 – 85
Coverage $2,000 – $50,000
Duration Lifelong
Waiting Period No
Rate Lock Yes
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
  • Moderately strict underwriting
What’s My Rate?
Approved Conditions
  • ADHD
  • Addisons Disease
  • Anxiety Disorder
  • Artery Disease
  • Arthritis (Psoriatic)
  • Arthritis (Rheumatoid)
  • Asthma (Chronic)
  • Asthma (Mild)
  • Atrial Fibrillation
  • Autism (High Functioning)
  • Autism (Severe)
  • Barlows Syndrome
  • Bladder Pain (Chronic)
  • Blood Clot
  • Blood Disorder
  • Bone Marrow Transplant
  • Brain Tumor (Removed; Benign)
  • Bronchitis (Acute)
  • COVID-19
  • CPAP Use (w/o Oxygen)
  • Cancer (Skin)
  • Cardioversion Treatment
  • Cerebral Palsy
  • Chronic Cough
  • Chronic Pancreatitis
  • Circulatory Disease
  • Claudication
  • Clogged Arteries
  • Coronary Artery Disease
  • Crohns Disease
  • Declined for Life Insurance
  • Depression
  • Diabetes (No Insulin)
  • Diabetes (With Insulin)
  • Disability
  • Encephalopathy
  • Enlarged Heart
  • Enlarged Prostate
  • Epilepsy
  • Felony
  • Fibromyalgia
  • Glaucoma
  • Gout
  • Guillain-Barre Syndrome
  • Hashimotos Disease
  • Heart Arrhythmia
  • Heart Blockage
  • Heart Catheterization
  • Heart Disease
  • Heart Murmur (Functional)
  • Heart Murmur (Innocent)
  • Hemophilia
  • High Blood Pressure
  • High Cholesterol
  • Irregular Heartbeat
  • Irritable Bowel Syn.
  • Kidney Stones
  • Low Blood Pressure
  • Lupus (Non-Systemic)
  • Lyme Disease
  • Malaria
  • Memory Loss
  • Mitral Valve Prolapse
  • Multiple Sclerosis (MS)
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Narcolepsy
  • Neuropathy (Non-Diabetic)
  • Osteoarthritis
  • Osteoporosis
  • PAD
  • PTSD
  • PVD
  • Pagets Disease of the Bone
  • Pain (Chronic)
  • Pancreatic Insufficiency
  • Panic Disorder
  • Parole / Probation
  • Pernicious Anemia
  • Pneumonia
  • Pulmonary Embolism
  • Pulmonary Sarcoidosis
  • Respiratory Failure
  • Restless Leg Syndrome
  • Scleroderma
  • Seizures
  • Sepsis
  • Shingles
  • Sjogrens Syndrome
  • Sleep Apnea (No Oxygen)
  • Spina Bifida
  • Spinal Stenosis
  • Stem Cell Transplant
  • Suicide Attempt
  • Thrombocythemia
  • Thrombocytopenia
  • Thrombosis (Blood Clots)
  • Thyroid Disorders
  • Tourettes
  • Ulcer
  • Ulcerative Colitis
  • Unexplained Weight Loss (> 10 lbs)
  • Vertigo
  • Wegeners Granulomatosis
  • Wet Macular Degeneration
  • Wolff-Park. Syndrome
Declined Conditions
  • ADL Assistance Required
  • Alcohol / Drug Abuse
  • Aneurysm (Corrected)
  • Aneurysm (Not Corrected)
  • Angina
  • Angioplasty
  • Assisted Living Facility
  • Awaiting Surgery
  • Awaiting Test Results
  • Bedridden
  • Brain Tumor (Not Removed; Benign)
  • CHF
  • CPAP Use (w/Oxygen)
  • Cancer (Not Skin)
  • Cardiac Ablation
  • Cardiomyopathy
  • Circulatory Surgery
  • Coronary Artery Bypass
  • DUI / DWI
  • Defibrillator
  • Diabetic Coma
  • Gastric Bypass
  • Heart Attack
  • Heart Surgery
  • Heart Valve Surgery
  • Hemorrhagic Stroke
  • Hodgkins Lymphoma
  • Home Health Care
  • Hospitalization
  • Huntingtons Disease
  • Hypertrophic Cardiomyopathy
  • Insulin Shock
  • Intracerebral Hemorrhage
  • Lap Band Surgery
  • Leukemia
  • Liver Disease
  • Liver Disorder
  • Melanoma
  • Multiple Myeloma
  • Myocarditis
  • Nephropathy
  • Neuropathy
  • Non-Hodgkins Lymphoma
  • Nursing Home
  • Organ Transplant (Completed)
  • Oxygen (Non-Continuous)
  • Oxygen (Sleep Apnea Use Only)
  • Oxygen Use (Continuous)
  • Pacemaker
  • Paralysis
  • Paraplegia
  • Pending Hospitalization
  • Pending Surgery
  • Quadriplegia
  • Retinopathy
  • Sleep Apnea (w/Oxygen)
  • Stent Placement
  • Stroke / TIA
  • Watchman Implant
  • Wheelchair (Confined)
  • Wheelchair (Not Confined)

Aetna

... “Protection Series” Whole Life Insurance
Policy Type Whole Life
States All except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Ages 45 – 89
Coverage $2,000 – $50,000 (varies by age)
Duration Lifelong
Waiting Period No
Rate Lock Yes
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
  • N/A
What’s My Rate?
Approved Conditions
  • ADHD
  • Addisons Disease
  • Anxiety Disorder
  • Artery Disease
  • Arthritis (Psoriatic)
  • Arthritis (Rheumatoid)
  • Asthma (Chronic)
  • Asthma (Mild)
  • Atrial Fibrillation
  • Autism (High Functioning)
  • Autism (Severe)
  • Barlows Syndrome
  • Bladder Pain (Chronic)
  • Blood Clot
  • Blood Disorder
  • Bone Marrow Transplant
  • Brain Tumor (Removed; Benign)
  • Bronchitis (Acute)
  • COVID-19
  • CPAP Use (w/o Oxygen)
  • Cancer (Skin)
  • Cardioversion Treatment
  • Cerebral Palsy
  • Chronic Cough
  • Chronic Pancreatitis
  • Circulatory Disease
  • Claudication
  • Clogged Arteries
  • Coronary Artery Disease
  • Crohns Disease
  • Declined for Life Insurance
  • Depression
  • Diabetes (No Insulin)
  • Diabetes (With Insulin)
  • Disability
  • Encephalopathy
  • Enlarged Heart
  • Enlarged Prostate
  • Epilepsy
  • Felony
  • Fibromyalgia
  • Glaucoma
  • Gout
  • Guillain-Barre Syndrome
  • Hashimotos Disease
  • Heart Arrhythmia
  • Heart Blockage
  • Heart Catheterization
  • Heart Disease
  • Heart Murmur (Functional)
  • Heart Murmur (Innocent)
  • Hemophilia
  • High Blood Pressure
  • High Cholesterol
  • Irregular Heartbeat
  • Irritable Bowel Syn.
  • Kidney Stones
  • Low Blood Pressure
  • Lupus (Non-Systemic)
  • Lyme Disease
  • Malaria
  • Memory Loss
  • Mitral Valve Prolapse
  • Multiple Sclerosis (MS)
  • Muscular Dystrophy
  • Myasthenia Gravis
  • Narcolepsy
  • Neuropathy (Non-Diabetic)
  • Osteoarthritis
  • Osteoporosis
  • PAD
  • PTSD
  • PVD
  • Pagets Disease of the Bone
  • Pain (Chronic)
  • Pancreatic Insufficiency
  • Panic Disorder
  • Parole / Probation
  • Pernicious Anemia
  • Pneumonia
  • Pulmonary Embolism
  • Pulmonary Sarcoidosis
  • Respiratory Failure
  • Restless Leg Syndrome
  • Scleroderma
  • Seizures
  • Sepsis
  • Shingles
  • Sjogrens Syndrome
  • Sleep Apnea (No Oxygen)
  • Spina Bifida
  • Spinal Stenosis
  • Stem Cell Transplant
  • Suicide Attempt
  • Thrombocythemia
  • Thrombocytopenia
  • Thrombosis (Blood Clots)
  • Thyroid Disorders
  • Tourettes
  • Ulcer
  • Ulcerative Colitis
  • Unexplained Weight Loss (> 10 lbs)
  • Vertigo
  • Wegeners Granulomatosis
  • Wet Macular Degeneration
  • Wolff-Park. Syndrome
Declined Conditions
  • ADL Assistance Required
  • Alcohol / Drug Abuse
  • Aneurysm (Corrected)
  • Aneurysm (Not Corrected)
  • Angina
  • Angioplasty
  • Assisted Living Facility
  • Awaiting Surgery
  • Awaiting Test Results
  • Bedridden
  • Brain Tumor (Not Removed; Benign)
  • CHF
  • CPAP Use (w/Oxygen)
  • Cancer (Not Skin)
  • Cardiac Ablation
  • Cardiomyopathy
  • Circulatory Surgery
  • Coronary Artery Bypass
  • DUI / DWI
  • Defibrillator
  • Diabetic Coma
  • Gastric Bypass
  • Heart Attack
  • Heart Surgery
  • Heart Valve Surgery
  • Hemorrhagic Stroke
  • Hodgkins Lymphoma
  • Home Health Care
  • Hospitalization
  • Huntingtons Disease
  • Hypertrophic Cardiomyopathy
  • Insulin Shock
  • Intracerebral Hemorrhage
  • Lap Band Surgery
  • Leukemia
  • Liver Disease
  • Liver Disorder
  • Melanoma
  • Multiple Myeloma
  • Myocarditis
  • Nephropathy
  • Neuropathy
  • Non-Hodgkins Lymphoma
  • Nursing Home
  • Organ Transplant (Completed)
  • Oxygen (Non-Continuous)
  • Oxygen (Sleep Apnea Use Only)
  • Oxygen Use (Continuous)
  • Pacemaker
  • Paralysis
  • Paraplegia
  • Pending Hospitalization
  • Pending Surgery
  • Quadriplegia
  • Retinopathy
  • Sleep Apnea (w/Oxygen)
  • Stent Placement
  • Stroke / TIA
  • Watchman Implant
  • Wheelchair (Confined)
  • Wheelchair (Not Confined)