Best Life Insurance In Washington
Discover the best life insurance in Washington. Learn about different policies, how it works, top causes of death, legalities & top providers.
Washington’s life insurance laws are governed by Title 48 of the Revised Code of Washington.
- 10-day free look period (WA ST 48.23.380)
- 30-day grace period (WA 48.23.030)
- The company is required to add interest payments to the total benefit, beginning from the day of death (WA 48.23.300)
- Guarantees up to $500,000 per person for lost death benefits and $500,000 for lost cash surrender value (source)
Keep in mind that life insurance laws are very similar from state to state (for example, West Virginia’s life insurance laws and Wisconsin’s life insurance laws are nearly identical to those of Washington).
How Much Is A $10,000 Whole Life Policy In Washington?
The table below shows the rates by age of $10,000 of whole life insurance in Washington.
| Age | Male | Male (Smoker) | Female | Female (Smoker) |
|---|---|---|---|---|
| 20 | $14.73 | $17.30 | $14.00 | $15.60 |
| 25 | $15.75 | $18.05 | $15.15 | $16.85 |
| 30 | $17.71 | $19.68 | $16.27 | $18.80 |
| 35 | $18.33 | $22.61 | $17.59 | $21.00 |
| 40 | $21.45 | $25.34 | $19.80 | $23.98 |
| 45 | $23.50 | $29.24 | $23.04 | $27.96 |
| 50 | $27.49 | $34.09 | $24.39 | $31.57 |
| 55 | $32.05 | $40.20 | $28.24 | $36.65 |
| 60 | $38.63 | $47.42 | $33.60 | $42.66 |
| 65 | $47.89 | $58.52 | $41.69 | $50.45 |
| 70 | $60.47 | $71.36 | $52.71 | $60.78 |
| 75 | $97.46 | $132.79 | $71.61 | $94.55 |
| 80 | $134.65 | $182.50 | $98.41 | $135.72 |
| 85 | $187.53 | $258.32 | $131.97 | $192.54 |
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Best Life Assurance In Seattle
Seattle, nestled between Puget Sound and Lake Washington in the Pacific Northwest, epitomizes a blend of natural beauty and urban sophistication. This bustling city is renowned for its iconic Space Needle, a legacy of the 1962 World’s Fair, offering breathtaking panoramic views. Seattle’s dynamic culture thrives amidst its coffee shops, tech startups, and vibrant music scene, famously birthing grunge music. Its picturesque waterfront, diverse neighborhoods, and historical Pike Place Market, home to the original Starbucks, draw visitors and locals alike. Surrounded by lush forests, mountains, and waterways, Seattle also serves as a gateway to outdoor adventures, making it a captivating city where innovation and nature beautifully coexist.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Security First Insurance IL | 721 S Dearborn St | +13127548081 |
| Jenny Life | 107 Spring St | +18558853669 |
| Evergreen New Life Insurance Agency | 1041 S King St Ste C | +12064575971 |
| Pillar International Insurance Advisors | 600 University St Suite 2800 | +12067360500 |
| Independent Insurance WA | 300 Lenora St #484 | +12066811572 |
| Elite insurance agency Seattle WA | 3837 13th Ave W #103 | +14252171862 |
| Mountaineers Financial and Insurance Solutions | 600 SW Kenyon St | +15625241799 |
| Town Insurance CO | trianon building, 2505 3rd Ave | +12533644687 |
| Seattle: Business and Contractors Insurance and Bonds | 1510 14th Ave | +12063223910 |
| Prime care Insurance Co | 1501 4th Ave | +12067390205 |
Best Coverage In Spokane
Spokane, nestled in eastern Washington, is a vibrant city that serves as the cultural and economic hub of the Inland Northwest. With its stunning riverfront park stemming from Expo ’74, Spokane impresses with its unique blend of urban charm and natural beauty. The city is a haven for outdoor enthusiasts, offering a plethora of activities from hiking and biking in the summer to skiing in the winter. Spokane’s revitalized downtown area is bustling with shops, art galleries, and a lively dining scene, highlighting the city’s commitment to arts and culture. Home to the iconic Spokane Falls, and the historic Riverfront Park, it’s a city that seamlessly marries its rich history with modern innovation. Whether you’re exploring the scenic trails or enjoying its vibrant arts scene, Spokane promises a memorable experience for visitors and locals alike.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| John Mendoza, Bankers Life Agent | 1101 N Argonne Rd Ste 203 Spokane Vly | +15093265217 |
| KBG Insurance & Financial | 601 W 1st Ave Suite 1400 | +15092423244 |
| Jorgensen Insurance Agency | 816 W Francis Ave PMB#551 | +15095634413 |
| Legacy Insurance LLC | 9425 N Nevada St Ste 210 | +15099602550 |
| All Lines Insurance | 6404 N Monroe St | +15093271658 |
| Marsh McLennan Agency | 501 N Riverpoint Blvd STE 403 | +15098383501 |
| Taylor & Associates, LLC American Family Insurance | 159 S Lincoln St ste 210 | +15095593004 |
| Life Asset Mgmt. LLC: Allstate Insurance | 1908 W Northwest Blvd C | +15098226899 |
| Guardian Life | 605 E Holland Ave | +15094686000 |
| Stacy Spelman, Agent – New York Life | 4273 W Pine Cliff Ct | +12068516215 |
| New York Life Insurance | 601 W Riverside Ave Suite 1600 | +15097475151 |
| Guardian Insurance Co | 1202 E Sprague Ave # 201 | +15099343610 |
| Bockemuehl, James H – Northwestern Mutual Life Ins | 705 W 7th Ave | +15093439140 |
| Essentials Insurance Co | 209 W 9th Ave | +15092892428 |
| Fred Becker Agency – Simmons Insurance Group | 12817 E Sprague Ave #105 | +15099276716 |
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Best Policies In Bellevue
Bellevue, nestled between Lake Washington and Lake Sammamish in Washington State, is a vibrant city renowned for its lush parks, scenic skyline, and bustling downtown area. Known for its prestigious shopping centers, upscale dining, and cutting-edge technology scene, Bellevue is a blend of business and leisure. Its excellent educational institutions, safe neighborhoods, and diverse cultural festivals make it a thriving community and a desirable destination for both residents and visitors. With its blend of natural beauty and modern amenities, Bellevue offers a unique urban experience while maintaining a close connection with the great outdoors.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Mutual Life Insurance Co | 10900 NE 8th St #1550 | +14253861642 |
| Millennium Insurance Group | 11900 NE 1st St Suite 300 | +12062475360 |
| Bellevue insurance Agency Inc | 3055 112th Ave NE #102 | +14255499530 |
| Lisa Gambardella, Bankers Life Agent | 3055 112th Ave NE Ste 202 | +14257020274 |
| Selected Insurance Bellevue | 2002 132nd Ave SE | +13602282879 |
| Bellevue Insurance Quotes | 11811 NE 1st St | +14253908486 |
| State insurance Agency | 330 112th Ave NE Ste 304 | +12062224884 |
| Bellevue Insurance Solution | 4205 148th Ave NE Ste 102 | +15092574457 |
| Pro Insurance Service | 929 108th Ave NE | +14253121801 |
| eCoverage, LLC | 1203 114th Ave SE | +18554530445 |
| Yeh’s Insurance services | 2700 Richards Rd Suite 204 | +14253452122 |
| The Jacobson Group | 500 108th Ave NE #800 | +14256467350 |
Best Life Cover In Tacoma
Discover Tacoma, a vibrant city nestled on the shores of Puget Sound in Washington State. Known for its stunning waterfront views and rich history, Tacoma offers a unique blend of urban sophistication and natural beauty. This dynamic city is home to the world-renowned Museum of Glass, reflecting its deep roots in the art scene, and the historic Point Defiance Park, providing outdoor enthusiasts with countless activities. From its bustling downtown filled with eclectic shops and restaurants to the peaceful neighborhoods adorned with historic homes, Tacoma embodies a lively yet laid-back atmosphere. Embrace the blend of culture, adventure, and innovation that defines Tacoma.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| VOSS INSURANCE GROUP | 5005 Center St Ste C | +12532447135 |
| Best Insurance Tacoma | 6429 S Tacoma Way | +12534731415 |
| Tony Albert | 6004 Westgate Blvd Suite 120 | +12532267336 |
| More Life with Monae | 5406b S Tacoma Way #210 | +12532525526 |
| Buser Insurance Agency | 711 St Helens Ave #207b | +12532827811 |
| Empire Insurance Brokers | 5409 S Tacoma Way | +12538886469 |
| New York Life Insurance | 1201 Pacific Ave #1600 | +12535977100 |
| Secured Insurance Agency Tacoma | 4275 S Pine St | +15642166273 |
| Safety Insurance WA | 2106 Pacific Ave | +12533424090 |
| Success Insurance WA | 317 S 72nd St | +12533388927 |
| Best Insurance Company | 950 Pacific Ave | +12066811524 |
| MassMutual Northwest – Tacoma Office | 4301 S Pine St Suite, 626 | +12534737079 |
Best Life Insurance In Vancouver
Vancouver, nestled between the Coast Mountains and the Pacific Ocean in British Columbia, Canada, is a vibrant city renowned for its breathtaking natural beauty, dynamic cultural scene, and high quality of life. Known as one of the world’s most livable cities, Vancouver offers a harmonious blend of outdoor adventures and urban sophistication. Its diverse neighborhoods, from the historic Gastown to the bustling Granville Island, are brimming with eclectic eateries, chic boutiques, and art galleries. The city boasts a mild climate year-round, making it a haven for outdoor enthusiasts who enjoy skiing, mountain biking, and sailing. Vancouver is also a gateway to exploring the majestic landscapes of Western Canada, making it a must-visit destination for travelers seeking both excitement and relaxation amidst nature’s splendor.
| Life Insurance Agency | Address | Phone |
|---|---|---|
| Dani-Mac Insurance Solutions | 1811 Main St #202 | +13606095613 |
| Kat’s Insurance Agency LLC | 14601 NE 90th St | +13609099082 |
| Adult Financials Unlimited | 400 E Evergreen Blvd Ste 312 | +19713404759 |
| Davidson & Associates Insurance Agency Inc | 11112 NE 51st Cir | +13605149550 |
| American Senior Choices | 113 NE 92nd Ave | +13602613659 |
| Smith Life & Annuity Agency | 3305 Main St | +13609491376 |
| AssuredPartners | 16703 SE McGillivray Blvd #225 | +15032580227 |
| Lemar Eisenhut – Aflac Insurance Agent | 6400 NE Hwy 99 #179 | +13609032763 |
| Life Insurance Quotes | 800 NE Tenney Rd #110-120 | +13606088650 |
| Matt Garner Insurance of Vancouver WA | 7414 NE Hazel Dell Ave #219 | +13607714757 |
| Merrill Insurance | 16821 SE McGillivray Blvd | +13606247614 |
| Kidder-Bonstein Insurance Services | 916 NE 112th Ave #103 | +13608828083 |
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Top Life Insurance Companies In Washington
For the residents of the great state of Washington, 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
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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.