Best Life Insurance In Washington


  • Rikin Shah
  • Jun 20, 2024
washington cost of a funeral

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.

Age20
Male$14.73
Male (Smoker)$17.30
Female$14.00
Female (Smoker)$15.60
Age25
Male$15.75
Male (Smoker)$18.05
Female$15.15
Female (Smoker)$16.85
Age30
Male$17.71
Male (Smoker)$19.68
Female$16.27
Female (Smoker)$18.80
Age35
Male$18.33
Male (Smoker)$22.61
Female$17.59
Female (Smoker)$21.00
Age40
Male$21.45
Male (Smoker)$25.34
Female$19.80
Female (Smoker)$23.98
Age45
Male$23.50
Male (Smoker)$29.24
Female$23.04
Female (Smoker)$27.96
Age50
Male$27.49
Male (Smoker)$34.09
Female$24.39
Female (Smoker)$31.57
Age55
Male$32.05
Male (Smoker)$40.20
Female$28.24
Female (Smoker)$36.65
Age60
Male$38.63
Male (Smoker)$47.42
Female$33.60
Female (Smoker)$42.66
Age65
Male$47.89
Male (Smoker)$58.52
Female$41.69
Female (Smoker)$50.45
Age70
Male$60.47
Male (Smoker)$71.36
Female$52.71
Female (Smoker)$60.78
Age75
Male$97.46
Male (Smoker)$132.79
Female$71.61
Female (Smoker)$94.55
Age80
Male$134.65
Male (Smoker)$182.50
Female$98.41
Female (Smoker)$135.72
Age85
Male$187.53
Male (Smoker)$258.32
Female$131.97
Female (Smoker)$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.

Security First Insurance ILJenny Life
721 S Dearborn St107 Spring St
+13127548081+18558853669
Security First Insurance ILEvergreen New Life Insurance Agency
721 S Dearborn St1041 S King St Ste C
+13127548081+12064575971
Security First Insurance ILPillar International Insurance Advisors
721 S Dearborn St600 University St Suite 2800
+13127548081+12067360500
Security First Insurance ILIndependent Insurance WA
721 S Dearborn St300 Lenora St #484
+13127548081+12066811572
Security First Insurance ILElite insurance agency Seattle WA
721 S Dearborn St3837 13th Ave W #103
+13127548081+14252171862
Security First Insurance ILMountaineers Financial and Insurance Solutions
721 S Dearborn St600 SW Kenyon St
+13127548081+15625241799
Security First Insurance ILTown Insurance CO
721 S Dearborn Sttrianon building, 2505 3rd Ave
+13127548081+12533644687
Security First Insurance ILSeattle: Business and Contractors Insurance and Bonds
721 S Dearborn St1510 14th Ave
+13127548081+12063223910
Security First Insurance ILPrime care Insurance Co
721 S Dearborn St1501 4th Ave
+13127548081+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.

John Mendoza, Bankers Life AgentKBG Insurance & Financial
1101 N Argonne Rd Ste 203 Spokane Vly601 W 1st Ave Suite 1400
+15093265217+15092423244
John Mendoza, Bankers Life AgentJorgensen Insurance Agency
1101 N Argonne Rd Ste 203 Spokane Vly816 W Francis Ave PMB#551
+15093265217+15095634413
John Mendoza, Bankers Life AgentLegacy Insurance LLC
1101 N Argonne Rd Ste 203 Spokane Vly9425 N Nevada St Ste 210
+15093265217+15099602550
John Mendoza, Bankers Life AgentAll Lines Insurance
1101 N Argonne Rd Ste 203 Spokane Vly6404 N Monroe St
+15093265217+15093271658
John Mendoza, Bankers Life AgentMarsh McLennan Agency
1101 N Argonne Rd Ste 203 Spokane Vly501 N Riverpoint Blvd STE 403
+15093265217+15098383501
1101 N Argonne Rd Ste 203 Spokane Vly159 S Lincoln St ste 210
+15093265217+15095593004
John Mendoza, Bankers Life AgentLife Asset Mgmt. LLC: Allstate Insurance
1101 N Argonne Rd Ste 203 Spokane Vly1908 W Northwest Blvd C
+15093265217+15098226899
John Mendoza, Bankers Life AgentGuardian Life
1101 N Argonne Rd Ste 203 Spokane Vly605 E Holland Ave
+15093265217+15094686000
John Mendoza, Bankers Life AgentStacy Spelman, Agent – New York Life
1101 N Argonne Rd Ste 203 Spokane Vly4273 W Pine Cliff Ct
+15093265217+12068516215
John Mendoza, Bankers Life AgentNew York Life Insurance
1101 N Argonne Rd Ste 203 Spokane Vly601 W Riverside Ave Suite 1600
+15093265217+15097475151
John Mendoza, Bankers Life AgentGuardian Insurance Co
1101 N Argonne Rd Ste 203 Spokane Vly1202 E Sprague Ave # 201
+15093265217+15099343610
John Mendoza, Bankers Life AgentBockemuehl, James H – Northwestern Mutual Life Ins
1101 N Argonne Rd Ste 203 Spokane Vly705 W 7th Ave
+15093265217+15093439140
John Mendoza, Bankers Life AgentEssentials Insurance Co
1101 N Argonne Rd Ste 203 Spokane Vly209 W 9th Ave
+15093265217+15092892428
John Mendoza, Bankers Life AgentFred Becker Agency – Simmons Insurance Group
1101 N Argonne Rd Ste 203 Spokane Vly12817 E Sprague Ave #105
+15093265217+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.

Mutual Life Insurance CoMillennium Insurance Group
10900 NE 8th St #155011900 NE 1st St Suite 300
+14253861642+12062475360
Mutual Life Insurance CoBellevue insurance Agency Inc
10900 NE 8th St #15503055 112th Ave NE #102
+14253861642+14255499530
Mutual Life Insurance CoLisa Gambardella, Bankers Life Agent
10900 NE 8th St #15503055 112th Ave NE Ste 202
+14253861642+14257020274
Mutual Life Insurance CoSelected Insurance Bellevue
10900 NE 8th St #15502002 132nd Ave SE
+14253861642+13602282879
Mutual Life Insurance CoBellevue Insurance Quotes
10900 NE 8th St #155011811 NE 1st St
+14253861642+14253908486
Mutual Life Insurance CoState insurance Agency
10900 NE 8th St #1550330 112th Ave NE Ste 304
+14253861642+12062224884
Mutual Life Insurance CoBellevue Insurance Solution
10900 NE 8th St #15504205 148th Ave NE Ste 102
+14253861642+15092574457
Mutual Life Insurance CoPro Insurance Service
10900 NE 8th St #1550929 108th Ave NE
+14253861642+14253121801
Mutual Life Insurance CoeCoverage, LLC
10900 NE 8th St #15501203 114th Ave SE
+14253861642+18554530445
Mutual Life Insurance CoYeh’s Insurance services
10900 NE 8th St #15502700 Richards Rd Suite 204
+14253861642+14253452122
Mutual Life Insurance CoThe Jacobson Group
10900 NE 8th St #1550500 108th Ave NE #800
+14253861642+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.

VOSS INSURANCE GROUPBest Insurance Tacoma
5005 Center St Ste C6429 S Tacoma Way
+12532447135+12534731415
VOSS INSURANCE GROUPTony Albert
5005 Center St Ste C6004 Westgate Blvd Suite 120
+12532447135+12532267336
VOSS INSURANCE GROUPMore Life with Monae
5005 Center St Ste C5406b S Tacoma Way #210
+12532447135+12532525526
VOSS INSURANCE GROUPBuser Insurance Agency
5005 Center St Ste C711 St Helens Ave #207b
+12532447135+12532827811
VOSS INSURANCE GROUPEmpire Insurance Brokers
5005 Center St Ste C5409 S Tacoma Way
+12532447135+12538886469
VOSS INSURANCE GROUPNew York Life Insurance
5005 Center St Ste C1201 Pacific Ave #1600
+12532447135+12535977100
VOSS INSURANCE GROUPSecured Insurance Agency Tacoma
5005 Center St Ste C4275 S Pine St
+12532447135+15642166273
VOSS INSURANCE GROUPSafety Insurance WA
5005 Center St Ste C2106 Pacific Ave
+12532447135+12533424090
VOSS INSURANCE GROUPSuccess Insurance WA
5005 Center St Ste C317 S 72nd St
+12532447135+12533388927
VOSS INSURANCE GROUPBest Insurance Company
5005 Center St Ste C950 Pacific Ave
+12532447135+12066811524
VOSS INSURANCE GROUPMassMutual Northwest – Tacoma Office
5005 Center St Ste C4301 S Pine St Suite, 626
+12532447135+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.

Dani-Mac Insurance SolutionsKat’s Insurance Agency LLC
1811 Main St #20214601 NE 90th St
+13606095613+13609099082
Dani-Mac Insurance SolutionsAdult Financials Unlimited
1811 Main St #202400 E Evergreen Blvd Ste 312
+13606095613+19713404759
Dani-Mac Insurance SolutionsDavidson & Associates Insurance Agency Inc
1811 Main St #20211112 NE 51st Cir
+13606095613+13605149550
Dani-Mac Insurance SolutionsAmerican Senior Choices
1811 Main St #202113 NE 92nd Ave
+13606095613+13602613659
Dani-Mac Insurance SolutionsSmith Life & Annuity Agency
1811 Main St #2023305 Main St
+13606095613+13609491376
Dani-Mac Insurance SolutionsAssuredPartners
1811 Main St #20216703 SE McGillivray Blvd #225
+13606095613+15032580227
Dani-Mac Insurance SolutionsLemar Eisenhut – Aflac Insurance Agent
1811 Main St #2026400 NE Hwy 99 #179
+13606095613+13609032763
Dani-Mac Insurance SolutionsLife Insurance Quotes
1811 Main St #202800 NE Tenney Rd #110-120
+13606095613+13606088650
Dani-Mac Insurance SolutionsMatt Garner Insurance of Vancouver WA
1811 Main St #2027414 NE Hazel Dell Ave #219
+13606095613+13607714757
Dani-Mac Insurance SolutionsMerrill Insurance
1811 Main St #20216821 SE McGillivray Blvd
+13606095613+13606247614
Dani-Mac Insurance SolutionsKidder-Bonstein Insurance Services
1811 Main St #202916 NE 112th Ave #103
+13606095613+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

“Immediate Solution” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life0 – 85 years
Policy TypeCoverage Range
Whole Life$1,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Very low prices
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Underwriting has become stricter (e.g., no insulin)
  • Coverage limited to $25,000 for older applicants

Mutual of Omaha

“Living Promise” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except NY
Policy TypeAge Range
Whole Life45 – 85 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Excellent customer service
  • No medical exam
  • Flat, never-increasing premiums
  • No waiting period
Considerations
  • Moderately strict underwriting

Aetna

“Protection Series” Whole Life Insurance
Policy TypeAvailable States
Whole LifeAll except AK, CA, DC, HI, MA, ME, MN, NY, ND, SD, WA
Policy TypeAge Range
Whole Life45 – 89 years
Policy TypeCoverage Range
Whole Life$2,000 – $50,000 (varies by age)
Policy TypePolicy Duration
Whole LifeLifelong
Policy TypeWaiting Period
Whole LifeNone
Policy TypeRate Lock
Whole LifeYes – rates never increase
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • 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.