Life Insurance By State

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.

1 min read
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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.

AgeMaleMale (Smoker)FemaleFemale (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 AgencyAddressPhone
Security First Insurance IL721 S Dearborn St+13127548081
Jenny Life107 Spring St+18558853669
Evergreen New Life Insurance Agency1041 S King St Ste C+12064575971
Pillar International Insurance Advisors600 University St Suite 2800+12067360500
Independent Insurance WA300 Lenora St #484+12066811572
Elite insurance agency Seattle WA3837 13th Ave W #103+14252171862
Mountaineers Financial and Insurance Solutions600 SW Kenyon St+15625241799
Town Insurance COtrianon building, 2505 3rd Ave+12533644687
Seattle: Business and Contractors Insurance and Bonds1510 14th Ave+12063223910
Prime care Insurance Co1501 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 AgencyAddressPhone
John Mendoza, Bankers Life Agent1101 N Argonne Rd Ste 203 Spokane Vly+15093265217
KBG Insurance & Financial601 W 1st Ave Suite 1400+15092423244
Jorgensen Insurance Agency816 W Francis Ave PMB#551+15095634413
Legacy Insurance LLC9425 N Nevada St Ste 210+15099602550
All Lines Insurance6404 N Monroe St+15093271658
Marsh McLennan Agency501 N Riverpoint Blvd STE 403+15098383501
Taylor & Associates, LLC American Family Insurance159 S Lincoln St ste 210+15095593004
Life Asset Mgmt. LLC: Allstate Insurance1908 W Northwest Blvd C+15098226899
Guardian Life605 E Holland Ave+15094686000
Stacy Spelman, Agent – New York Life4273 W Pine Cliff Ct+12068516215
New York Life Insurance601 W Riverside Ave Suite 1600+15097475151
Guardian Insurance Co1202 E Sprague Ave # 201+15099343610
Bockemuehl, James H – Northwestern Mutual Life Ins705 W 7th Ave+15093439140
Essentials Insurance Co209 W 9th Ave+15092892428
Fred Becker Agency – Simmons Insurance Group12817 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 AgencyAddressPhone
Mutual Life Insurance Co10900 NE 8th St #1550+14253861642
Millennium Insurance Group11900 NE 1st St Suite 300+12062475360
Bellevue insurance Agency Inc3055 112th Ave NE #102+14255499530
Lisa Gambardella, Bankers Life Agent3055 112th Ave NE Ste 202+14257020274
Selected Insurance Bellevue2002 132nd Ave SE+13602282879
Bellevue Insurance Quotes11811 NE 1st St+14253908486
State insurance Agency330 112th Ave NE Ste 304+12062224884
Bellevue Insurance Solution4205 148th Ave NE Ste 102+15092574457
Pro Insurance Service929 108th Ave NE+14253121801
eCoverage, LLC1203 114th Ave SE+18554530445
Yeh’s Insurance services2700 Richards Rd Suite 204+14253452122
The Jacobson Group500 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 AgencyAddressPhone
VOSS INSURANCE GROUP5005 Center St Ste C+12532447135
Best Insurance Tacoma6429 S Tacoma Way+12534731415
Tony Albert6004 Westgate Blvd Suite 120+12532267336
More Life with Monae5406b S Tacoma Way #210+12532525526
Buser Insurance Agency711 St Helens Ave #207b+12532827811
Empire Insurance Brokers5409 S Tacoma Way+12538886469
New York Life Insurance1201 Pacific Ave #1600+12535977100
Secured Insurance Agency Tacoma4275 S Pine St+15642166273
Safety Insurance WA2106 Pacific Ave+12533424090
Success Insurance WA317 S 72nd St+12533388927
Best Insurance Company950 Pacific Ave+12066811524
MassMutual Northwest – Tacoma Office4301 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 AgencyAddressPhone
Dani-Mac Insurance Solutions1811 Main St #202+13606095613
Kat’s Insurance Agency LLC14601 NE 90th St+13609099082
Adult Financials Unlimited400 E Evergreen Blvd Ste 312+19713404759
Davidson & Associates Insurance Agency Inc11112 NE 51st Cir+13605149550
American Senior Choices113 NE 92nd Ave+13602613659
Smith Life & Annuity Agency3305 Main St+13609491376
AssuredPartners16703 SE McGillivray Blvd #225+15032580227
Lemar Eisenhut – Aflac Insurance Agent6400 NE Hwy 99 #179+13609032763
Life Insurance Quotes800 NE Tenney Rd #110-120+13606088650
Matt Garner Insurance of Vancouver WA7414 NE Hazel Dell Ave #219+13607714757
Merrill Insurance16821 SE McGillivray Blvd+13606247614
Kidder-Bonstein Insurance Services916 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

“Immediate Solution” Whole Life Insurance
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
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 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
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 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
Advantages
  • Lenient underwriting
  • Shortest application, industry-wide
  • Automated underwriting (approval potentially in minutes)
  • No medical exam
  • Flat, never-increasing premiums
Considerations
  • N/A

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Written by

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.

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