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Best Life Insurance Companies in Washington DC

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Alliance Insurance Services, Inc. logo
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License Verified:

License: 2849902

DC Department of Insurance, Securities and Banking

Alliance Insurance Services, Inc.

1660 L Street Northwest, Washington, DC 20036
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  • Individual Plans
  • Life Insurance

Business Description

Alliance Insurance Services, Inc., is an independent insurance agency that serves individuals and businesses in Washington, D.C. It offers various types of life insurance policies, such as term, whole, and universal life insurance. The agency also has other types of insurance products for vacation properties, travel, and valuable possessions. Alliance Insurance Services represents several insurance companies that include Chubb, CNA, and Liberty Mutual. The agency is led by principals Ken Daveler and Donald Butcher. They have 70 years of combined insurance experience.

License Verified:

License: 2849902

DC Department of Insurance, Securities and Banking

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Facebook
5.0 / 5 (21)
Google
4.5 / 5 (4)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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B&M Insurance Group logo
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B&M Insurance Group

7375 Executive Pl Ste 170, Lanham, MD 20706
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Business Description

B&M Insurance Group is an independent agency offering a wide range of personal and business insurance options. The company works with a select network of top ranking carriers to provide its clients with resources to choose the coverage that best meets their needs. Its agents assist individuals with securing life and health policies as well as supplemental plans. After consulting with them to determine their individual circumstances and goals, B&M Insurance Group's agents recommend plans that align with their objectives.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Brown Insurance Group logo
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Brown Insurance Group

12118 Heritage Park Cir, Silver Spring, MD 20906
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Business Description

Brown Insurance Group is a full-service personal and business agency. As an independent company, it works with multiple providers to tailor its life insurance policies to align with its customers' needs. Brown Insurance Group is also bilingual, extending its ability to serve the English and Spanish-speaking communities. Its agents meet with individuals to explain the life insurance options available to them. They assess clients' financial circumstances, obligations, and goals before recommending coverage options. The company also offers health insurance options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (47)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Capital Insurance Partners logo
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Capital Insurance Partners

5028 Wisconsin Ave NW Ste 103, Washington, DC 20016
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Business Description

Capital Insurance Partners has provided personal and commercial insurance options for more than 25 years. The independent insurance agency in Northwest Washington offers individual auto, home, and life policies in addition to commercial insurance products specifically tailored to meet its clients' needs. Its agents meet with individuals to discuss their circumstances and goals, evaluating the options available through their partnerships with top-rated carriers. The careful attention that the agency gives to each customer and its detail-oriented approach has been a contributing factor to achieving several industry awards.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CB Chambers Insurance logo
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CB Chambers Insurance

725 Shepherd Street Northwest, Washington, DC 20011
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  • Life Insurance

Business Description

CB Chambers Insurance is an insurance company founded by Robin Chambers in 1984 that serves clients in Washington, D.C. Chambers has extensive experience in the field of insurance prior to becoming a firm owner. His business helps individuals find suitable life insurance policies, such as term, universal, and whole life coverage. It also offers other personal insurance, including homeowners', auto, renters', and flood insurance plans. In addition, it assists businesses in enhancing their scalability by providing workers' compensation, professional liability, and general liability coverage.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (9)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Fomukong's Insurance Group and Services, Inc. logo
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Fomukong's Insurance Group and Services, Inc.

6495 New Hampshire Ave Ste 200, Hyattsville, MD 20783
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Business Description

Fomukong's Insurance Group and Services Inc. has provided personal and commercial clients with a wide array of insurance services for more than 20 years. The independent life insurance agency near Washington offers term and universal policies tailored to meet individual needs. The company's agents evaluate each situation, making recommendations for coverage for a specific time frame or to use as part of an investment portfolio. It also offers health insurance for incoming international travelers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.1 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
HWP Insurance logo
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License Verified:

License: 3031672

DC Department of Insurance, Securities and Banking

HWP Insurance

80 M Street, SE Suite 350, Washington, DC 20003
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  • Life Insurance

Business Description

HWP Insurance is an independent agency that has been operating in Washington, DC since 1916. It offers term and cash value life insurance to individuals who want to protect their family's financial future and employers who need to provide benefits to their employees. Its team tailors the policy based on different factors such as household income, number of dependents, and financial commitments. The agency's president, Michael A. Cauley, works with government contractors, regional companies, real estate-based accounts, and trade associations for their insurance needs.

License Verified:

License: 3031672

DC Department of Insurance, Securities and Banking

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (30)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Imperial Insurance Services logo
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Imperial Insurance Services

8700 Central Ave Ste 106, Landover, MD 20785
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Business Description

Imperial Insurance Services has offered its personal and commercial clients a full range of insurance options for more than 22 years. The independent life insurance company offers the flexibility of selecting the most effective coverage through its network of providers. Its agents consult with individuals and assess which term, whole, or universal policy best meets their needs. Imperial Insurance Services also provides individual and family health plans as well as supplemental policies.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Kevin Hassett logo
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License Verified:

License: 119954

DC Department of Insurance, Securities and Banking

Kevin Hassett

1012 14th St NW Suite 1106, Washington, DC 20005
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  • Life Insurance

Business Description

Kevin Hassett is a State Farm insurance agent that caters to individuals in Washington DC. His agency offers life insurance to help clients obtain financial benefits to dependents in case of death. Motorcycle and car insurance plans are also available to help individuals receive proper compensation for vehicle accidents. In addition, the agency provides business, condo, home, and renters' insurance. Hassett established his office 38 years ago. He is a member of the National Association of Insurance Advisors.

License Verified:

License: 119954

DC Department of Insurance, Securities and Banking

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.5 / 5 (26)
Yelp
3.5 / 5 (3)
Lockhart's Insurance Services logo
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Lockhart's Insurance Services

3907 Georgia Avenue Northwest, Washington, DC 20011
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  • Life Insurance

Business Description

Located in Washington DC, Lockhart's Insurance Services is an independent insurance agency that serves individuals, families, and businesses in the local area. It offers various life insurance policies, such as term life insurance and whole life insurance. It also provides homeowners' insurance, auto insurance, and business insurance. In addition, it offers food spoilage insurance for restaurants. Lockhart's Insurance Services is a Trusted Choice Agency. It is also a Certified Business Enterprise with the DC Department of Small & Local Business Development Agency.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.0 / 5 (13)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Mouton Insurance Brokerage logo
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Mouton Insurance Brokerage

7059 Blair Rd NW Ste 202, Washington, DC 20012
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Business Description

Mouton Insurance Brokerage is a full-service independent agency offering its clients the flexibility to choose the products that best suit their needs. The life insurance company in Washington works with individuals to deliver a variety of term, whole, universal, and final expense plans. Additionally, Mouton Insurance Brokerage offers supplemental policies, such as mortgage protection. Its agents also consult with individuals regarding the financial advantages of including fixed annuities in their portfolios.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
New Era Insurance Agency logo
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New Era Insurance Agency

8204 Fenton St Ste 205, Silver Spring, MD 20910
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Business Description

New Era Insurance Agency has delivered personal and group insurance solutions since 1924. The independent health insurance company near Washington, D.C., works with top-tier carriers to provide its clients with the customized products they require. In addition to major medical plans, New Era Insurance Agency offers supplemental policies, including long-term care, disability, vision, and dental. The company's agents also represents a selection of life insurance providers with packages that ensure their clients' loved ones and assets are protected.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.6 / 5 (9)
Facebook
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Olson Insurance Agency logo
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Olson Insurance Agency

5303 Lee Hwy, Arlington, VA 22207
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Business Description

Olson Insurance Agency has delivered personalized insurance products for more than 44 years. The independent life insurance company evaluates individual circumstances in order match its clients with one of the top-rated carriers it represents. The bilingual company consults with English and Spanish speaking communities to assess financial circumstances, obligations, and assets. Olson Insurance Agency also offers individual and group health insurance plans encompassing multiple variables, such as copay and deductible options.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Senior Life Insurance Company logo
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License Verified:

License: 78662

DC Department of Insurance, Securities and Banking

Senior Life Insurance Company

1 Senior Life Lane, Thomasville, GA 31792
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  • Life Insurance
  • Whole Life Insurance
  • Long Term Care

Business Description

Senior Life Insurance Company is a specialized insurance firm that serves clients in Washington D.C. and the surrounding communities. The company focuses on providing life insurance plans for senior citizens, assisting them in safeguarding the financial future of their grieving loved ones at the time of their demise. Its independent insurance agents specialize in whole life and term life insurance that can protect beneficiaries from ages 0 to 85. The company has been insuring the lives of individuals since 1970.

License Verified:

License: 78662

DC Department of Insurance, Securities and Banking

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Stewart Financial Services logo
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Stewart Financial Services

10210 Greenbelt Rd Ste 960, Lanham, MD 20706
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Business Description

Stewart Financial Services has provided financial solutions for middle-income individuals and families for more than 25 years. One aspect of individual, family, and asset protection is life insurance. As an independent insurance company, Stewart Financial Services partners with a variety of top-rated carriers to offer its clients a wide range of products, such as term, permanent, and lifetime benefits plans. Each is designed to meet the needs of specific circumstances and goals.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
4.7 / 5 (14)
Google
4.4 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Strategy First LLC logo
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Strategy First LLC

20 F St NW Ste 751, Washington, DC 20001
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Business Description

Strategy First LLC has provided insurance solutions for more than nine years. The independent life insurance agency in Washington has established relationships with the top-rated carriers and offer clients the flexibility of choosing the coverage that aligns with their goals. The company's agents consult with individuals, business owners, and HR representatives for government agencies and corporations to ensure they receive the coverage they require. Its term, whole, and universal plans help ensure family and asset protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
T Bradford Insurance Advisors logo
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T Bradford Insurance Advisors

11810 Grand Park Ave Ste 500, North Bethesda, MD 20852
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Business Description

T. Bradford Insurance Advisors is an independent agency offering its personal and business clients a diverse range of insurance options. The independent life insurance company partners with a network of highly ranked carriers to provide its clients products tailored to meet their needs. Its agents meet with individuals to develop of thorough understanding of their financial circumstances, obligations, and goals. They evaluate current and future earnings, debts, familial responsibilities, and assets before making recommendations regarding term, whole, and universal policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (36)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Thacker Insurance Services logo
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License Verified:

License: 2829127

DC Department of Insurance, Securities and Banking

Thacker Insurance Services

2141 P St NW, Suite 103, Washington, DC 20037
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  • Life Insurance

Business Description

Thacker Insurance Services is an agency that serves individuals and families in Washington DC and nearby locations. It partners with multiple insurance carriers to provide various life insurance policies that cover financial inheritance, final expenses, and debts. Its agents help clients find the insurance suitable for their needs. Insurance products for homes, automobiles, and condominiums are also available. Thacker Insurance Services extends its services for businesses finding coverage for cyber liability, customer injuries, general liability, and property damage.

License Verified:

License: 2829127

DC Department of Insurance, Securities and Banking

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (318)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Virginia Medical Plans logo
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Virginia Medical Plans

1404 Northpoint Glen Ct, Herndon, VA 20170
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Business Description

Virginia Medical Plans has provided individual and group health solutions for more than 25 years. The independent agency represents a diverse group of carriers to tailor options that meet its clients' needs. The company's selections may include HMOs, PPOs, FFSs, and POSs for individuals, families, and the self-employed. In addition to aligning major medical policies with the copay, deductible, and annual limits comfortable for its clients, Virginia Medical Plans also offers supplemental policies, such as Medicare, dental, disability, and vision.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Yasmin Insurance Agency logo
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Yasmin Insurance Agency

1331 Holton Ln, Takoma Park, MD 20912
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Business Description

Yasmin Insurance Agency has provided bilingual insurance solutions for the English and Spanish-speaking communities since 2001. The independent life insurance company near Washington consults with individuals to evaluate their current financial circumstances, familial obligations, and goals. Its agents deliver term, whole, and universal policy options tailored to meet their clients' needs. Yasmin Insurance Agency also offers health insurance as well as supplemental plans, including dental, vision, long-term care, and disability.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (130)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Back to Providers

Frequently Asked Questions

Which is better, term or whole life insurance?

Life insurance is a personal financial tool, so the right type of insurance for you depends on your goals and current situation. One of the main differences between term life insurance and whole life insurance is that term life insurance only covers you for a set period of time. Once you meet the premium payment requirements on a whole life plan, it covers you for the rest of your life. Whole life insurance also builds cash value, making it a potential investment. But whole life insurance is typically much more expensive than term life insurance.

How much life insurance do I need?

A common recommendation is purchasing life insurance that is equal to five times your current salary, or more. But you can also estimate how much life insurance you need by adding up your debts, annual expenses for dependents multiplied by the years you want to ensure support, and any other items you wish to cover, such as a future wedding or college tuition.

How does life insurance work?

The details of how life insurance works depend on your individual plan, but the basics are as follows: 

  • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
  • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
  • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.

How much is life insurance?

The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

Is life insurance taxable?

Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


Can I buy health insurance that is not Obamacare?

When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

Can I buy health insurance anytime?

To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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