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Best Life Insurance Companies in District of Columbia

Our Recommended Top 5

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Our goal is to connect people with the best local professionals. We scored District of Columbia life insurance companies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

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Providers

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Best Life Insurance Companies Serving District of Columbia
District of Columbia

Why choose this provider?

Waterfront Insurance Network provides services to the District of Columbia and the nearby areas. It specializes in helping individuals apply for term and whole life insurance policies to help protect their future of their businesses, children, businesses, and assets or properties. These insurance plans also cover clients' final expense and retirement funds. The agency's president and broker, Rhonda L. Hamilton, also serves clients in Maryland and Virginia. Waterfront Insurance Network carries products from Foremost, Travelers, Grange Insurance, Berkshire Hathaway, American Modern, and Allstate.

  • Life Insurance

Best Life Insurance Companies Serving District of Columbia
District of Columbia

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4.8 (34)
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5.0 (12)

Why choose this provider?

HWP Insurance is an independent company founded in 2007 that serves clients in the District of Columbia and the surrounding areas. The policies it crafts include term life and cash value life insurance. It also deals with other protection plans, such as auto, business, employee, and home insurance. The company strives to uphold respect and integrity by taking its clients' needs into consideration and maintaining professional relationships with them. It is affiliated with various organizations, like the Society of Financial Service Professionals and Associated Builders and Contractors, Inc.

  • Life Insurance

Best Life Insurance Companies Serving District of Columbia
District of Columbia

Expertise.com Rating

Why choose this provider?

For over 20 years, The Harold Group Inc. has been providing financial advice and life insurance solutions to clients in the District of Columbia. It offers term and whole life plans, as well as fixed income and annuities. Its agents determine coverage strategies and policies that fit the client's present and future needs. Their multiple carriers include The Harford, Liberty Mutual, Foresters, Allianz, and Midland National. The company also recommends personal and commercial insurance products. It belongs to the Strategic Insurance Agency Alliance.

  • Life Insurance

Best Life Insurance Companies Serving District of Columbia
District of Columbia

Why choose this provider?

Risk Cooperative helps with clients' life insurance needs of clients in the District of Columbia. It is a minority-owned risk advisory and insurance brokerage firm established in 2014. Its life insurance programs include key person coverage and term life insurance policies. It also offers health, liability, workers' compensation, cargo, and cyber risk insurance. The company seeks to deliver the best insurance solutions by partnering with various known carriers, such as CNA, Chubb, CareFirst, Aetna, and ASP.

  • Term Life Insurance
  • Health Insurance
  • Life Insurance

Best Life Insurance Companies Serving District of Columbia
District of Columbia

Expertise.com Rating

Why choose this provider?

The Associated Builders and Contractors Insurance Trust help its members in the District of Columbia find the life insurance plans that fit their needs. It offers unique proprietary life insurance options such as flat schedule, earnings schedule, class schedule, supplemental life, dependent life, and special AD&D life insurance coverages. It also offers dental, short-term, and long-term disability insurance, as well as traditional medical plans. The group has been providing employee insurance plans and benefits to ABC member companies for over 60 years.

  • Long Term Care
  • Health Insurance
  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Waterfront Insurance Network
800 Maine Ave SW Suite #200, District of Columbia, DC 20024
HWP Insurance
80 M Street, SE Suite 350, District of Columbia, DC 20003
The Harold Group Inc.
1629 K Street N.W. Suite 300, District of Columbia, DC 20006
Risk Cooperative
1835 7th St NW, #103, District of Columbia, DC 20001
Associated Builders and Contractors Insurance Trust
440 1st St NW, District of Columbia, DC 20001

District of Columbia Life Insurance FAQs

  • How does the health and life insurance guaranty association of the District of Columbia help policyholders?

    The Health and Life Insurance Guaranty Association of the District of Columbia helps policyholders by fulfilling its purpose of ensuring that policyholders are protected, barring certain limits, when one of its member insurers cannot meet its financial obligations to its clients. The association assesses other member insurers for the funds to pay claims of the insured. In certain cases, it keeps coverage in force.

  • When can District of Columbia employees make changes to their life insurance, whether DCEGLI or FEGLI?

    District of Columbia employees may make changes to their life insurance, whether DCEGLI or FEGLI, during their open enrollment period, which is scheduled by the US Office of Personnel Management every seven years. They can also make a change when their family status changes (known as a QLE or qualifying life event) within 31 days after the QLE. Employees under DCEGLI may request the Standard Life Insurance Company directly for an increase in their coverage.

  • What are some common family status changes that a District of Columbia employee may consider as qualifying life events or QLEs for which they can make changes in their life insurance policy?

    Some common family status changes that District of Columbia employees may consider as qualifying life events or QLEs for which they can make changes in their life insurance include the following:

    • Marriage, legal separation, annulment, or divorce.
    • Death of a dependent or spouse.
    • Adoption or birth of a child.
    • Immigration of the family in another country to the U.S.
    • Assumption of child guardianship or foster child placement.
    • Court-ordered insurance coverage of a child.
  • How much does life insurance cost on the average in the District of Columbia?

    On average, District of Columbia life insurance costs approximately $53 per month or about $636 per year. Rates of insurance in the metro are higher by $5 per year compared to the national average. The price of insurance premiums depends on the policyholder’s age, health status, and gender.

  • What is the minimum age in which one may be able to purchase their own life insurance policy in the District of Columbia?

    The minimum age at which one may be able to purchase their own life insurance policy in the District of Columbia is 18 years old. As an alternative, parents may buy a policy for their children either as an individual plan or list them as a rider in their existing insurance.