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2024

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Best Life Insurance Companies in Washington DC

Our Recommended Top 17

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Washington DC 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.

26226Reviewed

15742Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5028 Wisconsin Ave NW Ste 103, Washington, DC 20016

Expertise.com Rating

Review Sources

Facebook
5.0 (18)
Yelp
1.0 (2)

Why choose this provider?

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.

12118 Heritage Park Cir, Silver Spring, MD 20906

Expertise.com Rating

Review Sources

Google
4.0 (47)

Why choose this provider?

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.

7375 Executive Pl Ste 170, Lanham, MD 20706

Expertise.com Rating

Why choose this provider?

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.

10210 Greenbelt Rd Ste 960, Lanham, MD 20706

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Review Sources

Facebook
4.7 (14)
Google
4.4 (5)

Why choose this provider?

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.

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

Expertise.com Rating

Review Sources

Google
5.0 (36)

Why choose this provider?

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.

20 F St NW Ste 751, Washington, DC 20001

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

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.

8204 Fenton St Ste 205, Silver Spring, MD 20910

Expertise.com Rating

Review Sources

Google
4.6 (9)
Facebook
5.0 (5)

Why choose this provider?

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.

7059 Blair Rd NW Ste 202, Washington, DC 20012

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

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.

1331 Holton Ln, Takoma Park, MD 20912

Expertise.com Rating

Review Sources

Google
4.9 (130)
Yelp
5.0 (1)

Why choose this provider?

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.

3907 Georgia Avenue Northwest, Washington, DC 20011

Expertise.com Rating

Review Sources

Google
4.0 (13)
Facebook
5.0 (3)

Why choose this provider?

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.

  • Life Insurance

5303 Lee Hwy, Arlington, VA 22207

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Yelp
5.0 (3)

Why choose this provider?

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.

6495 New Hampshire Ave Ste 200, Hyattsville, MD 20783

Expertise.com Rating

Review Sources

Google
4.1 (7)

Why choose this provider?

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.

2141 P St NW, Suite 103, Washington, DC 20037
WebsiteLicense: 2829127

Expertise.com Rating

Review Sources

Facebook
5.0 (5)
Google
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

725 Shepherd Street Northwest, Washington, DC 20011

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (9)
Yelp
5.0 (1)

Why choose this provider?

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.

  • Life Insurance

1404 Northpoint Glen Ct, Herndon, VA 20170

Expertise.com Rating

Review Sources

Yelp
4.5 (15)

Why choose this provider?

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.

80 M Street, SE Suite 350, Washington, DC 20003
WebsiteLicense: 3031672

Expertise.com Rating

Review Sources

Google
4.8 (36)
Facebook
5.0 (16)

Why choose this provider?

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.

  • Life Insurance

1012 14th St NW Suite 1106, Washington, DC 20005
WebsiteLicense: 119954

Expertise.com Rating

Review Sources

Google
4.5 (25)
Yelp
3.5 (3)

Why choose this provider?

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.

  • Life Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Capital Insurance Partners
5028 Wisconsin Ave NW Ste 103, Washington, DC 20016
Brown Insurance Group
12118 Heritage Park Cir, Silver Spring, MD 20906
B&M Insurance Group
7375 Executive Pl Ste 170, Lanham, MD 20706
Stewart Financial Services
10210 Greenbelt Rd Ste 960, Lanham, MD 20706
T Bradford Insurance Advisors
11810 Grand Park Ave Ste 500, North Bethesda, MD 20852
Strategy First LLC
20 F St NW Ste 751, Washington, DC 20001
New Era Insurance Agency
8204 Fenton St Ste 205, Silver Spring, MD 20910
Mouton Insurance Brokerage
7059 Blair Rd NW Ste 202, Washington, DC 20012
Yasmin Insurance Agency
1331 Holton Ln, Takoma Park, MD 20912
Lockhart's Insurance Services
3907 Georgia Avenue Northwest, Washington, DC 20011
Olson Insurance Agency
5303 Lee Hwy, Arlington, VA 22207
Fomukong's Insurance Group and Services, Inc.
6495 New Hampshire Ave Ste 200, Hyattsville, MD 20783
Thacker Insurance Services
2141 P St NW, Suite 103, Washington, DC 20037
CB Chambers Insurance
725 Shepherd Street Northwest, Washington, DC 20011
Virginia Medical Plans
1404 Northpoint Glen Ct, Herndon, VA 20170
HWP Insurance
80 M Street, SE Suite 350, Washington, DC 20003
Kevin Hassett
1012 14th St NW Suite 1106, Washington, DC 20005

FAQs

  • Does universal life insurance in Washington D.C. accumulate cash value?

    Yes, universal life insurance policies in Washington, DC, can accumulate cash value. The funds in universal life insurance earn interest either through the policy's minimum interest rate or the current state of the market, whichever is higher. Policy owners have the option to use part of the accumulated cash value in the form of loans or withdrawals.

  • Is suicide covered in life insurance plans in Washington D.C.?

    Every life insurance company in Washington D.C. has a death by suicide exclusion, which is typically a two-year clause. In the event a policy owner dies by suicide within two years of taking out the policy, then his/her beneficiaries will not be able to collect any death benefits. Some life insurance providers only return the premiums to the beneficiaries and not the benefits. Insurance companies follow this clause to prevent individuals who are planning to commit suicide from purchasing life insurance. Most companies even screen people for mental health conditions before approving their life insurance applications.

  • What is the difference between term and permanent life insurance plans in Washington D.C.?

    There are two main types of life insurance in Washington D.C.: term and permanent. Term life insurance covers individuals for a specific period of time, ranging between 10 and 30 years. It pays out a certain lump sum to a beneficiary if the policy owner dies. On the other hand, permanent life insurance offers protection for life as long as the policy owner continuously pays for their premiums in full. It accumulates cash value, which the policy owner may use later in life.

  • Can you get life insurance in Washington D.C. if you smoke or ingest marijuana?

    Yes, you can get life insurance in Washington, DC, even if you smoke or ingest marijuana. In the District of Columbia, the use of recreational marijuana has already been legalized. Some insurance companies charge marijuana users the same rate as cigarette smokers, while others offer standard non-tobacco rates for those who consume marijuana for recreational use only.

  • Can you use the cash value portion of your life insurance plan in Washington D.C. for tax diversification?

    Yes, you can use the cash value portion of your life insurance plan in Washington, DC, for tax diversification. The accumulated fund value in your life insurance plan can be taken out as loans. A lot of affluent investors have already been using the cash value of their insurance to diversify their portfolio, including their taxes. If done and managed correctly, these can be forgiven at death under the current tax code.

  • 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.

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