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Best Life Insurance Companies in Bellingham, WA

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
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Our goal is to connect people with the best local professionals. We scored Bellingham 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.

3673Reviewed

2209Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

141 West Kellogg Road, Bellingham, WA 98226
WebsiteLicense: 839126

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Cascadia Insurance is an insurance service provider based in Bellingham. Serving individuals, families, and businesses throughout the area, the agency offers a wide range of insurance products, such as life insurance plans. It provides term life insurance, universal life insurance, whole life insurance, and final expense insurance policies. In addition, the agency provides various types of health insurance products and long-term care insurance plans. Its team assists clients in assessing how much life insurance they need to select the right level of coverage.

  • Life Insurance
  • Health Insurance

2615 Meridian Street, Bellingham, WA 98225
WebsiteLicense: 24933

Expertise.com Rating

Review Sources

Google
4.0 (120)
Facebook
5.0 (17)
Yelp
5.0 (1)

Why choose this provider?

Magas Insurance, Inc., is an independent insurance agency serving the residents of Bellingham, Ferndale, and nearby areas. It offers term and whole life insurance policies to its customers to help them protect their families financially in the event of their passing. Other insurance products include auto, health, disability, boat, umbrella, and homeowners' insurance. The professionals at this company are knowledgeable about insurance guidelines and work with carriers such as MetLife, Progressive, and Safeco Insurance to find a policy that fits customers' needs.

  • Health Insurance

5615 3rd Avenue, Ferndale, WA 98248
WebsiteLicense: 36639

Expertise.com Rating

Review Sources

Facebook
4.0 (5)

Why choose this provider?

Billy Slesk is a State Farm agent specializing in life insurance. He writes policies for Bellingham and its surrounding areas. Billy has been in the insurance business since 1986. He also belongs to a family of insurance agents. His team is comprised of four members to help provide services to clients. His office covers other insurance products, such as health, home, auto, pet, and business. Financial products such as banking and annuities are offered as well.

  • Life Insurance
  • Health Insurance

103 West Main Street, Everson, WA 98247
WebsiteLicense: 95890

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
5.0 (7)
Yelp
3.0 (3)

Why choose this provider?

Kelley Insurance Agency & Financial Services, Inc. is an independent insurance agency that provides a variety of products to clients in Bellingham. Life insurance, health insurance, personal insurance, business insurance, and specialty insurance are offered by the company. It also has group benefits insurance options including group life insurance, legal insurance, dental insurance, pet insurance, and vision insurance. Commercial insurance for vehicles are also available. A family-owned business, Kelley Insurance Agency & Financial Services, Inc., has been in operation for more than seven decades.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

1844 Iron Street, Bellingham, WA 98225
WebsiteLicense: 41326

Expertise.com Rating

Review Sources

Facebook
5.0 (13)
Google
5.0 (11)

Why choose this provider?

Bob Wallin Insurance offers comprehensive personal and commercial insurance solutions in Bellingham. The company provides client assistance in obtaining appropriate insurance products and maintains a partner-carrier network, which includes Foremost, Dairyland, and Chubb. Its agents inform clients of four life insurance options, including universal, term, and whole life insurance, and their benefits, such as cash value build-ups. Bob Wallin Insurance also carries insurance coverage for manufactured home dealerships, liquor liability, and recreational vehicles. Moreover, it offers contractors' surety bonds.

  • Life Insurance
  • Health Insurance

1801 F Street, Bellingham, WA 98225
WebsiteLicense: 1138271

Expertise.com Rating

Review Sources

Google
5.0 (4)
Facebook
5.0 (4)

Why choose this provider?

Mountain View Insurance serves businesses, individuals, and families in the Bellingham metro. The insurance company offers life, health, and long-term care insurance and Medicare plans. Its insurance agent discusses with the client their coverage needs and future financial goals and provides risk assessment to find the right insurance option or create a tailored insurance plan. As an independent insurance company, it is able to provide a wide array of term and permanent life insurance policies from multiple insurance carriers.

  • Life Insurance

8874 Bender Road, Lynden, WA 98264
WebsiteLicense: 1001872

Expertise.com Rating

Review Sources

Facebook
5.0 (20)

Why choose this provider?

Amy Warenski offers risk management solutions from her Lynden office. Serving Bellingham and the rest of Whatcom County, she assists residents in a number of areas, including life insurance which has three types: whole life, universal life, and term life. Depending on clients' needs, she can furnish policies that provide lifetime protection or convertible plans that offer short-term coverage. In addition, she specializes in handling state-to-state relocations, and she also offers homeowners' insurance, which may cover damages resulting from earthquakes.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

1400 Broadway, Bellingham, WA 98225
WebsiteLicense: 128541

Expertise.com Rating

Review Sources

Google
4.0 (181)
Facebook
5.0 (48)
Yelp
4.0 (9)

Why choose this provider?

Rice Insurance LLC is a full-service insurance agency in Bellingham. The firm assists clients in locating the best life insurance plan to meet their beneficiaries' future financial obligations. The team specializes in whole life, term life, and universal life insurance, including survivorship policies. The group also provides individual health and Medicare insurance. The firm began operating in 1946 and has been recognized as one of the 500 fastest-growing private companies in the U.S. by Inc. Magazine.

  • Life Insurance
  • Health Insurance

501 Front Street, Lynden, WA 98264
WebsiteLicense: 32586

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Snapper Shuler Kenner insurance brokerage firm that was established in 1925. Serving Bellingham and surrounding communities, it offers a wide range of life insurance policies including term, whole, universal, final expense, and group. Its team assists individuals and businesses determine the type of coverage they need, even for those with pre-existing health conditions. Aside from providing personal and business insurance solutions, the agency also specializes in surety bonds services for contractors, licenses and permits, public officials, and retainage.

  • Life Insurance
  • Group Plans
  • Whole Life Insurance

5701 3rd Avenue, Ferndale, WA 98248
WebsiteLicense: 224198

Expertise.com Rating

Review Sources

Google
4.0 (34)

Why choose this provider?

D & D Insurance Agency is an independent insurance company that serves the residents of Bellingham and the rest of the state. It provides various life insurance products, such as term life, traditional whole life, variable universal life, and universal life insurance plans. It also offers health, dental, and vision insurance for both individuals and groups. Moreover, D & D Insurance Agency has partnered with a wide variety of insurance providers, including UnitedHealthcare, American Strategic Insurance, and Cigna.

  • Life Insurance
  • Health Insurance
  • Individual Plans

316 McLeod Road, Bellingham, WA 98226
WebsiteLicense: 1007852

Expertise.com Rating

Review Sources

Google
5.0 (15)

Why choose this provider?

Kimbler Insurance is a family-owned firm that delivers whole, term, universal, and variable life insurance solutions in Bellingham. It has a partnership with diverse carriers to provide multiple options for every client. Additionally, health, home, auto, and commercial general liability products are available. The company's owner, Alex Kimbler, is a local Bellingham who pursued his interest in economics and finance by joining his family's business. Kimbler Insurance has been in the insurance and finance business since 2005.

  • Life Insurance
  • Health Insurance
  • Whole Life Insurance

P.O. Box 779, Bellingham, WA 98252
WebsiteLicense: 849321

Expertise.com Rating

Review Sources

Google
4.0 (10)

Why choose this provider?

Chris Bonner Insurance is a full-service insurance firm that serves clients in the Bellingham area. It offers a range of life insurance policies to help clients secure their financial responsibilities to their loved ones and families. It also provides risk protection coverages for homes, vehicles, and commercial properties. It is committed to focusing on its clients' needs and informing them about the different options available to them. Its principal agent, Chris Bonner, has been in the field since 2005.

  • Life Insurance

2417 Meridian Street, Bellingham, WA 98225
WebsiteLicense: 30002

Expertise.com Rating

Review Sources

Google
4.0 (5)
Facebook
5.0 (3)

Why choose this provider?

Oltman Insurance & Financial Services started as an agency that had represented State Farm in 1932 and switched to an independent firm in the late 1930s. Its Bellingham office helps clients purchase life insurance, including term life and whole life coverages. In addition, it offers key employee insurance and assists customers looking to fund a buy-sell agreement using life insurance. Furthermore, the team insures cars, motorcycles, homes, RVs, farms, and businesses. Oltman Insurance & Financial Services also has a headquarters in Lynden.

  • Life Insurance
  • Health Insurance
  • Term Life Insurance

1111 North Forest Street, Bellingham, WA 98225
WebsiteLicense: 870426

Expertise.com Rating

Review Sources

Google
5.0 (11)
Facebook
5.0 (5)

Why choose this provider?

Von Smith Insurance is a life insurance agency that serves clients in Bellingham and its surrounding areas. The firm offers a variety of life insurance options, including whole, term, and universal life insurance, to secure its clients and their families in case of an unexpected event. Some of the insurance carriers that Von Smith Insurance represents are Genworth Financial, The Hartford, and The Main Street America Group. The independent company was founded by Von Smith, its president and CEO, in December 2014.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Cascadia Insurance
141 West Kellogg Road, Bellingham, WA 98226
Magas Insurance, Inc.
2615 Meridian Street, Bellingham, WA 98225
Billy Slesk
5615 3rd Avenue, Ferndale, WA 98248
Kelley Insurance Agency & Financial Services, Inc.
103 West Main Street, Everson, WA 98247
Bob Wallin Insurance
1844 Iron Street, Bellingham, WA 98225
Mountain View Insurance
1801 F Street, Bellingham, WA 98225
Amy Warenski
8874 Bender Road, Lynden, WA 98264
Rice Insurance
1400 Broadway, Bellingham, WA 98225
Snapper Shuler Kenner
501 Front Street, Lynden, WA 98264
D & D Insurance Agency
5701 3rd Avenue, Ferndale, WA 98248
Kimbler Insurance
316 McLeod Road, Bellingham, WA 98226
Chris Bonner Insurance
P.O. Box 779, Bellingham, WA 98252
Oltman Insurance & Financial Services
2417 Meridian Street, Bellingham, WA 98225
Von Smith Insurance
1111 North Forest Street, Bellingham, WA 98225

FAQs

  • Should Bellingham residents who have reached their retirement-related savings account limits get a variable universal life insurance policy?

    Individuals in Bellingham who have reached the limits of their retirement-related savings accounts, such as IRA and 401(k), should consider purchasing a variable universal life policy. Once the policyholder of a variable universal life policy has made a certain amount of premium payments, they can change the death benefit amount, the frequency, and the amount of premium payments. Additionally, they can aggressively increase the cash value component of their coverage.

  • What are the common reasons for backdating your life insurance policy in Bellingham?

    Backdating your Bellingham life insurance policy can lower your premium by calculating your risk at a younger age. Since your life insurance rate will often rise as you get older when you apply, you may be able to lower your cost by citing a younger age when the coverage is underwritten. Backdating a policy could also help your payment deadline fall on a day that's convenient for you.

  • How do you get payments from your Bellingham life insurance policy's long-term care rider?

    Your Bellingham life insurance policy's long-term care rider could pay out in one of two ways: indemnity or reimbursement. If your policy offers indemnity payments, you receive a predetermined monthly sum you can spend any way you like. If your policy has a reimbursement plan, you can get your money back for the covered costs by providing your monthly bill receipts to your insurer.

  • What typical errors should you avoid during a life insurance phone interview in Bellingham?

    Avoid making the following common errors during your life insurance phone interview in Bellingham as they could have a negative effect on your application:

    • Acting evasively or unwillingly in the interview.
    • Ignoring subsequent demands for more details or medical records.
    • Forgetting crucial information regarding your medical or health history.
    • Overstating or understating your health issues or dietary preferences.
  • What are the financial drawbacks of canceling your Bellingham life insurance policy?

    The cash value you have built up in your Bellingham life insurance policy may be liable for surrender fees or charges when you cancel it. The amount of money you will receive upon surrendering your policy may be drastically reduced by these fees. Additionally, canceling your policy may have tax consequences since the surrender value may be viewed as taxable income.

  • 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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