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2024

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Best Life Insurance Companies in Federal Way, WA

Our Recommended Top 13

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Our goal is to connect people with the best local professionals. We scored Federal Way 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.

4227Reviewed

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13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1230 South 336th Street, Federal Way, WA 98003
WebsiteLicense: 146147

Expertise.com Rating

Review Sources

Google
4.8 (29)
Facebook
5.0 (6)

Why choose this provider?

Hart Insurance Agency is an independent insurance company catering to the Auburn area. It works with multiple providers to deliver products tailored to meet their needs. In addition to individual term life insurance, Hart Insurance Agency offers pet medical insurance and homeowners insurance. It also features supplemental plans, such as insurance coverage for floods, landslides, earthquakes, boats, and RVs. It also provides auto and classic car insurance. Commercial and business insurance products are also available.

  • Life Insurance
  • Individual Plans
  • Term Life Insurance

19413 Washington 410, Bonney Lake, WA 98391
WebsiteLicense: 800929

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Schreib Insurance Group is a locally operated and owned insurance agency serving the residents of Federal Way and its surrounding areas. It offers life insurance and term life coverage. Formed in 2011, the group is owned by Jason Schreib who has experience in drafting policies for personal insurance. Other services include commercial, home, auto, health, and umbrella insurance. Schreib Insurance Group works with carriers such as American Strategic Insurance, Progressive, MetLife, American Modern, and Safeco.

  • Life Insurance
  • Health Insurance

3803 Bridgeport Way West, University Place, WA 98466
WebsiteLicense: 22294

Expertise.com Rating

Review Sources

Google
4.5 (4)

Why choose this provider?

Hartley & Hartley Insurance, Inc., is a family-owned independent insurance agency that serves clients in Federal Way. It offers two types of life insurance policies, namely term and whole life from providers that include Safeco Insurance, Progressive, and Liberty Northwest. The agency also covers other types of insurance products for classic cars, motorcycles, general liability, and jewelry. Hartley & Hartley Insurance has been assisting residents of University Place and the Puget Sound Region with their insurance needs since 1978.

  • Life Insurance

2111 Harrison Avenue Northwest, Olympia, WA 98502
WebsiteLicense: 95732

Expertise.com Rating

Review Sources

Facebook
5.0 (17)

Why choose this provider?

Duncan Insurance Brokers is an independent insurance agency that serves clients in Federal Way. It offers various types of life insurance policies, including term life, whole life, and universal life. It also specializes in providing a variety of insurance products and services, such as car, home, condominium, business, and health insurance. Among the industries covered by the agency's insurance services are trucking, construction, and shellfish farms. Duncan Insurance Brokers has been active in the insurance industry for more than 50 years.

  • Life Insurance

7017 27th Street West, University Place, WA 98466
WebsiteLicense: 987947

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Chambers Bay Insurance is an insurance agency that serves clients in Federal Way. It offers several types of life insurance policies, including term life and whole life insurance. The agency also offers other types of insurance products, such as car insurance, home insurance, and umbrella insurance. It has partnered with several insurance companies, including Hagerty, Liberty Mutual, and Nationwide, to offer a wide range of coverage options for clients. The founders, Larry Pratt and Michelle Pratt, established the agency in 2017.

  • Life Insurance

1230 South 336th Street, Federal Way, WA 98003

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Seattle Benefits Consulting is a local agency servicing Federal Way. It offers permanent, term, variable, and final expense life insurance options that can be used for different purposes such as a source of savings, making charitable contributions, creating an inheritance, and replacing income for dependents. Group life insurance is also available under employee benefits along with disability, medical, dental, and vision plans. The agency's team of independent agents presents tailored solutions to clients through its partnership with multiple insurance companies.

  • Life Insurance
  • Individual Plans

Federal Way, WA

Expertise.com Rating

Why choose this provider?

Serving Federal Way, B.Cox Planning provides a variety of insurance services to clients in the metro. It offers life insurance, long-term care insurance, and disability insurance. The business also provides service options such as financial planning, wealth management, retirement planning, estate planning, and comprehensive client-centric legacy planning. Other services include fixed annuities, mutual funds, individual stocks, and separately managed accounts. B.Cox Planning puts a strong focus on offering personalized and comprehensive solutions to fit customer needs. Owner Beverly Cox is a certified financial planner who specializes in insurance, investments, estate, tax, and financial planning.

  • Life Insurance

17425 Vashon Highway Southwest, Vashon, WA 98070
WebsiteLicense: 129202

Expertise.com Rating

Review Sources

Facebook
5.0 (4)

Why choose this provider?

Trigg Insurance Agency has been providing life insurance services to Federal Way for over 30 years. Its team of agents helps individuals choose the right health plans for their families and loved ones. It is also available to assists several businesses, including small non-profits, homeowner's associations, and large national corporations, with the health insurance needs of their employees. In addition, Trigg Insurance Agency partners with insurance carriers like The Hartford, Safeco, RLI Surety, and Liberty Northwest insurance.

  • Life Insurance

7403 Lakewood Drive West, Lakewood, WA 98499
WebsiteLicense: 163653

Expertise.com Rating

Review Sources

Google
5.0 (15)
Facebook
5.0 (5)
Yelp
5.0 (3)

Why choose this provider?

Elliott Insurance Group is a company offering life insurance plans to residents of Federal Way and the surrounding areas. This independent insurance agency helps families prepare for life's uncertainties through universal and term life insurance options. Its team of experienced professionals is equipped with the knowledge and skills to find solutions for its clients' various insurance needs. In addition, Elliott Insurance Group also specializes in auto, home, renters, boat, earthquake, and flood insurance. The company's owner, Christine Elliott Gleason, has been in the industry since 1975.

  • Life Insurance

31817 Gateway Center Boulevard South, Federal Way, WA 98003
WebsiteLicense: 749181

Expertise.com Rating

Review Sources

Google
4.0 (97)
Facebook
4.0 (8)
Yelp
3.0 (4)

Why choose this provider?

Julia Johnson is a life insurance professional from State Farm Insurance catering to residents in Federal Way. She helps clients get financial protection through life insurance products. Julia has been with State Farm Insurance Companies for 19 years and has more than 28 years of experience in the insurance and financial services industry. She holds a Master's Degree in Finance from Florida International University. Her team of professionals can assist clients in English, Spanish, and French.

  • Life Insurance
  • Health Insurance

1535 Olympic Highway North, Shelton, WA 98584
WebsiteLicense: 99476

Expertise.com Rating

Review Sources

Google
5.0 (8)
Facebook
4.0 (7)

Why choose this provider?

Arnold Smith Insurance has been addressing the insurance needs of businesses and families in Federal Way since 1972. The agency carries a selection of personal insurance solutions, including farm, home, auto, and life insurance. Its insurance specialists educate clients about available life insurance programs, such as long-term care, mortgage protection, disability, and individual life insurance plans, and help them choose suitable coverages. A certified insurance counselor, owner Chris Ladner has been running the company since 1993.

  • Life Insurance
  • Health Insurance

Federal Way, WA
WebsiteLicense: 19801735

Expertise.com Rating

Why choose this provider?

T&C Life Insurance Company serves Federal Way and the surrounding areas. It offers life insurance products with term life, whole life, and indexed universal life options. The company is also partnered with Mediator Debt Solutions to help people resolve their credit card debts, student loans, and other unsecured debt. T&C Life Insurance Company is owned and operated by Trey and Cenisha, two active-duty military personnel with over 30 years of combined service time.

  • Life Insurance

3815 100th Street Southwest, Lakewood, WA 98499
WebsiteLicense: 211780

Expertise.com Rating

Review Sources

Facebook
5.0 (3)
Yelp
5.0 (2)

Why choose this provider?

AMR Insurance is a Washington-based insurance firm that advises customers on personal, commercial, life, and specialty insurance coverages such as contractors' insurance and nonprofit insurance. It helps clients find the right life insurance coverage for their needs by choosing among three life insurance products: term life insurance, whole life insurance, and universal life insurance. AMR Insurance collaborates with other insurance firms, including Safeco Insurance, Progressive Insurance, and Liberty Northwest Insurance.

  • Life Insurance
  • Health Insurance

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Hart Insurance Agency
1230 South 336th Street, Federal Way, WA 98003
Schreib Insurance Group
19413 Washington 410, Bonney Lake, WA 98391
Hartley & Hartley Insurance, Inc.
3803 Bridgeport Way West, University Place, WA 98466
Duncan Insurance Brokers
2111 Harrison Avenue Northwest, Olympia, WA 98502
Chambers Bay Insurance
7017 27th Street West, University Place, WA 98466
Seattle Benefits Consulting
1230 South 336th Street, Federal Way, WA 98003
B.Cox Planning
Federal Way, WA
Trigg Insurance Agency
17425 Vashon Highway Southwest, Vashon, WA 98070
Elliott Insurance Group
7403 Lakewood Drive West, Lakewood, WA 98499
Julia Johnson
31817 Gateway Center Boulevard South, Federal Way, WA 98003
Arnold Smith Insurance
1535 Olympic Highway North, Shelton, WA 98584
T&C Life Insurance Company
Federal Way, WA
AMR Insurance
3815 100th Street Southwest, Lakewood, WA 98499

FAQs

  • Does Federal Way impose tax on irrevocable life insurance trusts?

    Proceeds from Federal Way and Washington life insurance policies held in an irrevocable life insurance trust, or ILIT, are not taxable under inheritance and estate tax laws. An ILIT is not held in the decedent's name, and because it is not part of the estate, it avoids probate. An ILIT is also immune from creditors of an estate.

  • How can the IFCA or Insurance Fair Conduct Act help Federal Way life insurance beneficiaries?

    The Insurance Fair Conduct Act, or IFCA, can protect Federal Way life insurance beneficiaries if their insurer denies their coverage claim or benefits for no reason. The insurance company may be ordered by the court to pay the beneficiaries three times the actual damages for unfairly denying payment. Actual damages are the sums owed by the insurance company to their clients and their families.

  • How does the process of life insurance complaints work in Federal Way?

    Complaints about Federal Way life insurance filed with the state's Office of the Insurance Commissioner, or OIC, are reviewed and forwarded to the insurance provider. It will request a response from the insurer within 15 days and will work with the latter to resolve the issue. It then provides the insurance provider's explanation and review to the complainant. If the complaint is not within the OIC's jurisdiction, the OIC suggests steps that the complainant can take to resolve the matter.

  • What does the state’s Office of the Insurance Commissioner do for Federal Way life insurance policyholders?

    The Office of the Insurance Commissioner in Washington regulates the insurance industry and protects Federal Way life insurance policyholders. It ensures that insurers follow the rules and works to help people get the coverage they paid for. It answers questions and investigates insurance issues for nearly 100,000 residents each year. It also has a volunteer network throughout the state that provides insurance advice to consumers.

  • What is the state’s assistance program for Federal Way Holocaust survivors who have life insurance policies?

    Washington's assistance program for Holocaust survivors in Federal Way assists in recovering benefits from assets such as life insurance policies. It is known as the ICHEIC, or International Commission on Holocaust Era Insurance Claims, and it has assisted 203 policyholders, heirs, and families in filing 860 insurance claims totaling over $1 million. Though it no longer accepts claims, certain insurance companies still accept direct claims from consumers.

  • 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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