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2024

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Best Life Insurance Companies in Seattle, WA

Our Recommended Top 17

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 Seattle 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.

26523Reviewed

15920Curated

17Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

24001 56th Ave W Ste D403, Mountlake Terrace, WA 98043

Expertise.com Rating

Review Sources

Google
5.0 (3)
Facebook
5.0 (2)

Why choose this provider?

Golden Insurance was established in 1953 under David R. Golden. As an Independent Agency, we work with various Top Tier Carriers, including Safeco, Liberty Mutual, Encompass, and Symetra Financial to find the best solution for our clients. The agency assists individuals in the Seattle metro area with life insurance policies. Term, whole, and universal policies are all within its breadth of experience, and this company advises clients on associated benefits such as death and living benefit options. Clients receive assistance throughout the exploration process, and also afterward as they make changes to policies or file claims. Golden Insurance sells auto, home, business, commercial auto, and flood insurance policies too.

611 4th Avenue, Suite A, Kirkland, WA 98033
WebsiteLicense: 1024987

Expertise.com Rating

Review Sources

Google
5.0 (72)
Facebook
5.0 (11)
Yelp
5.0 (1)

Why choose this provider?

CEG Life Insurance Services is a family-owned independent insurance agency that has been serving individuals, families, and businesses from Seattle and the surrounding areas since 2009. It specializes in providing financial security and peace of mind for every stage of life by offering life insurance policies, disability insurance, long-term care insurance, and annuities from more than 30 top carriers. Founder and president Daniel Adams is a CERTIFIED FINANCIAL PLANNER™ professional and has served more than a thousand clients during his career.

  • Life Insurance

4610 200th Street Southwest, Lynnwood, WA 98036
WebsiteLicense: 809457

Expertise.com Rating

Review Sources

Yelp
4.0 (14)
Facebook
5.0 (6)
Google
5.0 (1)

Why choose this provider?

Founded in 1964, City Insurance Center is an independent insurance agency that offers life insurance plans in Seattle. Its life insurance comes with term life insurance, whole life insurance, and universal life insurance options. It also offers vehicle insurance such as auto insurance, boat insurance, and motorcycle insurance, as well as homeowners' insurance, renters' insurance, and flood insurance. City Insurance Center represents various insurance companies including Dairyland Insurance, MetLife, and Progressive.

  • Life Insurance

5254 University Way Northeast, Seattle, WA 98105
WebsiteLicense: 940751

Expertise.com Rating

Review Sources

Google
5.0 (121)
Yelp
5.0 (7)
Facebook
5.0 (3)

Why choose this provider?

Duy Bui is an insurance agent who caters to individuals, families, and business owners in Seattle and the surrounding communities. He helps clients manage everyday risks and secure their dependents' financial stability by providing them with life insurance solutions. In addition, he provides a variety of insurance plans, including auto insurance, home insurance, property insurance, business insurance, and pet insurance. Bui works for State Farm, an insurance company that underwrites the insurance policies that he offers.

  • Multiple Policy Types

210 5th Ave S Ste 203, Edmonds, WA 98020

Expertise.com Rating

Review Sources

Google
4.8 (216)
Facebook
5.0 (116)

Why choose this provider?

FirstMark Insurance Group is active within the Seattle metro area and sells life insurance policies that address both personal and business needs. It helps clients to purchase life insurance plans and select benefit options that adequately cover their expenses and provide for their dependents in the event of their deaths. This agency is also experienced with business-centric life insurance needs and helps clients with significant business interests to purchase policies that provide financial protections in case a business becomes defunct following an owner's passing.

19031 33rd Ave W Ste 314, Lynnwood, WA 98036

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

The Medicare Exchange specializes in health insurance plans under the Medicare umbrella and also offers various life insurance products. Its agents assess each client to help them find the right type of Medicare program or supplement program and they help with difficulties associated with these policies. General life insurance is available alongside policies that provide more narrow coverage for final expenses. Clients who need long-term care coverage can also purchase said policies from The Medicare Exchange.

10827 Northeast 68th Street, Kirkland, WA 98033
WebsiteLicense: 30021

Expertise.com Rating

Review Sources

Google
4.0 (5)
Facebook
4.3 (3)
Yelp
5.0 (2)

Why choose this provider?

Omega Financial Investments & Insurance is a firm in Kirkland comprised of insurance professionals and financial advisors that serves clients in Seattle. The firm is led by John Storbeck, an investment advisor with years of experience as a life insurance originator. It offers life insurance products such as whole life, term life, and universal life insurance policies. These products provide policyholders death benefits, liquid assets that can be used to pay off debts, mortgages, and educational payments.

  • Life Insurance

2841 King Cole Ct, Seattle, WA 98118
WebsiteLicense: 56265

Expertise.com Rating

Review Sources

Facebook
5.0 (24)
Yelp
4.6 (12)

Why choose this provider?

DeFranco Insurance is an independent agency that offers an array of products and services in the Seattle metro. It accommodates individuals and families who want to purchase life insurance, which includes universal, whole, variable, and term coverages. The company's personalized life insurance policies cover policyholders' funeral costs and other financial responsibilities. It also provides earthquake, personal umbrella, automobile, BOP, and professional liability insurance. DeFranco Insurance has been delivering risk management solutions for over 65 years.

  • Life Insurance
  • Health Insurance
  • Individual Plans

1420 5th Ave Ste 2200, Seattle, WA 98101

Expertise.com Rating

Review Sources

Facebook
5.0 (1)

Why choose this provider?

ISU Global Insurance is a health insurance company in Seattle that sells health and life insurance products. Health insurance can be purchased for individuals or the entire family from this provider, which delivers hands-on assistance with the entire purchase process. Life insurance products are available for clients who need to cover for final expenses, and ISU Global Insurance sells specialized policies that provision for cases of critical illness. This company sells many types of property and commercial insurance as well.

701 5th Ave, Seattle, WA 98104

Expertise.com Rating

Review Sources

Facebook
4.6 (7)
Yelp
5.0 (3)

Why choose this provider?

SafeInsure is a life insurance company in Seattle that serves clients from all over the metro area. This woman-owned, independent insurance agency sells term and whole life insurance policies, as well as universal policies, to help clients cover liabilities associated with their dependents and final expenses. It also sells personal umbrella policies that can be made to include life insurance products. SafeInsure offers several types of property and vehicle insurance products too.

19630 76th Ave W, Lynnwood, WA 98036

Expertise.com Rating

Review Sources

Yelp
4.0 (4)

Why choose this provider?

Sea Mountain Insurance is active throughout the Seattle metro area and offers life and health insurance services to individuals. It explains policy options that may be confusing or obscure while analyzing each client's information to determine which policies would work best in their life. It's also experienced with specialty health policies that serve niche coverage areas. Sea Mountain Insurance's life insurance policies can be customized to address a multitude of financial vulnerabilities, and disability coverage is available too.

3925 196th St SW Ste 102, Lynnwood, WA 98036

Expertise.com Rating

Review Sources

Google
4.2 (51)
Facebook
4.5 (22)
Yelp
3.0 (4)

Why choose this provider?

American Insure-All sells life insurance policies to individuals and works to find policies that are right for each client's situation. Inquiring clients receive quotes from several different carriers that offer certain benefits, and this agency's dedicated agents work to explain these options and advise clients on optimal choices. Usually clients purchase coverage for end-of-life expenses and financial needs concerning their dependents. American Insure-All is a multifaceted insurance company that also offers insurance coverage for automobiles, recreational vehicles, properties, commercial endeavors, and investments.

5191 S Spencer St, Seattle, WA 98118
WebsiteLicense: 728617

Expertise.com Rating

Review Sources

Yelp
5.0 (33)
Google
4.4 (7)

Why choose this provider?

Norwest Insurance Agency serves clients in Seattle and nearby areas. It assists individuals and families in assessing their regular and time-sensitive needs and provides suitable term, whole, and universal life insurance policies from a broad range of national insurance companies. The independent business also offers services to homeowners looking for property and medical coverages. In addition, insurance products for automobiles and boats are available. One of its owners, David Benezra, is a Certified Risk Manager and Certified Insurance Counselor.

  • Life Insurance
  • Health Insurance

431 15th Ave E, Seattle, WA 98112
WebsiteLicense: 165764

Expertise.com Rating

Review Sources

Google
4.8 (24)
Yelp
5.0 (20)
Facebook
4.8 (10)

Why choose this provider?

Founded in 1961, Spangler Insurance is an independent agency serving the Seattle metro. It helps individuals and families acquire life insurance plans that include universal, whole, and term coverages. The company aims to protect policyholders from financial losses caused by estate taxes, funeral costs, and other monetary responsibilities. Its agents also offer other personal and business plans, such as health, homeowners', and contractors' insurance. Spangler Insurance is a member of the SIAA. Its owner, Tom Spangler, has been in the insurance industry for 30 years.

  • Life Insurance

3408 NE 65th Street, Suite A, Seattle, WA 98115
WebsiteLicense: 136787

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Google
5.0 (2)

Why choose this provider?

For over 35 years, Washington Brokerage has been assisting the Seattle community with finding suitable insurance products. Its specialists scrutinize, assess, and recommend life insurance policies, disability coverage, annuities, and long-term care products to match their clients' needs, specifications, and lifestyles. They are knowledgeable in distinguishing the facets of similar products from separate insurance carriers, including AIG, Principal, and Pacific Life. This family-owned business is dedicated to rendering its services based on its standard of professionalism, while providing personalized and comprehensive underwriting services and support.

  • Life Insurance

804 Water Street, Port Townsend, WA 98368
WebsiteLicense: 723644

Expertise.com Rating

Review Sources

Facebook
4.0 (8)
Yelp
3.0 (3)

Why choose this provider?

Homer Smith Insurance is a full-service insurance solutions provider that caters to the needs of the Seattle community and the surrounding neighborhoods. The company assists clients in ensuring that their loved ones remain financially afloat after their demise with a life insurance policy. Its independent insurance agents represent multiple carriers that provide term life, whole life, and universal life coverages. The team also offers other personal and business insurance policies. Homer Smith Insurance was founded in 1950 by Homer Smith Jr. and is now managed by his son, Homer III.

  • Life Insurance

17544 Midvale Ave N Ste 306, Shoreline, WA 98133

Expertise.com Rating

Review Sources

Facebook
5.0 (1)
Yelp
5.0 (1)

Why choose this provider?

A&R Insurance is a locally owned and operated insurance agency that performs life insurance services. It offers a multitude of policy types for life insurance and handles both term and permanent life insurance policies. Clients who are unsure about the circumstances of each policy type are provided informative assistance as they shop quotes from associated carriers. A&R Insurance is also experienced with other types of insurance including auto, home, and business insurance, as well as cyber insurance.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Golden Insurance
24001 56th Ave W Ste D403, Mountlake Terrace, WA 98043
CEG Life Insurance Services
611 4th Avenue, Suite A, Kirkland, WA 98033
City Insurance Center
4610 200th Street Southwest, Lynnwood, WA 98036
Duy Bui
5254 University Way Northeast, Seattle, WA 98105
FirstMark Insurance Group
210 5th Ave S Ste 203, Edmonds, WA 98020
The Medicare Exchange
19031 33rd Ave W Ste 314, Lynnwood, WA 98036
Omega Financial Investments & Insurance
10827 Northeast 68th Street, Kirkland, WA 98033
DeFranco Insurance
2841 King Cole Ct, Seattle, WA 98118
ISU Global Insurance
1420 5th Ave Ste 2200, Seattle, WA 98101
SafeInsure
701 5th Ave, Seattle, WA 98104
Sea Mountain Insurance
19630 76th Ave W, Lynnwood, WA 98036
American Insure-All
3925 196th St SW Ste 102, Lynnwood, WA 98036
Norwest Insurance Agency
5191 S Spencer St, Seattle, WA 98118
Spangler Insurance
431 15th Ave E, Seattle, WA 98112
Washington Brokerage
3408 NE 65th Street, Suite A, Seattle, WA 98115
Homer Smith Insurance
804 Water Street, Port Townsend, WA 98368
A&R Insurance
17544 Midvale Ave N Ste 306, Shoreline, WA 98133

FAQs

  • What term length of life insurance should you get in Seattle?

    Life insurance term length refers to the duration of the policy's lock-in rate and varies per person's unique needs and goals. In Seattle, different life insurance term lengths are available, ranging from 10 to 40 years. A shorter life insurance term of 10 to 15 years may work better if you are on a tight budget. If your goal is to cover your children's needs, a 20-year life insurance term is recommended. For long-term financial planning, a better option is a 30-year life insurance term.

  • What is the difference between permanent and term life insurance policies in Seattle?

    In Seattle, a term life insurance policy covers the policy owner for a distinct period; that's why it's called "term." It usually lasts 10 to 30 years but can also be renewed. Meanwhile, a permanent insurance policy offers lifelong financial coverage and a tax-free cash payout. It may come with a cash value component that grows over time, which you can borrow in case you need collateral for a loan or surrender for extra income.

  • Will your Seattle employer's life insurance benefit still cover you if you are unable to work due to an illness or disability?

    In Seattle, most group life insurance plans allow coverage to continue while an employee is sick or disabled without any requirement to pay premiums. You should check with your human resources personnel to see if you can receive a life insurance waiver of your premium. Eligibility for the waiver of premium benefits may end at the age of 60 or 65, depending on the insurance provider's terms. Other types of life insurance allow a waiver of premium benefits as long as the disabled employee cannot perform the duties of their regular occupation.

  • Will a life insurance policy in Seattle be void if the policy owner commits suicide?

    Most life insurance policies in Seattle have exclusions for suicide. No insurance company will approve your life insurance application if you have plans to end your life. However, unless the insurance company doesn't have clear evidence that the policy owner committed suicide, the benefits should be payable. Some insurance companies still cover suicide after the life insurance has been paid for two years or more. Policies still vary per provider and under unique circumstances per state.

  • Can you reinstate a lapsed life insurance policy in Seattle?

    Yes, it is possible to have a lapsed life insurance policy in Seattle reinstated, depending on the company's policies. You can call your insurance provider to complete a reinstatement application and make up for missed payments if you reinstate your policy within 30 days after the grace period. If you reinstate life insurance after 30 days to six months, you may need to answer health questions and sign an agreement stating that your health has not changed since the initial policy was issued.

  • 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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