Expertise.com Homepage

2024

Last updated:

Best Life Insurance Companies in Tacoma, WA

Our Recommended Top 18

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

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

8750Reviewed

5257Curated

18Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

7610 Pioneer Way Ste 101, Gig Harbor, WA 98335

Expertise.com Rating

Review Sources

Facebook
5.0 (5)

Why choose this provider?

Michael Clifford Insurance Agency provides life, auto, home, boat, motorcycle, and personal lines P&C insurance policies to individuals in the Tacoma area. The company offers two levels of term life insurance as well as whole or permanent life insurance policies for clients seeking more flexible options. Its agents prioritize protecting clients' assets and minimizing financial disruption to their dependents in the event of their passing. Michael Clifford Insurance Agency also assists clients with accessing the cash value of certain life insurance policies.

8720 S Tacoma Way, Lakewood, WA 98499
WebsiteLicense: 838356

Expertise.com Rating

Why choose this provider?

Ace Insurance Agency offers products and services to individuals and families in the Tacoma metro. It provides a range of personal lines of insurance, including life policies. The independent company aims to protect policyholders from financial losses caused by estate taxes, funeral expenses, mortgages, and other debts. Its specialists also help clients acquire auto, Medicare, disability, IRA, and old-age insurance. They work with multiple carriers like Humana and Mercury Insurance. Ace Insurance Agency has been in business since 2013.

  • Life Insurance
  • Individual Plans
  • Long Term Care

4961 Main St., Tacoma, WA 98407
WebsiteLicense: 1001446

Expertise.com Rating

Review Sources

Google
5.0 (251)
Facebook
5.0 (31)
Yelp
4.0 (4)

Why choose this provider?

Pfarr Insurance Agency provides risk management solutions to individuals and families in the Tacoma metro. Its range of insurance products includes life policies, which can cover clients' debts and other financial responsibilities in case of unexpected death. The full-service company also offers other personal plans, including auto, homeowners', renters', and umbrella insurance. Its agents create personalized coverages suited to customers' budget and needs. Pfarr Insurance Agency received the National Honor Ring Award in 2020.

  • Life Insurance
  • Health Insurance
  • Personal Insurance

3309 56th St Ste 101, Gig Harbor, WA 98335

Expertise.com Rating

Review Sources

Yelp
4.5 (7)

Why choose this provider?

Sound Business Insurance is a company providing health, life, home, and auto insurance to clients in the Tacoma and for the whole state of Washington. The company is a multi-line, independent agency offering plans from a variety of top carriers. For health insurance, it secures coverage for individuals with pre-existing conditions and individuals requiring frequent preventative or emergency care. The company also services term and whole life insurance policies.

6004 Westgate Blvd Ste 120, Tacoma, WA 98406

Expertise.com Rating

Review Sources

Google
4.3 (3)
Facebook
5.0 (2)

Why choose this provider?

The Medicare Exchange is a life insurance agency in Tacoma specializing in serving clients age 55 or older. The firm offers term, whole, and universal life insurance policies with flexible coverage and benefit options. It also provides variable universal life insurance for clients looking to increase the cash value of their life insurance policy via investing. The Medicare Exchange also services Medicare parts A through D and Medicare supplement plans.

336 4th St NE, Auburn, WA 98002

Expertise.com Rating

Review Sources

Facebook
5.0 (4)
Yelp
5.0 (4)

Why choose this provider?

Alpine Ridge Insurance Agency is an independent insurance company that's provided personalized service since 2015. Its life insurance options include term and permanent plans, and the company is able to offer a variety of choices within each policy type through its partnerships with a network of reputable carriers. Its agents are knowledgeable and available to answer questions regarding the differences and benefits of each type of life insurance as well as offer a comparative analysis of the different companies' policies.

2601 Jahn Ave NW Ste A1, Gig Harbor, WA 98335

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Yelp
5.0 (1)

Why choose this provider?

Founded in 2004, Carlson & Associates is a health insurance company near Tacoma serving commercial clients. The firm assists employers with procuring group health insurance plans for their employees by comparing coverage and premiums from different carriers. Its associates facilitate employee meetings about their health insurance options and conduct annual reviews of benefits. Carlson & Associates also sets up health savings and health reimbursement accounts for employees on behalf of employers.

12001 Pacific Avenue, Tacoma, WA 98444
WebsiteLicense: 159248

Expertise.com Rating

Review Sources

Google
4.8 (55)
Yelp
5.0 (4)

Why choose this provider?

Tony Brooks is an insurance professional who has been working at State Farm since 2000. He caters to clients in Tacoma and the surrounding areas. He helps customers protect their loved ones' futures by offering term, whole, and universal life insurance plans. These products cover college expenses, debts, and mortgage payments. He also provides auto, business, home, pet, and renters' insurance policies. Brooks holds the Chartered Property Casualty Underwriter designation. He has received various State Farm awards, including Ambassador Travel Qualifier and Chairman's Circle Qualifier.

  • Life Insurance
  • Health Insurance

2102 N Pearl St Ste 102, Tacoma, WA 98406

Expertise.com Rating

Review Sources

Google
5.0 (12)
Facebook
5.0 (6)
Yelp
4.0 (3)

Why choose this provider?

Founded in 1896, Pilkey Hopping & Ekberg Insurance is an independent insurance broker in Tacoma providing policies and coverage to local clients. The firm offers home, auto and a full line of personal insurance products; business insurance solutions for small and medium companies; and health insurance policies on the individual marketplace to clients not covered by an employer-sponsored plan as well as small group plans for self-employed clients. For clients age 65 and older, the company assists with obtaining Medicare plans and supplemental products. Pilkey Hopping & Ekberg Insurance also offers life and disability insurance.

3025 South Union Ave, Tacoma, WA 98409
WebsiteLicense: 813956

Expertise.com Rating

Review Sources

Google
5.0 (368)
Facebook
4.9 (44)
Yelp
5.0 (4)

Why choose this provider?

Amber Trott is a State Farm insurance agent that caters to individuals, families, and businesses in the Tacoma metro and the surrounding communities. She offers term, whole, and universal life insurance policies. These products can cover college costs, debt settlements, and mortgage payments. She also provides commercial auto, liability umbrella, rental property, short- and long-term disability, and workers' compensation insurance plans. Trott and her team bring more than 25 years of combined experience in the insurance industry.

  • Life Insurance
  • Health Insurance

1901 S 72nd St Ste A-9, Tacoma, WA 98408

Expertise.com Rating

Review Sources

Google
4.7 (34)
Facebook
5.0 (15)
Yelp
3.0 (2)

Why choose this provider?

Sav-On Insurance is a life insurance company in Tacoma serving individual clients. Working with a variety of carriers, this independent firm is able to source and provide clients with policies at competitive rates. Its insurance specialists consult with clients to understand their financial needs and expectations and match them with the term or whole life insurance policy that is best for them. Sav-On Insurance also offers home, automotive, and commercial insurance policies.

7017 27th St W Ste 1, University Place, WA 98466

Expertise.com Rating

Why choose this provider?

Chambers Bay Insurance provides custom life insurance solutions for clients in the Tacoma area. The firm operates as an independent agency, which allows clients to receive quotes from a variety of carriers, including Foremost, Liberty Mutual, and Stillwater. Its licensed agents assist clients with obtaining term or whole life insurance policies, based on their financial goals and coverage needs. Chambers Bay Insurance also helps clients liquidate their life insurance policies to access their cash value.

35827 8th Ave SW, Federal Way, WA
WebsiteLicense: 914220

Expertise.com Rating

Review Sources

Google
4.5 (2)

Why choose this provider?

Phillip Richter is an insurance agent that serves clients based in Tacoma. He offers traditional, mortgage protection, and final expense life insurance, as well as retirement protection through fixed index annuities, and retirement planning through universal life policies. Through Family First Life, he also works with insurance carriers like Royal Neighbors of America, John Hancock, Athene Annuity, Foresters Financial, Global Atlantic Financial Group, and Mutual of Omaha. He has been an insurance producer since 2016.

  • Life Insurance

17425 Vashon Hwy SW, Vashon, WA 98070

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Trigg Insurance Agency has delivered comprehensive insurance services for more than 30 years. As an independent agency, the company partners with multiple carriers to provide its clients with competitive coverage options and rates. Its life insurance coverage includes term, whole, and universal plans as well as mortgage protection and critical illness supplements. Trigg Insurance Agency also offers extensive individual and family health insurance plans that include fee-for-service and managed care policies.

14595 Bel-Red Road, Bellevue, WA 98007
WebsiteLicense: 171906

Expertise.com Rating

Review Sources

Google
5.0 (102)
Facebook
4.9 (26)

Why choose this provider?

Pacific Insurance Group is a family-owned insurance company serving Tacoma and its surrounding areas since 2001. With a combined industry experience of 50 years, it provides a wide variety of life insurance services that include term and permanent life insurance, key person insurance, pension maximization, disability insurance, and estate planning. Aside from life insurance, the agency also specializes in retirement planning, annuity claims, and tax diversification. Pacific Insurance Group founder and principal J. Carter Gray is a Chartered Life Underwriter.

  • Individual Plans
  • Life Insurance

415 Berkeley Avenue, Fircrest, WA 98466
WebsiteLicense: 981740

Expertise.com Rating

Review Sources

Google
4.0 (6)
Facebook
5.0 (1)

Why choose this provider?

Soloman Insurance is a local community agency providing insurance coverage to individuals, families, and businesses in Tacoma and the surrounding areas areas. The company's agents gather information from clients and assist them in sourcing appropriate life insurance plans that fit their goals and needs. Coverage for homes, businesses, fire, flood, and recreational vehicles is also available. Partner Aracelli Torres, who's in charge of operations, caters to her clients' needs with compassion.

  • Life Insurance

711 Court A Ste 103, Tacoma, WA 98402
WebsiteLicense: 188738

Expertise.com Rating

Review Sources

Google
5.0 (23)
Facebook
5.0 (15)

Why choose this provider?

Klinefelter Insurance Group is a woman-owned independent insurance agency that has been serving individuals, families, and business owners from Tacoma and the surrounding areas since 2012. It provides life insurance that can be an important tool in situations, such as charitable contributions, final expenses, and income replacement. Other types of insurance plans that the company offers include homeowners', renters', and auto insurance. Founder and owner Jill Klinefelter has been working in the insurance industry for more than 17 years.

  • Life Insurance

220 M St NE, Auburn, WA 98002

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Elena Houle has been an independent broker for Medicare Solutions for more than 5 years and brings a total of 14 years as a broker to the table. As a representative for a group of reputable carriers, Ms. Houle is able to extend that flexibility to her clients, offering coverage options that best meet their needs. She also helps them navigate the complexities of the Medicare system and offers insight into which aspects accommodate specific circumstances.

Compare our Top Life Insurance Companies

NameExpertise RatingAddressPromotionsLearn more
Michael J Clifford Insurance Services
7610 Pioneer Way Ste 101, Gig Harbor, WA 98335
Ace Insurance Agency
8720 S Tacoma Way, Lakewood, WA 98499
Pfarr Insurance Agency
4961 Main St., Tacoma, WA 98407
Sound Business Insurance
3309 56th St Ste 101, Gig Harbor, WA 98335
The Medicare Exchange
6004 Westgate Blvd Ste 120, Tacoma, WA 98406
Alpine Ridge Insurance Agency
336 4th St NE, Auburn, WA 98002
Carlson & Associates
2601 Jahn Ave NW Ste A1, Gig Harbor, WA 98335
Tony Brooks
12001 Pacific Avenue, Tacoma, WA 98444
Pilkey Hopping & Ekberg Insurance
2102 N Pearl St Ste 102, Tacoma, WA 98406
Amber Trott
3025 South Union Ave, Tacoma, WA 98409
Sav-On Insurance
1901 S 72nd St Ste A-9, Tacoma, WA 98408
Chambers Bay Insurance
7017 27th St W Ste 1, University Place, WA 98466
Phillip Richter
35827 8th Ave SW, Federal Way, WA
Trigg Insurance Agency
17425 Vashon Hwy SW, Vashon, WA 98070
Pacific Insurance Group
14595 Bel-Red Road, Bellevue, WA 98007
Soloman Insurance
415 Berkeley Avenue, Fircrest, WA 98466
Klinefelter Insurance Group
711 Court A Ste 103, Tacoma, WA 98402
Elena Houle - Medicare Solutions
220 M St NE, Auburn, WA 98002

FAQs

  • Can someone with a terminal illness still get life insurance in Tacoma?

    Final expense life insurance in Tacoma covers the costs that a policyholder may incur in their final days, such as medical bills, funeral expenses, and burial costs. Unlike other standard policies, the application process for this coverage typically involves little to no underwriting, allowing terminally ill individuals who would otherwise be denied insurance to purchase a policy that will cover their final expenses.

  • How early in life should you obtain life insurance in Tacoma?

    There is no set age for purchasing life insurance in Tacoma, but buying it at a younger age can provide long-term benefits. Marriage, starting a family, buying a house, saving for college, financing a loved one's care, and starting a business are all significant life events that necessitate the purchase of life insurance. Life insurance can provide financial stability for your family in the unfortunate event of an untimely death.

  • Can a Tacoma life insurance be passed down as an inheritance?

    A life insurance policy is a viable option for some people in Tacoma who want to leave an inheritance to their loved ones. By naming a beneficiary, the policyholder can ensure that the proceeds of their insurance are directed to a specific person or entity in the event of the insured's death. This ensures that insurance proceeds are directed to the intended recipient, allowing for a direct transfer of assets. Beneficiaries can also receive benefits without paying income tax on the funds.

  • How does one go about filling out an online application for a life insurance policy in Tacoma?

    The process of applying for life insurance in Tacoma through online platforms begins with filling out a digital application form, which requires basic personal information such as name, birth date, address, contact information, and social security number. An insurance professional will then contact the applicant to discuss further details about their health, career, and family. Based on the information gathered, the underwriter will determine whether a paramedical examination is required before extending an offer.

  • Do beneficiaries have to pay taxes in Tacoma to receive life insurance benefits?

    Beneficiaries in Tacoma are exempt from paying taxes on life insurance payouts. Furthermore, the recipients are not required to report the life insurance proceeds as taxable income on their tax returns. There are a few exceptions, such as the benefit being taxed if the funds are claimed in installments and if the policyholder fails to name a beneficiary or names their estate as the beneficiary if it exceeds the tax exemption threshold.

  • 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.

Related Articles

FeaturedKeyboard with Node Graphic

Young Americans Rushed to Buy Life Insurance During the Pandemic & Now Over 20% Regret It

An Expertise.com survey revealed how many young Americans rushed to buy life insurance during the pandemic & are now regretti...

Featured6 Best Life Insurance Companies of 2023 Hero Image

6 Best Life Insurance Companies of 2023

Our top pick for the best life insurance company of 2023 is MassMutual, which features a wide variety of policies and riders ...