Expertise.com
2024

Last updated:

Best Life Insurance Companies in Washington

Our Recommended Top 11

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 Washington 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.

345300

Reviewed

207184

Curated

11

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Washington
  • Health Insurance
  • Life Insurance

Why choose this provider?

Villa Insurance Group is a full-service independent agency that caters to residential and commercial clients in Washington and the surrounding areas. It has term and whole-life insurance products for single or married individuals. In addition, it offers insurance policies for homes, recreational vehicles, and commercial automobiles. It also handles risk management, general liability, and business umbrella policies. The company has access to a variety of products from carriers like Kemper Preferred, Liberty Mutual, Progressive, and Travelers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (401)
Facebook
4.9 / 5 (145)
Yelp
3.5 / 5 (7)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Washington
  • Health Insurance
  • Life Insurance

Why choose this provider?

PSG Washington offers life insurance packages for various purposes, including family protection, estate tax payment, charitable giving, and buy-sell business agreement funding. The PSG team also assists clients in choosing from other income protection plans, such as disability and long-term care insurance. Benefits administration and support services are provided by the firm, and they are compliant with both ACA and ERISA  standards. PSG Washington has been in the industry for more than 35 years.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Washington
  • Health Insurance
  • Life Insurance

Why choose this provider?

Sea Mountain Insurance helps Washington-based clients prepare for unforeseen financial issues caused by a loved one's passing with its life insurance products. It provides universal and variable policies with fixed and customizable coverage options for a client's continued standard of living and business operations. Its agents include Joni Simmons, who works with individuals and families to determine their eligibility for Medicare Supplement and Advantage plans. The company is partnered with different agencies like the Capital Insurance Group and Nationwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (112)
Facebook
4.6 / 5 (24)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Washington
  • Health Insurance
  • Life Insurance

Why choose this provider?

Top Insurance Associates has been serving clients in Washington and the surrounding communities since 2008. It provides permanent and term life insurance plans customized to the financial capacity of individuals. In addition to life insurance, it offers policies for motorcycles, recreational vehicles, boats, homes, and farms. The firm partners with various carriers, such as Progressive, Nationwide, Travelers, Liberty Northwest, and The Hartford. Top Insurance Associates also deals with brokerage and surplus markets in Oregon, Idaho, Colorado, California, and Arizona.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
4.9 / 5 (108)
Facebook
5.0 / 5 (94)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Washington
  • Life Insurance

Why choose this provider?

Parker Smith & Feek is an independent brokerage company that has been serving clients in Washington since 1937. It meets policyholders' needs for life insurance, succession planning, disability, and long-term care through partnerships with financial firms such as The Lyman Group and Pillar International Insurance Advisors. It also delivers risk management solutions to various industries, including construction, healthcare, manufacturing, and real estate. Parker Smith & Feek is dedicated to educating people with no prior knowledge of insurance through seminars, webinars, and training courses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Google
4.6 / 5 (11)
Yelp
2.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.3
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Washington
  • Health Insurance
  • Life Insurance

Why choose this provider?

Kelley Insurance Agency & Financial Services, Inc., is an independent, family-owned firm that has been serving communities in Washington since 1946. Its life and health insurance policies are available for individuals, families, and businesses, with varying terms of coverage to suit client-specific needs. The company carries a range of personal, business, and specialty insurance products. These include vehicles, residential and commercial properties, events, and nonprofits. Kelley Insurance Agency is allied with over 20 regional and national service providers, such as Liberty Mutual, Hagerty, Progressive, and Travelers.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (257)
Facebook
5.0 / 5 (31)
Yelp
3.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Washington
  • Life Insurance

Why choose this provider?

FirstMark Insurance Group protects Washington residents from unprecedented financial disasters. The company offers life insurance through EasyLife, a third-party insurance vendor that offers term, universal, and whole life policies. Its independent insurance brokers collect information, discuss their client's goals, and educate people on how to select the best coverage option. The company also represents over 20 carriers that provide personal and commercial insurance plans. The firm hopes to disprove the notion of an antagonistic and impersonal insurance experience by building genuine relationships with its clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (209)
Facebook
5.0 / 5 (115)
Yelp
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Washington
  • Life Insurance

Why choose this provider?

Anderson & Black Insurance, Inc, is an independent and family-owned business that offers life insurance as a part of its line of personal insurance products to individuals and families in Washington. It has term life policies for those who want specific coverage, whole life insurance for permanent coverage, and universal life plans for permanent coverage with flexible premiums. The agency's other personal products include auto, homeowners', renters', boats, motorcycles, classic cars, and flood insurance. The company was established in 1949 and also provides insurance policies to businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
5.0 / 5 (13)
Google
4.7 / 5 (12)
Yelp
4.0 / 5 (4)

Website
Washington
  • Health Insurance
  • Life Insurance

Why choose this provider?

Path Insurance Solutions carries a wide selection of life insurance products for clients in Washington. The team helps individuals and families protect their finances against uncontrollable forces like earthquakes and floods. It also provides insurance solutions for regular and collectible cars, ATVs, motorcycles, and boats. The advisers from Path Insurance Solutions can assist clients in shopping with multiple insurance companies. Tyler Kerlee, one of the owners of this agency, has been in the industry since 2004.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (74)
Facebook
5.0 / 5 (28)
Yelp
4.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Washington
  • Life Insurance

Why choose this provider?

InsurePro helps Washington residents protect themselves and their families for the years to come. The company's staff assists in securing life insurance plans that serve their long-term or short-term needs and goals. The professionals guide clients in selecting from different options, updating policies, and filing claims and declaration forms. In addition, InsurePro's underwriting professionals review clients' financial exposure with insurance coverage to eliminate gaps in protection. The agency offers long-term care insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Washington
  • Life Insurance

Why choose this provider?

Bainbridge Insurance Agency caters to the insurance needs of clients in Washington. The agency's line of products includes different types of life insurance, like term, universal, and whole life. It partners with known insurance carriers in the area, including Progressive and Liberty Mutual. It aims to protect policyholders and their families from financial losses caused by debts and funeral expenses in case of unexpected death. Bainbridge Insurance Agency has been in the industry since 1990.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.5 / 5 (2)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Frequently Asked Questions

  • 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.

  • How does life insurance work?

    The details of how life insurance works depend on your individual plan, but the basics are as follows: 

    • You pay a premium to purchase the insurance. Typically the premium is paid monthly, but it could be rolled into quarterly, bi-annual, or annual payments. 
    • As long as you are meeting or have met premium obligations, if you pass away, the insurance company makes the agreed-upon payment to the beneficiaries you designated. 
    • Beneficiaries usually have to provide the insurance company with a death certificate to receive their payments.
  • How much is life insurance?

    The cost of life insurance ranges widely. Term life insurance can cost as little as a few dollars a day, and whole life insurance can cost thousands per month on the high end. Factors that impact the cost of your life insurance include whether you're choosing term life insurance or whole life insurance, your age, how much coverage you want, your overall health, and your gender.

  • Is life insurance taxable?

    Life insurance proceeds are the funds paid via your plan to your beneficiaries if you pass away. These are also called death benefits. Typically, these are not considered income for taxes. If you take out cash value from a whole life insurance investment and the amount exceeds how much you paid in premiums, the difference may be considered taxable income.


  • Can I buy health insurance that is not Obamacare?

    When people say "Obamacare insurance," they typically mean insurance within the health insurance marketplace. You can get health insurance outside of the marketplace by going through your employer, choosing COBRA coverage if you leave your job, or buying a short-term health insurance policy through an insurance agent. ACA-compliant plans meet all the benefits and coverage requirements of the Affordable Care Act. But you may be able to find supplemental or short-term coverage that simply provides peace of mind for major medical expenses.

  • Can I buy health insurance anytime?

    To buy health insurance in the marketplace, you must purchase it within open or special enrollment periods. But you can purchase short-term coverage to bridge the gap between now and the next open enrollment period. These plans are meant to be used for less than a year. You can purchase them online or via insurance agents, but they may not be ACA-compliant.

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