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Best Life Insurance Companies in Seattle

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A&R Insurance logo
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A&R Insurance

17544 Midvale Ave N Ste 306, Shoreline, WA 98133
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Business Description

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.

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
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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American Insure-All logo
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American Insure-All

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

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.

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.
4.4
Facebook
4.2 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CEG Life Insurance Services logo
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License Verified:

License: 1024987

Washington State office of the Insurance Commissioner

CEG Life Insurance Services

611 4th Avenue, Suite A, Kirkland, WA 98033
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  • Life Insurance

Business Description

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.

License Verified:

License: 1024987

Washington State office of the Insurance Commissioner

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 (59)
Facebook
5.0 / 5 (11)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
City Insurance Center logo
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License Verified:

License: 809457

Washington State office of the Insurance Commissioner

City Insurance Center

4610 200th Street Southwest, Lynnwood, WA 98036
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  • Life Insurance

Business Description

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.

License Verified:

License: 809457

Washington State office of the Insurance Commissioner

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.
4.3
Yelp
4.0 / 5 (14)
Facebook
5.0 / 5 (6)
Google
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
DeFranco Insurance logo
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License Verified:

License: 56265

Washington State office of the Insurance Commissioner

DeFranco Insurance

2841 King Cole Ct, Seattle, WA 98118
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  • Life Insurance
  • Health Insurance
  • Individual Plans

Business Description

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.

License Verified:

License: 56265

Washington State office of the Insurance Commissioner

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 (29)
Facebook
5.0 / 5 (21)
Yelp
4.5 / 5 (11)

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
Duy Bui logo
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License Verified:

License: 940751

Washington State office of the Insurance Commissioner

Duy Bui

5254 University Way Northeast, Seattle, WA 98105
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  • Multiple Policy Types

Business Description

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.

License Verified:

License: 940751

Washington State office of the Insurance Commissioner

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 (121)
Yelp
5.0 / 5 (7)
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
eFinancial logo
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License Verified:

License: 192916

Washington State office of the Insurance Commissioner

eFinancial

1203 114th Avenue Southeast, Bellevue, WA 98004
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  • Life Insurance

Business Description

eFinancial, an online and call center-based insurance agency, has been serving individuals and families in the community of Seattle and its surrounding areas since 2001. The company specializes in life insurance policies. It uses a patented sales technology platform that allows clients to get their personal coverage from the convenience of their home and even on the go. Its team of agents provides advice and personalized support. In addition, eFinancial works with several carriers that include Prudential Financial Insurance Company and Transamerica Corporation.

License Verified:

License: 192916

Washington State office of the Insurance Commissioner

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.
4.6
Facebook
4.6 / 5 (361)
Google
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
FirstMark Insurance Group logo
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FirstMark Insurance Group

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

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.

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
4.8 / 5 (216)
Facebook
5.0 / 5 (116)

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
Golden Insurance logo
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Golden Insurance

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

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.

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
Facebook
5.0 / 5 (2)

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
Homer Smith Insurance logo
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License Verified:

License: 723644

Washington State office of the Insurance Commissioner

Homer Smith Insurance

804 Water Street, Port Townsend, WA 98368
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  • Life Insurance

Business Description

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.

License Verified:

License: 723644

Washington State office of the Insurance Commissioner

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
Facebook
4.0 / 5 (8)
Yelp
3.0 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
ISU Global Insurance logo
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ISU Global Insurance

1420 5th Ave Ste 2200, Seattle, WA 98101
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Business Description

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.

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
Facebook
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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Karrie Dubose logo
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License Verified:

License: 743378

Washington State office of the Insurance Commissioner

Karrie Dubose

1530 Westlake Ave N #100, Seattle, WA 98109
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  • Life Insurance
  • Health Insurance

Business Description

Karrie Dubose is a State Farm insurance agent who serves families and individuals in the Seattle metro. She provides a range of financial investment solutions, including life insurance plans. She accommodates clients who want to acquire term, whole, and universal policies which can cover their debts and other financial responsibilities in case of an unexpected death. Dubose also helps customers obtain other personal coverages, such as health, homeowners', and car insurance. Dubose has been in the insurance industry for 14 years.

License Verified:

License: 743378

Washington State office of the Insurance Commissioner

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 (358)
Yelp
5.0 / 5 (31)

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Norwest Insurance Agency logo
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License Verified:

License: 728617

Washington State office of the Insurance Commissioner

Norwest Insurance Agency

5191 S Spencer St, Seattle, WA 98118
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  • Life Insurance
  • Health Insurance

Business Description

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.

License Verified:

License: 728617

Washington State office of the Insurance Commissioner

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
Yelp
5.0 / 5 (20)
Google
4.3 / 5 (6)

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
Omega Financial Investments & Insurance logo
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License Verified:

License: 30021

Washington State office of the Insurance Commissioner

Omega Financial Investments & Insurance

10827 Northeast 68th Street, Kirkland, WA 98033
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  • Life Insurance

Business Description

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.

License Verified:

License: 30021

Washington State office of the Insurance Commissioner

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

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
SafeInsure logo
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SafeInsure

701 5th Ave, Seattle, WA 98104
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Business Description

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.

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
Facebook
4.6 / 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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sea Mountain Insurance logo
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Sea Mountain Insurance

19630 76th Ave W, Lynnwood, WA 98036
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Business Description

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.

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

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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Spangler Insurance logo
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License Verified:

License: 165764

Washington State office of the Insurance Commissioner

Spangler Insurance

431 15th Ave E, Seattle, WA 98112
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  • Life Insurance

Business Description

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.

License Verified:

License: 165764

Washington State office of the Insurance Commissioner

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
4.7 / 5 (19)
Yelp
5.0 / 5 (18)
Facebook
4.8 / 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
The Heuman Insurance Agency logo
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The Heuman Insurance Agency

124 SW 153rd St, Burien, WA 98166
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Business Description

The Heuman Insurance Agency began as a captive agency and later became independent, now selling term and whole life insurance policies to clients. Its agents work with clients to help them navigate the insurance shopping process and select the right policies. Depending on their concerns, they may be advised to buy more or less coverage in certain categories, and The Heuman Insurance Agency assists with claims and related needs when applicable incidents occur.

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 (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.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
The Medicare Exchange logo
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The Medicare Exchange

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

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.

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.
4.6
Google
5.0 / 5 (2)
Facebook
5.0 / 5 (2)

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
Washington Brokerage logo
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License Verified:

License: 136787

Washington State office of the Insurance Commissioner

Washington Brokerage

3408 NE 65th Street, Suite A, Seattle, WA 98115
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  • Life Insurance

Business Description

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.

License Verified:

License: 136787

Washington State office of the Insurance Commissioner

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
Facebook
5.0 / 5 (3)
Google
5.0 / 5 (2)

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
Back to Providers

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.

Who should buy supplemental health insurance?

Supplemental health insurance is a product that helps cover the cost of services that your primary health insurance policy doesn't. One popular option is secondary insurance that helps cover some of the costs associated with high deductibles. Medicare supplemental insurance is also popular. Medicare doesn't cover everything, and older adults on a limited income can face large prescription or medical bills after Medicare pays. Supplemental insurance helps reduce those patient costs.

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