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Washington Life Insurance

Welcome to our Washington life insurance information page. InsureMe is an insurance shopping service founded to help you find the life insurance quotes you need—almost effortlessly! We provide you with real-time connection to some of the top agents in the state who can give you the most affordable quotes out there.

Give us a little information about yourself, your family and your needs, and we’ll get you up to five competitive Washington life insurance quotes right away.

Prepare for tomorrow with the Washington life insurance policy you need today…. Your loved ones are depending on you!


Important Washington Life Insurance Information

Important Washington Life Insurance Information

Your life insurance purchase is perhaps one of the most important steps you will take toward ensuring your family’s future in your absence. Your Washington life insurance policy helps protect your family in the event of your death by providing them with income and education, and enabling your spouse to pay off your home mortgage, funeral expenses and other debts.

A life insurance policy is a legal, binding contract between you and your insurance company, spelling out the rights and obligations each of you has, your policy premium and payment schedule, your benefits you are entitled to under the policy and the circumstances under which those benefits are paid. So make sure you understand everything your policy does and does not cover before signing on that dotted line!

The Washington life insurance policy offering you the lowest premium with the most benefits is your best value. The type of policy you choose will depend on your age and the age of your family, your health and the level of financial hardship your family might face if you were to die.

Your new Washington life insurance policy will contain a 10-day “Free Look” period, by state mandate. This means you have 10 days to examine it and, if not completely satisfied, you may return it to the agent or company you purchased it from for cancellation and a full refund.

Your Options

Washington life insurance can be purchased on an “individual” or a “group” basis. Most group plans are provided by employers, and are usually term life insurance that is renewed yearly. Washingtonians who are unemployed, self-employed or not able to purchase life insurance through their employer should consider an individual life insurance plan.

Life insurance in Washington is obtainable in two types:

  • Term life—usually purchased for a specific time period (usually one, five, 10 or 20 years). Benefits paid only if you die while the policy is in effect. Cheaper than whole life and more practical if you need a large amount of coverage for a particular period of time. Rates increase as you get older. Coverage ends when you stop paying premiums or at the end of the term specified. May also be “convertible” to a whole life policy.
  • Whole life (sometimes called permanent life, ordinary life or straight life)—provides lifetime coverage and accumulates cash value over time, which you may borrow against. May also pay you dividends. Premium rates remain stable as long as the policy is in effect. Rates depend on your age at time of purchase, and do not increase as you age.

Washington life insurance agents can explain these characteristics further and help you determine which type of life insurance fits your needs.

Valuable Tips

Consider the following tips from the Office of the Insurance Commissioner when shopping for your Washington life insurance:

  1. Know what you need before you start shopping. The best price may not necessarily mean the best coverage.
  2. Know the insurance companies you are considering buying from. Check their financial stability and customer satisfaction ratings through independent rating firms such as A.M. Best, Standard & Poor’s or Weiss Ratings Inc.
  3. Comparison shop, seeking quotes from several different companies. The life insurance market is competitive, and much of that competition focuses on price.
  4. Update your coverage as your life circumstances change.
  5. Never buy a policy you don’t understand.
  6. Don’t listen to life insurance agents or companies that try to fast-talk you into making coverage changes. Only you know what is best for you!

How Much to Buy?

The first step in deciding how much Washington life insurance to buy is determining your need and how much you can afford to spend. Most consumer advocates recommend you purchase about four or five times your annual income. But this figure must be highly personalized depending on individual life circumstances.

Marital status, family size, income and the number of dependents you have all come into play when examining how much Washington life insurance your family would need to maintain their current standard of living. The goal is to have enough coverage to take care of your family if you die, but not so much that you have more than you need—or your premiums become unaffordable.

Cost Determination

Your life insurance premium is based on many factors, including your life expectancy, any pertinent health problems, your occupation, hobbies, habits or other circumstances which may affect your life span, and any coverage expense to your insurance company, such as overhead expenses and necessary agent commissions.

Need More Info?

Contact the Office of the Insurance Commissioner toll free at 800-562-6900, or online at www.insurance.wa.gov.

Ready to start saving?

Just fill out our quote box at the top of this page, let our contracted agents contact you with their best quotes, and find out why InsureMe is your one-stop-shop for Washington life insurance quotes.

What have you got to lose? Let us help you get in on the savings today…with the assurance you need tomorrow. Contact us now!


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