Washington Life Insurance | WA Life Insurance Quotes

Washington life insurance offers residents a timely payment on claims, usually within 30 days, and some life insurance companies give a free look period. Read more below to learn about life insurance policies and insurance companies in Washington state. Then, use our free tool to get affordable Washington life insurance quotes and protect your loved ones.

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Tim is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance. He writes and creates stuff for QuickQuote and other insurance and financial websites.

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UPDATED: Nov 24, 2020

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It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance company and cannot guarantee quotes from any single company.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Quick Facts

  • Washington life insurance is very similar to that of other states, with a few exceptions.
  • Washington life insurance companies are required to offer a 10-day free look period.
  • You can contact the Washington Guaranty Association or Washington State Office of the Insurance Commissioner if you have questions.

We offer Washington residents life insurance from several of the best WA life insurance companies. Life insurance is very similar from state-to-state, with a few exceptions, so your WA life insurance quotes may be steady.

However, this guide should help you understand the differences in Washington life insurance as well as find resources in your state. We’ll also show you how to get the best life insurance in Washington.

Before we dive into this guide, find affordable Washington life insurance rates by clicking on our FREE quote tool above. Get started now.

Table of Contents

Where can I get Washington life insurance quotes?

We offer Washington residents life insurance from several A-rated life insurance companies. Life insurance is very similar from state to state, with a few exceptions. This guide should help you understand the differences as well as find resources in your state.

Policy Cost – The premium (cost) you pay for your life insurance policy does not vary by state. It is the same regardless of which state you live in. Premiums are set by life insurance companies then approved by the State Insurance Department.

However, a ZIP code must be provided when getting quotes and policies, because life insurance forms vary by state.

Company Availability – Not all companies are available in every state. For example, if a life insurance company has not filed its product or rates with your State Insurance Department, that company won’t be available in your state. Company availability changes often due to new filings.

Product Availability – There are instances where life insurance companies offer only specific products or riders in a state. For example, a company may offer a child insurance rider on their policy, but the feature may not be available in all states.

These exclusions can be viewed by clicking on the life insurance companies in the list below.

Life insurance companies in Washington are required to give a free look period. This means you have 10 days to review the policy and decide if it’s right for you.

If you give the policy back, the company must issue a refund within 30 days of the original policy purchase, or they owe you an extra 10 percent.

If, for some reason, you miss a payment on your premiums, the company must offer you 30 days to make the payment before cancelling the policy. Washington life insurance companies also offer residents a timely payment on claims, usually within 30 days.

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What are life insurance rates in Washington?

You may be wondering what to expect with Washington life insurance rates. In the chart below, you’ll find what the best life insurance companies charge based on age, marital status, and gender for non-smokers. However, it’s possible that your rates will be different, especially if you smoke.

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You can also see how many life insurance companies there are in Washington versus the other western states.

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According to the chart, there are six Washington life insurance companies that specifically do business within the state. So, chances are, those six companies will offer the best life insurance in Washington. That also means more Washington life insurance policy options for you. 

When searching for life insurance (and even after you purchase a life insurance policy), you should schedule regular reviews of your rates. In between reviews, you should check your rates if:

  • Your marital status changes
  • Your family grows
  • You or your spouse change employment (including starting or growing a business)
  • You or your spouse acquire a disability
  • You become the primary caretaker for a disabled or elderly family member
  • Your household income changes
  • A member of the family leaves for college

Check out our free quote tool on this page to find out exactly what your WA life insurance quotes will be.

What is the Washington Guaranty Association?

What happens if my life insurance company goes bankrupt?

State guaranty associations are committed to protecting resident policyholders and beneficiaries in the event of an insurance company insolvency. The association is made up of all Washington state life insurance companies that sell life insurance, health insurance, and annuities in the state.

If an insurance company becomes insolvent (goes out of business), the association steps in to protect policyholders by continuing coverage and paying claims, up to defined limits.

In Washington, a life insurance policy is protected up to $500,000. This amount is the maximum benefit provided for any one life. In other words, multiple policies on any one person are limited to this amount.

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Who are Washington life insurance contacts?

Here is a list of all the necessary state contacts for residents with Washington life insurance claims and other related matters.

Guaranty Association

If you need information about Washington life insurance or Washington disability insurance, contact the Washington Life & Disability Insurance Guaranty Association at 1-360-426-6744 or visit the website.

Insurance Department

If you need to contact the Washington Department of Insurance or life insurance commissioner for questions about your Washington state life insurance beneficiary or to file a Washington State Department of Insurance complaint, you can reach the Washington State Office of the Insurance Commissioner at 1-800-562-6900 or visit the website.

Also known as the Washington Insurance Bureau and the Washington OIC Insurance, here you can also obtain information regarding your Washington state employee life insurance.

Legal Info

QuickQuote is licensed to sell life insurance in Washington under Agency License Number 143566.

The licensed company principal is Tim Bain, Agent License Number 177518.

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What life insurance companies are in Washington?

Below is a list of life insurance companies in Washington state:

  • American General Life Insurance Company
  • Banner Life Insurance Company
  • Fidelity Life Association
  • Haven Life / MassMutual
  • John Hancock Life Insurance Company
  • Lincoln National Life Insurance Company
  • Metlife Life Insurance Company
  • North American Company for Life & Health Insurance
  • Pacific Life & Annuity Company
  • Principal Life Insurance Company
  • Protective Life Insurance Company
  • Pruco Life Insurance Company (Prudential)
  • Sagicor Life Insurance Company
  • The Savings Bank Life Insurance Company of Massachusetts (SBLI)
  • Transamerica Life Insurance Company
  • United of Omaha Life Insurance Company

Frequently Asked Questions: Washington Life Insurance Quotes

We know that you have a lot of questions before you buy Washington life insurance. Below are some answers to common questions.

#1 – What is life insurance?

Simply put, life insurance is just a contract that states the insurance company will pay out a certain amount upon your death to help cover final expenses.

#2 – How can I find an old insurance policy?

While there isn’t one place to go to find out if someone had a life insurance policy, you can start by gathering their name, the policy itself (if available), and their death certificate.

You can then search through their mail and financial records, check with their auto or home insurance company, their last place of employment, income tax records, and their bank to see if you can find any record of the policy.

If you can’t find the policy, you can use the free NAIC policy locator tool, contact the Washington State Dept. of Revenue (or the department for the state the person lived in) to check unclaimed property, or hire a search company to check databases.

#3 – How do I file a life insurance claim?

Let’s take a look at how to file a life insurance claim. If you are a beneficiary, you should contact the insurance company to obtain the claims forms (each beneficiary must fill out a form). You should submit these forms with a copy of the death certificate, along with the original policy. However, keep copies for yourself as well.

If the policy is less than two years old, the insurance company may want to investigate the death further to see if the policyholder left anything out when purchasing the policy.

The insurance company must pay at least 8 percent interest from the date of death and an additional 3 percent if the company does not settle the claim within 90 days from when you submit proof of death.

Don’t wait to compare multiple Washington life insurance company quotes. Use our free quote tool to get affordable life insurance rates in Washington. Get started now.

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