Washington Life Insurance [2023]

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How much 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.

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

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.

Who can I contact to learn more about Washington life insurance?

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

As you can see, you have a lot of options. Make sure to compare life insurance quotes from multiple companies.

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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