Quote every type of life insurance in seconds
Most insurance websites give you a form and a promise that somebody will call you. This one gives you the rates.
The tool below is the same quoting engine we use. Enter your age, state and a few health questions and it returns real premiums from dozens of national carriers — across every product line we sell, not just term. Compare them, change the coverage amount and the term length, and apply online right there if you want to. Nobody calls you because you ran a quote.
What you can price here
- Term life — 10, 15, 20 & 30 year
- Return-of-premium term
- No-medical-exam life
- Whole life
- Universal life
- Indexed universal life
- Final expense
- Accidental death
- Long-term care
- Linked-benefit (life + LTC)
- Fixed annuities
Independent Life Insurance Guidance
Washington Insurance Brokers LLC helps Washington residents compare life insurance options from multiple insurance companies. Life insurance quotes and implementation assistance are provided at no additional fee. Premiums are paid directly by the consumer to the issuing insurance company.
Quotes are estimates and do not bind coverage. Availability, eligibility, premiums, and policy terms are determined by the issuing insurance company and may require underwriting.
Prefer to talk it through? Call (206) 653-9636 or schedule a consultation. You get the same rates either way.
Start with the type that fits the problem
“Life insurance” is four or five genuinely different products that happen to share a name. Most of the decision is picking the right one — the carrier and the price come after that.
Term Life
The most coverage for the least money, for a set number of years. If you are buying life insurance for the first time and you have a mortgage or young children, this is almost certainly the answer.
How term works →Whole Life & Permanent
Coverage that does not expire, plus cash value that builds inside the policy and can be borrowed against. Costs considerably more per dollar of death benefit than term, and it should.
Whether it suits you →Final Expense
A small permanent policy, commonly $5,000 to $25,000, for funeral costs and the bills that arrive in the first few weeks. Health questions, usually no medical exam.
What it covers →Key Person & Business
Owned by the business, on the person it could not afford to lose quietly. Also how buy-sell agreements get funded and how SBA lenders get satisfied.
Business coverage →Also quoted above, without a page of their own
Universal & Indexed Universal Life
Permanent coverage with flexible premiums. An IUL credits interest tied to a market index with a floor that limits losses and a cap that limits gains. Powerful and frequently oversold — ask us to show you the guaranteed column, not just the illustrated one.
No-Exam Life
Accelerated underwriting using prescription, motor vehicle and medical database records instead of a paramedical exam. Available to healthy applicants within certain age and coverage limits, often with a decision in days.
Accidental Death
Inexpensive, and it pays only if death is accidental. Useful as a supplement when budget is genuinely tight. It is not a substitute for a real policy, and we will say so.
Long-Term Care & Linked Benefit
Coverage for the cost of care. Linked-benefit policies pair it with a death benefit, so the money goes to your family if the care is never needed — which answers the usual objection to standalone LTC.
Which one do you actually need
A rough map. It is not a substitute for running the numbers, but it will tell you where to start.
If you genuinely are not sure, quote term first. It is the cheapest way to be properly covered today, and most term policies can be converted to permanent insurance later without new medical underwriting. Being well covered with term beats being under-covered with something more elaborate.
What the money actually does
A death benefit is paid to your beneficiaries in a lump sum and they can use it for anything. Life insurance death benefits are generally received income-tax-free under current federal law, although individual circumstances vary — consult a qualified tax professional regarding your situation. In practice the money goes to a short list of things:
- Replacing your income — for a spouse, children, a parent you support, or anyone who depends on you financially. The question is not what a rule of thumb says; it is what still has to be paid for if your paycheck stops.
- Paying off the mortgage and other debt — so the house does not have to be sold and the debt does not become your family’s problem.
- Covering final expenses — a funeral in Washington regularly runs into five figures once you account for the service, the plot or cremation, and the costs around it, and those bills arrive well before an estate is settled.
- Leaving an inheritance — a policy creates an asset for your heirs even if you have not accumulated one another way.
- Providing estate liquidity — Washington has its own estate tax, with a threshold currently well below the federal one. Insurance proceeds can help cover it so heirs are not forced to sell the property or the business to pay a tax bill. Thresholds and rules change; an estate attorney or CPA should confirm how they apply to you.
- Charitable giving — naming a charity as beneficiary lets you give a far larger sum than the premiums you paid.
Cash value, honestly
Permanent policies build cash value that grows on a tax-deferred basis under current law and can generally be borrowed against or withdrawn while you are living. That is real, and for the right person it is genuinely useful. It is also the most oversold feature in this business. Cash value accumulates slowly in the early years, policies surrendered early frequently lose money, loans and withdrawals reduce the death benefit if they are not repaid, and the tax treatment depends on how the policy is funded and used. Treat it as a long-horizon decision, not a savings account, and involve a tax professional before you rely on it.
What using a broker costs you
No additional fee. Life insurance commissions are paid by the carrier and are already built into the premium, whether you buy through a broker, straight from the carrier, or from a call center off a television ad. Premiums are paid directly by you to the issuing insurance company. Rates for a given policy are filed with the state, so the same policy from the same carrier is priced the same whether or not you go through us.
What you get instead is someone who knows which carriers underwrite which situations favorably, which is usually worth more than shopping the advertised rate. A well-controlled thyroid condition, a history of depression, a private pilot’s license, a family history of cancer, a DUI eight years ago — two carriers with nearly identical rate sheets can classify the same applicant two or three health classes apart. That difference shows up in the premium every month for thirty years.
Washington Insurance Brokers is an independent brokerage in Auburn, Washington, working with individuals, families and business owners across the state. We are not captive to one carrier, so we have no reason to steer you toward one.
Get life insurance quotes
Run your own numbers with the quoter above, or tell us what you are protecting and we will compare carriers and explain the differences that never appear on the rate sheet.
Get an Instant Life Insurance Quote Call (206) 653-9636 Schedule a Consultation