Coverage for the people and plans behind you.
Term and permanent life insurance for Washington families and business owners — explained plainly, placed thoughtfully.
Family Protection
Income replacement, mortgage protection, and education funding — term and permanent options sized to what your family would actually need.
- Term life for income years
- Permanent life for lifelong needs
- Coverage for both spouses
Business Owners
Key person coverage and buy-sell funding so the business survives the loss of an owner or essential person — subject to carrier availability and underwriting approval.
- Key person life
- Buy-sell agreement funding
- Business loan protection
Term vs. Permanent
Term covers a set period; permanent is designed for long-term protection — as long as required premiums are paid and policy conditions are met — and can build cash value. We explain the trade-offs plainly so you can choose with confidence.
- Clear cost comparison
- Convertibility options
- No pressure either way
Frequently asked.
How much life insurance do I need?
There's no universal multiplier. The right amount comes from a needs-based look at your income, debts, dependents, existing coverage, and budget — and what you want the coverage to actually do. We work through that with you rather than guessing.
Term or permanent — which is better?
Neither is universally better. Term is inexpensive protection for a defined period; permanent costs more and is designed for long-term protection, provided required premiums are paid and policy conditions are met, and it can accumulate cash value. Loans or withdrawals can reduce benefits and increase lapse risk, and features vary by product. Many families use a blend. We'll show you both side by side.
Do I need a medical exam?
It depends on the carrier, the product, and the amount. Some policies use accelerated underwriting with no exam; larger amounts usually require one. We'll tell you what to expect before you apply.
Can life insurance fund a buy-sell agreement?
Yes — life insurance is a common way to fund buy-sell agreements so surviving owners can purchase a deceased owner's share. Availability and structure depend on underwriting and carrier approval, and your attorney should handle the agreement itself.
Life insurance products are offered through New York Life, our life insurance carrier, and are subject to producer and carrier availability, underwriting, and approval. Product features, guarantees, and availability vary by carrier and policy. Life insurance is not a tax or legal strategy — consult your tax or legal advisor for guidance on your situation.
Let's find the right amount of coverage.
Send a request anytime. Our response target is five minutes; response times may vary. Submitting a request does not bind or change coverage.