Life Insurance Policy Information

Term, Universal & Whole Life Insurance - Washington

Life Insurance can help protect your family and is an excellent way to
accumulate money for college, retirement or unplanned expenses. A person
should have life insurance that approaches six to eight times their annual gross
income. Under current laws, there is generally no federal income tax on death
benefits paid to a named beneficiary.

Using the strength and experience of our life insurance markets, we offer
affordable term life, whole life, and universal life insurance policies.

We are a local Seattle, Washington area insurance agency, offering affordable
term, whole, and universal life insurance policy premiums and comprehensive
insurance services to residents of the following cities and counties: Mill Creek,
Lynnwood, Alderwood Manor, Mountlake Terrace, Brier, Lake Forest Park,
Sheridan Beach, Woodinville, Hollywood, Woodway, Bothell, Maltby, Clearview,
Monroe, Cathcart, Snohomish, Everett, Lake Stevens, Redmond, Yarrow Point,
Clyde Hill, Medina, Mercer Island, Eastgate, Hazelwood, Kirkland, Shoreline,
Edmonds, Mukilteo, Marysville, Tulalip, Bellevue, Sammamish, Bremerton,
Renton, Fairwood, Coalfield, Bryn Mawr, Skyway, Newcastle, White Center,
SeaTac, Issaquah, Riverton Heights, Tukwila, Normandy Park, Kent, Des
Moines, Federal Way, Auburn, Tacoma, Burien, Kingston, Port Gamble,
Hansville, Sultan, Startup, Gold Bar, Bainbridge Island, Port Blakely, South
Beach, Kitsap County, Snohomish County, Pierce County, and King County, WA.

Universal Life Insurance Policy Information - Washington

A flexible premium policy that combines protection against premature death with a
savings account that typically earns a money market rate of interest. A universal life
insurance policy is a combination of term life insurance protection with the cash
savings value of whole life insurance. Interest rates paid on the cash value are
typically higher than with whole life insurance because they tend to follow the
markets.

Premiums for universal life insurance policies can be paid in a lump sum,
annually, or anywhere in between. Interest on the cash value is usually
guaranteed, but will vary according to the investment performance. Each month
deductions are made from the cash value fund to support the costs of the
insurance protection. As long as the cash value is substantial enough to maintain
the monthly costs, the policy will remain in force. Typically the death benefit
reduces in proportion to the increase in cash value, thus causing a level death
benefit.

Variable Universal Life Insurance Policy

Combines the growth potential of stocks with a guaranteed death benefit. It allows
premiums to be paid, reduced, or even skipped at any time, and the contract will
not lapse as long as sufficient cash value is available. The cash value fund can be
split between different investment mediums, such as bond funds, stocks, and
money markets. It's interest-sensitive and allows for an adjustable death benefit.

Click on the link below to fill out a quote request form for a Universal Life
Insurance policy that will provide excellent life insurance coverage at an affordable
cost. Or you can speak with our LifeInsurance specialist at 888-202-9921 to
discuss the features.

Term Life Insurance Policy Information - Washington

Life insurance coverage for a specified length of time. A term life
insurance policy is usually purchased with a particular need in mind.
Beneficiaries will collect, usually tax free, the face value of the policy
upon the insured (your) death. Term life is attractive for those with a
limited income, high short term insurance needs, or for personal
family protection.

If the insured survives the time period, the policy expires. There is no
cash value at the expiration of a term life insurance policy. Some
policies have a convertible feature permitting a policyowner to
exchange a term policy for a cash value policy without evidence of
insurability.

Level Term Life Insurance Policy Features

A constant death benefit and a level premium for a specified
number of years. We offer 10, 15, 20, and 30 year terms.

Decreasing Term Life Insurance Policy Features

Has a decreasing death benefit and a level premium.

Click on the link below to fill out a quote request form for a Term Life
Insurance policy that will provide excellent life insurance coverage at
an affordable cost. Or you can speak with our Life Insurance agent
specialist at 888-202-9921 to discuss the features.

Click here to fill out a

Term Life Insurance

quote request form

Whole Life Insurance Policy

Click on one below to learn more!

Term Life Insurance Policy

Universal Life Insurance Policy

Whole Life Insurance Information

Universal Life Insurance Information

The most popular choice for those seeking to cover permanent needs, such as
contributing to a survivor's nest egg, paying off final expenses, etc. Whole life
insurance provides permanent, lifelong insurance coverage. The benefit amount
remains the same and is payable to the beneficiary(s) at the time of the insured's
(your) death. It also offers an opportunity to build cash value, so you can take a loan
on your policy to fund major purchases or to provide for unexpected costs.

Whole life insurance has a fixed premium and a level death benefit to age 100.
The premiums don't increase with age, which averages the cost of the policy
over your life. The cash value increases with time until it equals the death benefit
at age 100. This type of policy never has to be renewed or converted. The cash
value is an amount of money that you are guaranteed to receive in the event of
policy cancellation.

Whole Life Insurance Policy Information - Washington

Variations of Whole Life Insurance include:

Modified Premium - lower fixed premium for the first 3 or 5 years, and then
premiums increase. These policies work well for individuals that expect to
improve their financial condition in the near future.

Graded Premium - premium increases each year for the first 5 years, and then
is fixed.

1. premium costs may make it difficult to buy enough

2. need to carry a whole life policy for a considerable length of time to be very
beneficial

3. cash value may be less than your face value

4. cannot vary your monthly premium payment and the premium-paying period
may be lengthy

5. amount of coverage cannot be increased at a later date

Advantages of Whole Life Insurance

1. guaranteed protection for life

2. level death benefit that is generally tax-free

3. premiums do not increase in correlation with your age

4. cash may accumulate tax-deferred

Disadvantages of Whole Life Insurance

Term Life Insurance Information

Universal Life Insurance Information

Click on the link below to fill out a quote request form for a Whole Life Insurance
policy that will provide excellent life insurance coverage at an affordable cost. Or
you can speak with our Life Insurance specialist at 888-202-9921 to discuss the
features.

Term Life Insurance Information

Whole Life Insurance Information

Click here to fill out a

Whole Life Insurance

quote request form

Click here to fill out a

Universal Life Insurance

quote request form

**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.