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Life Insurance in Washington
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The Financial Picture in Seattle
Seattle's economy is booming, offering a substantial number of job opportunities for individuals living and working in the region. However, the cost of living in Seattle is 50% higher than the national average, with housing prices at 111% higher than the national average.
Local note: Washington's public employees can choose between two different retirement plans, a traditional pension plan (Plan 2) or a hybrid plan with a 401(k)-style investment component (Plan 3).
Figures shown are for Seattle. Approximate figures from public sources.
Insurance & Retirement Options in Washington
Term Life Insurance
Affordable coverage for 10, 20 or 30 years, sized to your mortgage, income and kids. The simplest way to protect a family in Washington.
Learn more →Indexed Universal Life (IUL)
Lifelong coverage with cash value linked to a market index, and a 0% floor on index credits in down years.
Learn more →Annuities
Turn retirement savings into steady income, with fixed and indexed options that shield your principal from market losses.
Learn more →Final Expense
Small whole life policies that cover funeral and end-of-life costs, with simple health questions to qualify.
Learn more →Why Washington Families Plan Ahead
In Seattle, the median home is worth about $837,000 and the median household earns about $124,000 a year. For most families the mortgage is the biggest bill, so a good starting point is term coverage that would pay off the house and replace several years of income if a paycheck stopped.
About 13% of residents are 65 or older. If you are close to retirement, an annuity can turn savings into steady income, and a final expense policy can keep funeral costs off your children.
Washington does not tax wages, so more of each paycheck can go toward protection and savings. Cash value in an IUL can add another tax-advantaged source of retirement income.
Seattle Area Resources
Local businesses and advisors in the Seattle area. Links open their own websites.
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