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Life Insurance

Peace of Mind For You, Protection For Your Loved Ones

If you were to pass away unexpectedly, would your family have enough money to stay in the home you shared? Would there be enough for everyday expenses? What about college planning and other needs?

The Right Plan For Your Needs

At its core, life insurance is designed to leave your loved ones with the resources they need to maintain their lifestyle when you’re gone. Depending on the kind of policy you select, there can be other benefits, such as tax advantages. And finding the right coverage at the right price with Achieve Alpha Insurance —a leading Bellevue life insurance agency since 2008—is easier than ever.

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Term Life Insurance in Washington

Term Life Insurance

This simple, low-cost way to protect your family and lock in coverage for up to 30 years is a great place to start with life insurance. If you are healthy, getting a policy approved often takes just a few days.

Whole Life insurance Washington

Life-Time Term

This coverage lasts your entire lifetime, instead of being limited to a specified number of years as with standard term insurance. It can be 50% cheaper than permanent/whole life, which usually makes it a great value.

Washington Permanent Life Insurance

Permanent Life Insurance

Also known as whole life, this is a combination of life insurance and a low-volatility investment that pays out tax-free. It can be a powerful tool, but it’s important to have the right policy for your specific situation.

Are You Paying Too Much For Life Insurance?

Here Are 5 Ways To Tell

We often can save clients $30 or more per month on a term life insurance policy. Over 30 years, that’s a savings of almost $11,000, with better coverage, too. We’ve even saved some clients more than $200 a month. Here are five ways you can tell you’re probably paying too much.

        You only shop one company.
        There’s no insurance company for any kind of insurance that is right for everyone, and this goes for life insurance, too. Each company has different risk tolerances, and will have different rates based on your medical history, height, weight, age, family history, tobacco usage, etc. Going with one company over another can save you more than 20% and we shop at over 33 life insurance carriers to ensure that you get the right policy for your needs at the best price.

        You buy life insurance through your employer.
        These policies often are overpriced and worse, most of them aren’t “portable,” which means if you leave your company, you lose that coverage. Life insurance is so important because we don’t know what the future holds; similarly, you never know what can happen with your job. It’s best to keep the two separate.

        You haven’t considered lifetime term insurance.
        This is a type of permanent life policy that acts a lot like term insurance except instead of 10 or 20 or 30 years, you are covered as long as you live. It’s much less expensive than standard permanent life, but many agents don’t like it because they make a lower commission on it. At Achieve Alpha Insurance, we sell it all the time, as we believe in helping our clients make the decision that is best for them, not for us.

        You have a policy, but haven’t shopped for a few years. Term insurance might seem like a “set it and forget it” thing, and sometimes it can be. But prices have declined dramatically in recent years due to increased competition and the fact that people are living longer. Switching to a new policy could save you a significant amount.

        Do NOT bundle your life insurance with your auto or home carrier.
        It might be the easiest way to get life insurance, but you’ll often pay a lot more for that convenience even if your carrier offers a discount for having life insurance with them. Many companies that are competitive for home and auto usually are not competitive at all when it comes to life insurance. This includes State Farm, Farmers, Allstate, New York Life, Northwestern Mutual, Mass Mutual, Guardian, Nationwide, and American Family. Many offer a 10% discount for having your policies in one place, but if their premiums are 40% higher than other carriers…get it separately.

        What You Can Count On

        Superior personal service and absolute professionalism. We take a personal approach to each and every client we work with, truly cherishing and growing the relationships we make with everyone we come in contact with and service.

        CALL: (425) 802-2783 or fill our Quick  Quote Form 

        life insurance washington

        Find out fast if you are paying too much for Life Insurance, and how easy I make it for you to switch if you are

        I’ll know if I can save you money in just a few minutes. I’m a no pressure guy and will be honest. If you have a good deal already will tell you to stay. Many major companies charge 30% to 40% more and I often know instantly if you can save money. They are all good companies… Just not the best for term life insurance.

        Get the Best Life Insurance for you, at the lowest rate available in the USA. We are also working on Life Insurance in Seattle.

        Please note that while we provide general information about the tax benefits and/or implications of insurance policies, we are not licensed to provide professional tax advice or guidance. If you have questions about your tax situation, and how insurance might impact it, please contact your tax advisor.

        Our Customers Loves Us! Check our References on Yelp

        Check them out for yourself here! 

        " Gary Franke is terrific.  He is competent, professional, knowledgeable, and personable.  He has helped us through the complicated world of auto insurance and we are so grateful.  I highly recommend him and his partner as brokers for anyone's insurance needs!! "

        Suzy V.

        " I'm truly grateful to Achieve Alpha, and feel so fortunate to have been referred to them for my health insurance needs. I've had experiences over and over that insurance providers suck. They don't give a crap about people. Their systems make no sense. Their people aren't motivated to serve "

        Aaron S.

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