Find a Business Near: Spokane, WA

Insurance - Life In Spokane

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Insurance - Life

Below is a list of businesses which provide Insurance - Life services. If you do not see your business in the list, you can submit it for addition to this list. Adding your business will feature your listing above Standard listings.

Standard Listings

Business Listing   Aflac Insurance Agent Kristen Sylvester - Spokane, WA - Phone: (509) 893-9388

Business Listing   Allstate Insurance Companies - Sales Offices- Spokane Valley - Spokane, WA - Phone: (509) 922-4714

Business Listing   American National Insurance - Spokane, WA - Phone: (509) 928-2772

Business Listing   Boutz Jr- Michael J - State Farm Insurance Agent - Spokane, WA - Phone: (509) 468-8351

Business Listing   Brennick- Kitty M - State Farm Insurance Agent - Spokane, WA - Phone: (509) 483-5540

Business Listing   Bronson Eugene B MONY Life Insurance CO - Spokane, WA - Phone: (509) 838-2036

Business Listing   Darren Young Ins Agcy Inc - Spokane, WA - Phone: (509) 624-7890

Business Listing   Greg Fosse Insurance Agcy Inc - State Farm Insurance Agent - Spokane, WA - Phone: (509) 467-4600

Business Listing   Greg Mandick Ins Agency Inc - State Farm Insurance Agent - Spokane, WA - Phone: (509) 326-2065

Business Listing   Guardian Life Insurance CO of America - Group Dental Claims - Spokane, WA - Phone: (509) 468-6500

Business Listing   Guardian Life Insurance CO of America - Group Medical Claims - Spokane, WA - Phone: (509) 468-6300

Business Listing   Gyarfas- James R - State Farm Insurance Agent - Spokane, WA - Phone: (509) 747-3066

Business Listing   Heidinger- Mark - State Farm Insurance Agent - Spokane, WA - Phone: (509) 467-6659

Business Listing   Higgins- Samuel J - Spokane, WA - Phone: (509) 535-1357

Business Listing   Kathie Doyle-Lipe Ins Agcy Inc - State Farm Insurance Agent - Spokane, WA - Phone: (509) 327-4407

Business Listing   Kathy Knechtges Ins Agcy Inc - State Farm Insurance Agent - Spokane, WA - Phone: (509) 468-8383

Business Listing   Ohio Casualty - Spokane, WA - Phone: (509) 924-1011

Business Listing   Praxel- John T - Spokane, WA - Phone: (509) 624-7073

Business Listing   Sterling Life Insurance Company - Spokane, WA - Phone: (509) 344-2060

Business Listing   Wilhelm- Sharon A - Spokane, WA - Phone: (509) 466-7980

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Helpful Definition for: Insurance - Life

Life insurance, in Spokane, is defined as a contract between the the insurer, & the insured according to which, the insurer pays a designated beneficiary or nominee a premium upon the demise of the insured person. Other events such as terminal illness or critical illness may also fall under the coverage of the policy. In return, the policy has to pay a fixed amount as per the deal, during his lifetime.

Life insurance policies in Spokane are the legal contracts & possess limitations of the insured events. Often specific exclusions are written into the contract to limit the insurer’s liability. Life-based contracts are generally classified as:

Protection policies that are designed to provide monetary benefits in a specified event & Investment policies that mainly aim at facilitating the growth of capital by regular or single premiums. Life insurance may be of two basic types – temporary or term insurance and permanent insurance, which again has four subtypes –universal, whole life, limited pay and endowment life insurance.

Term assurance is a temporary insurance that provides life insurance coverage for a specified term of years against a specified premium. Accidental death is a sub-type of temporary insurance, which provides coverage to the insured in case of his death due to an accident and not any kind of health problem or suicide.

Permanent life insurance is life insurance that remains valid until the maturation of the policy due to failing of the owner to pay the premium.

Universal life insurance is a latest insurance product that intends to provide permanent insurance coverage with greater flexibility in premium payment and the potential for greater growth of cash values.

Whole life insurance provides guaranteed death benefits, guaranteed cash values, fixed and known annual premiums & non-reducible cash value even in case of mortality charges & other related expenses.

Limited-pay life insurance involves payment of all the premiums over a certain period after which no additional premiums are needed to keep the policy valid.

Endowments are the policies in which at a certain age of the insured, the cash value built up inside the policy, equals the death benefit.

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