509-412-3521

Individual Life Insurance

Peace of Mind for you and your Loved Ones

AAG Insurance provides life insurance to individuals in Kennewick, Spokane, Battle Ground, Chehalis, Davenport, Longview, and surrounding areas.

Individual Life Insurance

Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. 

Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family.

At AAG Insurance, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the peace of mind you deserve. 

Types of Individual Life Insurance

AAG Insurance offers several different coverage options for your consideration: term life, whole life, universal life, and variable life insurance.

Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It is a benefit policy that is used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life, variable life, or universal life insurance.   

There are two types of term life insurance: 

  • Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
  • Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.?

Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of the policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes. 

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It is important to note that changes to your universal life policy can affect its guarantees and limits.

Variable Universal Life - With a variable universal life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.

AAG Insurance is here for you

There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That is why it is important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. 

An insurance specialist with AAG Insurance will review your current life insurance situation and help you design a policy to plan for the future. 

At the end of the day, one of the biggest investments you can make is an investment in yourself. 

 

*Kennewick (Main Branch)

552 N Colorado, St #103

Kennewick, WA 99336

Main office: 509-412-3521
Fax: 509-783-5436

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Battle Ground

909 W Main St, #102

Battle Ground, WA 98604

Main office: 309-832-0915
Fax: 360-687-4354

Office Hours:

Mon: 8:00 AM - 4:00 PM
Tues: 8:00 AM - 4:00 PM
Wed: 8:00 AM - 4:00 PM
Thurs: 8:00 AM - 4:00 PM
Fri: 8:00 AM - 4:00 PM
Sat: Closed
Sun: Closed

Chehalis

571 NW Pacific Ave

Chehalis, WA 98532

Main office: 360-869-0498
Fax: 360-748-7260

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Colfax

401 S Main St

Colfax, WA 99111

Main office: 509-740-3792
Fax: 509-397-3401

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Davenport

509 Morgan St

P.O. Box 427 Davenport, WA 99122

Main office: 509-316-0612
Fax: 509-725-5016

Office Hours:

Mon: 8:00 AM - 4:00 PM
Tues: 8:00 AM - 4:00 PM
Wed: 8:00 AM - 4:00 PM
Thurs: 8:00 AM - 4:00 PM
Fri: 8:00 AM - 4:00 PM
Sat: Closed
Sun: Closed

Longview

1210 Commerce Ave

Longview, WA 98632

Main office: 509-412-3521

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

W Spokane

10408 W State Route 2 Ste 1

Spokane, WA 99224

Main office: 509-412-3536
Fax: 509-927-9155

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

I have had the pleasure of being a customer of AAG Insurance for years. They have treated me like a part of their family, always looking out for my best interest and made the stress of having two teen age drivers, much more bearable by taking care of our insurance needs, I could rest assured [because] family was well covered
K. McKenney
As a client of AAG Insurance for the past 8 years I can say that, the customer service, knowledge of their agents and my overall experience with them has been top of the line
T King
Like my old Ford, I consider AAG Insurance dependable and loyal…Always there when I need them
S. King
We came from California 13 years ago and needed home and auto insurance. A friend of ours suggested we go to AAG. We did and the service was great, people were friendly and honest
W. F. Margart