Individual Life Insurance in Spokane WA & Spokane Valley WA

Reassurance for you and your Loved Ones.

North Town Insurance provides life insurance to individuals in Spokane, Spokane Valley, Seattle, Wenatchee, Coeur d Alene, Rancho Mirage, and surrounding areas.

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 North Town 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 reassurance they deserve. 

Types of Individual Life Insurance

North Town Insurance offers several different coverage options for your consideration including term life, whole life, and more.

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’s a benefit policy that’s 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 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 policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest. 

North Town 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’s why it’s 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 North Town 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. 

As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

Our Location

North Town Insurance

5727 N Division
Spokane, WA 99208
Main office: 509-483-3030
Fax: 509-487-8355

Our Providers

Testimonials

This office has great customer service. Great people, great customer care

Jan A.
Five Stars! Always friendly and ready to help.

Stephanie C.
Great people and services. Very helpful and informational about their policies and what they can do for their customers. I would totally recommend!

Christina M.
I would like to start by saying although my agent is my daughter, I would expect the same level of educated professionalism from anybody servicing my policy. She got a great rate for our business and we hang her sign proudly in the brewery.

Hopped Up Brewing
I switched my auto insurance policy to North Town Insurance with Amanda Ewan as my agent over a year ago. I am VERY happy with my decision. Amanda has outstanding people skills. I can feel her smile across the phone which brightens my day. She puts my needs first. I am always able to get a hold of her when I need her. I appreciate her honesty. Knowing she has an eye on my insurance needs helps me to relax.

Joyce A.
Matt Paulson is a great friend and a awesome insurance agent he has saved me on my car insurance, renters insurance, 4wheeler insurance, and now i will be signing my life insurance with him. If you think you might be paying to much for insurance and want a to see if you can save money call Matt at northtown insurance company.

Sharell F.
I work for Progressive Insurance. I have had a few customers that have bought policies from Matt and I have had customers that work with your agency. I am glad that you guys are giving customers what they need rather than what is the most "cost effective". It makes my job much more easy if the customer has the correct policy to make them "whole" again. If the policy is not sufficient, the customer usually has a bad outcome.

Tim - Progressive Insurance