Life Insurance That Helps Support What Matters Most.
We don't just find you the lowest price — we build a policy that holds up when you need it most. Our agents compare options across 20+ top-rated carriers to find you the right coverage at the best value.
THE FIRSTMARK CHALLENGE
A better way to review coverage.
Four simple steps. Zero obligation.
Have A Conversation.
We shop the markets.
Review the results.
You decide.
- Licensed in 39 states
- 20+ Insurance Carriers
- Headquartered in Edmonds, WA
- Independent & Unbiased
A better way to review coverage.
The Firstmark Challenge
Our simple, guided process makes reviewing your insurance easy. We take the time to understand your needs, compare options across top carriers, and present clear results—so you can make a confident decision.
01
Have A Conversation
02
We Shop The Markets
03
Review The Results
04
You Decide!
Planning for the Future Is Important—Your Coverage Shouldn’t Be Complicated
With FirstMark Insurance’s dedicated team, you get local experts comparing options from over 20 insurance carriers to help protect your loved ones and long-term financial goals—with strong coverage and competitive pricing.
Term life insurance is generally the most affordable way to provide protection for loved ones if the need for life insurance will only last for a certain period, period such as twenty years. This timeframe often coincides with a mortgage payment, how long until a child’s college funding needs last, or how long a person is providing for their spouse with their income.
The loss of income and household contributions can be a worry for many families. Everyday expenses may be difficult to pay with a reduced household income. Life insurance death benefit proceeds can be set aside to pay for these ongoing expenses.
Coverage + Options
Guaranteed Level Term
The most common type of term insurance. Also the simplest, with premiums that remain the same through the life of the policy. May or may not be renewable.
Annual Term
Often referred to as Annual Renewable Term (ART) because these policies are designed to renew at the the end of every year, though premiums usually increase.
Renewable Term
Allows the insured to renew their policy with an identical one when the term has expired. Only change in premium based on age. Come in 1 and 5 year varieties.
Simplified Issues
Big draw: no insurance medical exam required and only a few questions to answer. Still comes with a variety of terms, prices, and options. Premiums may or may not increase depending upon configuration.
Return of Premium Policy
Provides the option to have your premiums returned at the end of your policy if you are still alive. Different configurations, but generally higher premiums.
Convertible to Cash Value
Allows policy owner to convert policy to some form of cash value coverage. New premiums based on age at time of conversion. Various stipulations.
Approval for Life Insurance with No Medical Exam
Multiple life insurance companies have rolled out accelerated underwriting programs where the application do not have to complete a medical exam in order to take out a life insurance policy. The insurance company gathers personal information from multiple sources and decides if they want to make an offer for life insurance without the proposed insured having to take a paramedical exam. This eliminates the need for a blood test and other prerequisites. Coverage limits for these types of policies are typically limited to death benefit amounts of 1,000,000 to age 50 and 500,000 to age 60. If someone does not want to go through the paramedical exam process, applying for life insurance with a company offering an accelerated underwriting program becomes a great option.
FAQs
What’s the difference between term and whole life insurance?
Term life insurance provides coverage for a specific period of time, such as 10, 20, or 30 years. Whole life insurance is designed to provide lifelong coverage and may also build cash value over time. The right option depends on your financial goals, budget, and coverage needs.
How much life insurance do I need?
The amount of life insurance you may need depends on factors like your income, debts, living expenses, and future financial goals. Many people choose enough coverage to help protect their loved ones financially if something unexpected happens. A licensed insurance professional can help you evaluate your options and determine an appropriate amount of coverage.
Do I need life insurance if I’m single?
Life insurance can still be beneficial even if you’re single. It may help cover personal debts, final expenses, or provide financial support for family members who may rely on you. Some policies can also offer additional financial planning benefits depending on the type of coverage selected.
Can I get life insurance with a pre-existing condition?
Many people with pre-existing conditions are still able to qualify for life insurance coverage. Eligibility and pricing can vary based on factors like your health history, current condition, age, and the type of policy you choose. FirstMark Insurance Group can help you explore available options and compare policies from different carriers.