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Individual Life Insurance in Washington PA & Canonsburg PA

Reassurance for you and your Loved Ones.

B & W Insurance Agency provides life insurance to individuals in Washington, Canonsburg, Bridgeville, Peters Township, Mt. Lebanon, Upper St. Clair, 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 B & W Insurance Agency, 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

B & W Insurance Agency 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. 

B & W Insurance Agency 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 B & W Insurance Agency 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

B & W Insurance

1340 Washington Road
Washington, PA 15301
Main office: 724-216-0455
Fax: 724-222-4857

Our Providers

Testimonials

Thank you for meeting all of my insurance needs over the past two years. Your agency is a wonderful insurance provider.
Ann M.
Thanks Dave sooo much for all your help with this. I greatly appreciate it and all your company does and that is why I continue to do business with you!!! Have a great day!
Clark
Thank you for being so helpful as often as you are.
Jamie & Eric C
Thank you so much for this information and for the very informative meeting with my mom and I. We truly felt much better about this insurance situation after we left your office!
Lexie
Thank you so much for your time and effort. I really appreciate your help.
M. Joyce
Thanks Dave! I never thought getting a new insurance policy would be so hassle-free.
Paula S.
Thank you so much. You are truly the BEST!
Paula T.
I want to take this opportunity to let you know what a great company they are. I suppose you can never really know the quality of the company until you have to use the services...unfortunately, I have had to use the services rather extensively over the last 6 months. The services across the board was excellent, including premium adjustments. You should recommend this company at every opportunity you have.
Roanna S.
Thanks Dave sooo much for all your help with this. I greatly appreciate it and all your company does and that is why I continue to do business with you!!! Have a great day!
Stacey C.
Wow! Now, how is that for service!
Teresa R.
Just wanted to thank you again for your help and prompt service! It is refreshing to know there are still real people out there to work with as opposed to recorded messages and on-line applications. You made what was becoming a very frustrating process quick and easy! I will certainly remember your office for any future insurance needs.
Wendy K.