Individual Life Insurance in Lewiston ID & Clarkston WA

Reassurance for you and your Loved Ones.

CBIZ-Sattler Insurance Agency provides life insurance to individuals in Lewiston, Clarkston, Asotin, Pullman, Moscow, Coeur D' Alene, 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 CBIZ-Sattler 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

CBIZ-Sattler 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. 

CBIZ-Sattler 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 CBIZ-Sattler 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

CBIZ-Sattler Insurance Agency

1504 8th St
Lewiston, ID 83501
Main office: 208-743-9426
Toll free: 800-615-8418

Our Providers

Testimonials

"I would like to compliment You on a Great choice on one of your staff: Katy Miller is one of the finest Insurance agents I have ever worked with !! Anytime I ask for any info, She is very quick to respond with an answer. Her follow up is 2nd. to none!! When I stop in unannounced, Katy always has time for me!!!! It’s a pleasure to work with Katy each & every time I need help..."
Gary & Lydia Johnson
"Tyler, I appreciate your persistence with obtaining insurance for Jackson Hole Packraft. It enabled me to have a record-breaking season. It was a pleasure to work with you!"
Amy Hatch - Owner of Jackson Hole Packraft
I have recently taken over Grand Canyon Expeditions position as President of the company. I have been involved with GCEX for over 28 years, but never really involved in the details of our insurance and our commitments to the NPS as a concessionaire. Holly Friede was so kind and patient with me in helping me to understand and get a grasp of all the details, she even helped me to make additional decisions to better our coverage in this economy. As we would say to Holly and Sattler Insurance from the river...”many thanks to you, with big waters, blue skies and a GRAND season, thank you from the bottom up”. Sincerely, Marty Mathis /Grand Canyon Expeditions
Marty Mathis - Grand Canyon Expeditions