Our life & health insurance programs meet a wide range of needs for companies, individuals and families, offering the protection of disability insurance, life insurance, long-term care insurance, and medical, dental, and vision.

Client service is our top priority. We work with you and our insurance carriers to determine the best level of coverage to protect against loss of income due to illness or injury. If you have had difficulty securing coverage, let Lovsted-Worthington help. We'll gather detailed information on your income needs and history, occupation, medical history, existing individual or employer coverage, and retirement plan contribution needs to make certain that you are covered fully, and at the best price.

For commercial life & health insurance clients, our options include business overhead expense policies, disability buy/sell coverage, key employee disability coverage, loan indemnification disability coverage, group disability and selective executive disability plans. We can help protect your business against illness or injury to the business owner or partner and key employees, as well provide as disability income coverage for employees and owners.

We build our profile based on type, size and age of your business, the importance of an owner or partner's participation, the replacement value/cost of key employees, overhead expense and financing needs, and the number of employees, their occupations, income needs, and medical histories. Insurance doesn't help if the coverage isn't right. Our specialists will find the right level of protection at a price that works for you.

Commercial

• Business Overhead Expense Policies
• Disability Buy/Sell Coverage
• Key Employee Disability Coverage
• Loan Indemnification Disability Coverage
• Group Disability & Selective Executive Disability Plans

Our staff will work with you & our insurance carriers to find competitive coverage to protect Organizations against illness or injury to the Business Owner or Partner & Key Employees, as well as Disability Income coverage for Employees and Owners. Areas we'd consider are:

• Type, Size & Age of the Business
• Importance of Owner or Partner's participation in the Business
• Replacement Value/Cost of Key Employees to the Business
• Overhead Expense & Financing Needs
• Number of Employees, their Occupations, Income Needs & Medical Histories

Small Business Insurance Consumer Guide

Individuals & Families

• Disability Income & Retirement plan contribution Coverage

Our staff will work with you & our insurance carriers to find competitive coverage to protect against loss of income due to illness or injury based on your:

• Income Needs & History
• Occupation
• Medical History
• Existing individual or employer coverage
• Retirement Plan Contribution Needs

Income Needs Calculator

Disability Insurance Consumer Guide

Commercial

• Buy/Sell Agreement Life Policies
• Key Employee Life Coverage
• Loan Indemnification Life Coverage
• Group Life, Executive Bonus & Selective Benefit Life Plans
• Deferred Compensation Plans

Our staff will work with you & our insurance carriers to find competitive coverage to protect Businesses & their Owners against the loss of Key Employees or Partners & help assure that Succession Plans have proper funding. Employees' personal needs can also be covered through Group & Selective plans. Areas we'd consider are:

• Importance of Owner or Partner's participation in the Business
• Replacement Value/Cost of Key Employees to the Business
• Importance of retaining individual Key Employees over time
• Overhead Expense & Financing Needs
• Employees' Insurance Needs & Medical Histories

Small Business Insurance Consumer Guide

Individuals & Families

• Term & Permanent Life Policies

Our staff will work with you & our insurance carriers to find competitive coverage to protect your Family against loss and to accomplish Estate Planning objectives based on your:

• Income Replacement Needs
• Retirement and Education Savings Needs
• Debt resolution Needs (mortgage etc…)
• Medical history & other underwriting factors
• Existing coverage
• Estate Tax outlook
• Charitable Objectives

Life Insurance Needs Calculator

Life Insurance Consumer Guide (Life/Health Insurance Foundation for Education)

Commercial

• Group & Selective Benefit Long Term Care Plans

Our staff will work with you & our insurance carriers to find competitive coverage to protect Business Owners, Employees & their Families against the costs of Long Term Care based on:

• Type, Size, Structure & Age of the Business
• Importance of retaining individual Key Employees over time or Employees in general
• Insurance Needs & Medical Histories of those individuals to be covered

Individuals & Families

• Joint & Individual Long Term Care Policies

Our staff will work with you & our insurance carriers to find competitive coverage to protect your Estate & your Family against the costs of Long Term Care based on your:

• Family Structure
• Time Horizon
• Assets available with which to self-insure & their liquidity
• Likelihood not to qualify for Medicaid
• Estate Plan considerations
• Medical History

Long Term Care Insurance Consumer Guide (AHIP)

Commercial

• Group Medical, Dental & Vision Plans

Our staff & strategic partners will work with you & our insurance carriers to find competitive coverage for the Medical, Dental & Vision insurance needs of Business Owners & their Employees based on:

• Type, Size & Age of the Business & the number of Employees to be covered.
• Importance of retaining Employees over time
• Availability of Trust plans for which the Group may qualify

Small Business Insurance Consumer Guide

Individuals & Families

• Individual Medical & Dental Policies

Our staff will work with you & our carriers to find competitive coverage for your medical insurance needs based on your:

• Preference between Comprehensive & Catastrophic (higher-deductible) Plans
• Availability of coverage through your employer or your spouse's employer
• Medical History
• Providers' participation in the carriers' Preferred Networks

Health Insurance Consumer Guide (AHIP)

Browse/Apply online through Lovsted Worthington for Regence BlueShield of WA

Browse/Apply online through Lovsted Worthington for Lifewise of WA

Browse/Apply online through Lovsted Worthington for Group Health