Licensing & Disclosures
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Independent DC Life Insurance Broker Serving Families Across the District
I'm Brandon Eason, an independent DC life insurance broker licensed in the District of Columbia. Looking for a Washington, DC life insurance agent? As an independent agent and broker, I work with multiple carriers, so I can compare options for you instead of offering just one company's policies.
Term Life Insurance
Affordable coverage for a set number of years, such as 10, 20, or 30, while your family depends on your income.
Final Expense Insurance
A smaller whole life policy to help your family cover funeral, burial or cremation, and final bills.
Coverage I Help DC Families Compare
Mortgage Protection
Life insurance matched to your home loan, so your family has money to pay off the mortgage or keep up with payments.
Permanent Life Insurance
Coverage designed to last your lifetime, with the option to build cash value over time.
Washington, D.C. by the Numbers
$660,000
Statewide median home sales price in Washington, DC, September 2026
30 days
Minimum grace period DC law requires on life insurance premiums after the first year
47%
Share of U.S. adults who say they would have trouble paying living expenses within six months of losing the primary wage earner
Sources:
DC REALTORS, September 2026 Washington, DC Market Insights (Bright MLS data); D.C. Code § 31-4703; LIMRA and Life Happens, 2025 Insurance Barometer Study.
Why Work With an Independent DC Life Insurance Broker
Multiple Carriers, One Conversation
I'm not tied to one insurance company, so I can compare options from multiple carriers and show you the choices side by side.
Licensed in the District
I hold a District of Columbia life insurance producer license. You can verify it any time with the DC Department of Insurance, Securities and Banking (DISB). My National Producer Number is 15762101.
Every Ward, by Phone or Video
Whether you live on Capitol Hill or in Petworth, Navy Yard, Anacostia, or Georgetown, we can meet by phone or video at a time that works for you.
Plain English, No Pressure
I explain how each policy works, what it costs, and what it does not cover, so you can decide what's right for your family.
D.C. Life Insurance Questions
How do I check that an insurance agent is licensed in D.C.?
Use the DC Department of Insurance, Securities and Banking (DISB) license verification page, or call DISB at 202-727-8000. You can search by the agent's name or National Producer Number. Mine is 15762101.
Do I get time to review a policy after I buy it?
Most life insurance policies include a free-look period, often 10 days or more, printed on the front of the policy. If you cancel in writing during that window, you can typically get your premium back. Check your policy for the exact length, and ask me before you sign if you're unsure.
What happens if I miss a premium payment?
DC law requires life insurance policies to include a grace period of at least 30 days, or one month, for premiums after the first year. Your coverage stays in force during the grace period, but contact your insurer or me right away so the policy does not lapse.
How much life insurance do I need?
It depends on your income, debts, mortgage, and the people who rely on you. With the median DC home selling for $660,000, many homeowners start with their mortgage balance and add income replacement. Try the free calculator on my Coverage Calculator page for an estimate.
Is life insurance through my job enough?
It may help, but workplace coverage often doesn't move with you if you change jobs or retire, and the amount may not cover your mortgage and income needs. Many people add an individual policy they own.
Do I need to live near Richmond to work with you?
No. I'm based in the Richmond, Virginia area and work with families anywhere in the District by phone or video. I'm also licensed in Virginia, Maryland, and North Carolina.
Does it cost anything to work with you?
No. Reviews and quotes are free, and there is no obligation to buy. If you choose a policy, I'm paid by the insurance company you select.
What is the difference between a life insurance agent and a broker?
People often use the words interchangeably. A captive agent usually represents one insurance company. As an independent agent, I work with multiple carriers, so I can compare coverage and prices and help you choose.
Talk With a D.C. Life Insurance Broker
A free, no-pressure review is the easiest way to see what coverage fits your family and your budget. I work with D.C. families by phone or video, on your schedule.