West Coast Life Insurance Review (Now Protective Life Insurance)
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Written by
Chris Huntley
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Reviewed by
Rachael Brennan
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UPDATED: Apr 15, 2022
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Table of Contents
What’s New in 2021 for West Coast Life Insurance
Your favorite brands and companies are looking forward to a brighter future and significant changes after a turbulent year. Here’s what’s new for West Coast Life Insurance in 2021.
How Has Covid-19 Affected West Coast Life Insurance?
Along with their parent company, Protective Life Corporation, West Coast Life Insurance has continued operating throughout the Covid-19 pandemic. Many of their employees can work from home, maintaining productivity levels.
As per their CEO’s recent statement, Protective Life and West Coast Life instituted a new Covid-19 Paid Leave Policy to assist employees who needed time off due to this unprecedented situation.
West Coast Life has instituted social distancing policies in their offices, frequent office sanitization, and guidelines for employee travel. Visitors are not allowed in the offices during the Covid-19 restrictions.
West Life has a robust online site to allow its customers and agents to continue doing business remotely and safely. Customers can file claims, manage their accounts, and make payments through their website and online portals.
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New Products or Changes
Protective Life Corporation, West Coast Life’s parent company, has acquired the Revolos companies, which provide a suite of insurance and finance products.
West Coast Life Insurance in the News
This year, Protective Life has finally completed its captive insurance companies’ merger into the Golden Gate Captive Insurance Company.
2021 Latest West Coast Life Insurance Reviews
Despite having received a below-average customer complaints rate, West Coast Life Insurance hasn’t received glowing reviews for their customer service this year.
Still, West Coast Life company has received only a minimal number of complaints, well below the average number. What’s more, they have also received an A+ in financial standing after undergoing scrupulous assessment in the past year.
Still, reviews posted on the Better Business Bureau chronicle miscommunications, paperwork mixups, and mishandling of confidential information. The customer service is reported to be slow, rude, and unhelpful, with representatives contradicting each other at times.
A policyholder reported that they had been trying to access an account for a year but had been unsuccessful, and customer support had not been able to assist them. Another customer on BBB reports the complications involved in updating their credit card information to make payments.
The reviews on Google corroborate with the poor customer service, although one customer did have a recent wonderful experience. He reports the customer service rep as being professional, courteous, helpful, and accommodating.
West Coast Life Insurance does have a website where clients can manage their accounts and pay their policies online, but some customers have been having trouble with the site.
There are also some reports of a lack of communication regarding increasing rates and policy changes without sufficient notice.
I’m an independent agent and therefore licensed with several life insurance companies, which I feel helps me to prepare an adequate West Coast Life Insurance Company review, since I can compare their products and underwriting to the other carriers I represent.
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My West Coast Life Ins Company Review
I’ve been contracted with West Coast Insurance Co for over 5 years now, and overall, I’m very happy with their pricing and, in my opinion, very lenient underwriting.
Through this article, you’ll see I prefer a no B.S. approach to my life insurance company reviews, simply telling you the pros and cons, without all the fluff.
But before I tell you more about my personal experience with them, let’s have a look at the company in general.
About WestCoast Life Insurance Company: Ratings and History
West Coast Life Ins Co originated in the city of San Francisco in California as ‘The Spirit of the West’ in 1906.
In 1997, Protective West Coast Life Insurance Company merged with another strong company, Protective Life to become part of the Protective Life Group.
West Coast Life Insurance Company has total assets of $2.5 billion, with net life insurance of $172 billion, in 2009.
Since then, the WestCoast Life Insurance Company and Protective product offerings and underwriting have been identical, but have kept their names separate.
It is rumored that soon West Coast Insurance Co will be doing business as Protective, and drop its name entirely.
RELATED: Check Sample Life Insurance Rates by Age (No Personal Info Required)
Products
One of the things I didn’t want to leave out of my West Coast Life Insurance Company review was that West Coast Insurance Company is still using a straight term product called their Secure T term product line.
It is available from 10 year to 30 year term lengths in 5-year increments and is sold in most states.
Many companies are transitioning to term/UL hybrid products, which are fine, but some individuals find them confusing.
I prefer to sell a simple term policy to someone who just needs a term.
They also have universal life products under their LifeTime Platinum III line designed to provide coverage all the way up to age 120 if needed.
Finally, their LifeTime Advantage Plus UL is similar to the UL just mentioned but offers the potential for cash value accumulation.
It helps solve a variety of personal and business financial planning needs since it has flexible coverage options.
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“Lenient” Underwriting at West Coast Life Ins Company
Time and time again, I have found West Coast Life Ins Company underwriters to be fair to my clients.
They routinely hold up their trial offers, when a quick quote has been given to me prior to application, and they seem to be most favorable on some of my tough heart cases, like individuals who have pacemakers or have had bypass surgery or a heart attack.
But the one place I really have to give props in my WestCoast Life Insurance Company review is to their liberal build charts.
Where an overweight or obese individual may be a substandard risk at many other companies, they may get a “standard” rate at West Coast Life Insurance Co!
RELATED: 5 Critical Tips You Must Know Before Buying Life Insurance
West Coast Life Insurance Quotes
We offer quotes from many insurance companies if you use the instant life insurance quote form on the right.
After having read my West Coast Life Insurance Company review, I hope you’ll look for them in the results and request an application, especially if you want a simple-to-understand term life insurance policy.
You can also call us for quotes at 888-603-2876.