Category: Company Reviews

West Coast Life Insurance Company (Don’t Miss Your Last Chance)

Your West Coast Life Insurance Company policy may still hold a lot of value, but you need to check it now before your conversion privilege ends!

West Coast Life Overview
Custom Life Insurance Quote for West Coast Life Policy Holders
West Coast Life Conversions and End of Level Term Policy Options
What Happened to West Coast Life Insurance Company?
Should I Replace My West Coast Life Insurance Policy?

West Coast Life Overview

If you’re visiting our site today, you’re probably trying to figure out what to do with your West Coast Life policy.

You may have received one of two letters from Protective Life Insurance Company (they own West Coast Life).

One letter that Protective Life sends out is to inform you that your level term period will be ending soon, while the other letter is to inform you that your conversion privilege (which could be valuable as we explain below) is about to expire.

Custom Life Insurance Quote for West Coast Life Policy Holders

Find out just how affordable life insurance can be.

- Step 1 of 9

Where do you live? *

What is your gender? *

Female
Male

When were you born? *//

Have you ever used tobacco/nicotine? *

When did you quit?

How often do you smoke cigars?

Celebratory (1-2 times per year)
Up to 12 times per year
Up to 24 times per year
Daily cigar smoker

Non-tobacco rates are available for all cigar smokers!

Do you have a medical marijuana prescription?

Why were you prescribed medical marijuana?

How often do you use marijuana?

How do you use marijuana?

Smoke
Vape
Edibles
Pills
Sprays or Topical
Tinctures

Check all that apply as rules may vary with some companies.

How much life insurance do you need? *

How long do you need coverage for? *

How tall are you? *

How much do you weigh? *

Do you participate in:

Private Aviation
Scuba Diving
Rock or Mountain Climbing

What type of pilot certificate do you have?

Student Pilot
Sport Pilot
Private Pilot
Commercial Pilot
Airline Transport Pilot

When did you obtain your pilot certificate?

Month and year

Do you have your Instrument Rating?

What is the Make and Model of the aircraft you fly?

Do you expect to change the aircraft you fly in the next 24 months?

Have you ever had any FAA violations?

How many total flying hours do you have?

How many hours did you have last year?

How many hours do you have year to date?

How many hours do you expect to have next year?

Have you ever been diagnosed with or treated for:

High Blood Pressure
Respiratory Problems
Heart Conditions
Mental or Nervous Disorder
Cancer History
Immune System Disorders
Gastrointestinal Problems
Brain - Stroke, Epilepsy
Endocrine Disorders
Drug and/or Alcohol Abuse
HIV Positive
Other Health History

What were you diagnosed with?

How is your medical condition treated?

Please list any surgeries, medications and dosages here. Include dates

What type of heart condition do you have?

Abdominal Aortic Aneurysm
Coronary Calcium Score
Abnormal EKG
Coronary Artery Disease
Angina
Heart Attack
Angioplasty
Heart Murmur
Aortic Stenosis
Heart Stents
Atrial Fibrillation
Heart Valve Surgery
Bundle Branch Blocks
NT-proBNP
Bypass Surgery
Pacemaker

When were you diagnosed with this heart condition?

Did you have Surgery?

What procedure did you have and what was the date of surgery?

Have you completed all treatment and follow-up tests?

Has any treatment/surgery been recommended that you have not completed yet?

What type of cancer were you diagnosed with?

Bladder Cancer
Prostate Cancer
Breast Cancer
Skin Cancer
Cervical Cancer
Testicular Cancer
Colon Cancer
Throat Cancer
Kidney Cancer
Thyroid Cancer
Lymphoma
Other

What type of cancer did you have?

When were you diagnosed with cancer? (month and year)

What type of breast cancer were you diagnosed with?

Ductal carcinoma insitu (DCIS)
Ductal carcinoma insitu (DCIS)
Invasive ductal carcinoma (IDC)
Invasive lobular carcinoma (ILC)
Triple negative breast cancer
Other

How was the breast cancer treated?

Surgery
Radiation
Chemotherapy
Other

What was the treatment?

Were surgical margins:

Positive
Negative
Close

What was the size of the tumor?

Were any lymph nodes positive? If yes, how many and where were they located?

Were breast cells hormone receptor:

Positive
Negative

What type(s) of skin cancer were you diagnosed with?

Basal Cell Carcinoma
Squamous Cell Carcinoma
Melanoma

What type of thyroid cancer were you diagnosed with?

What was the cancer stage?

In Situ
Stage 1
Stage 2
Stage 3
Stage 4

If you completed genetic testing, please indicate the test name and results here.

What was your PSA level at the time of diagnosis?

What was your Gleason score?

How was the cancer treated?

Active Surveillance
Surgery
Radiation
Chemotherapy
Other

Were surgical margins positive or negative?

Positive
Negative (or clear)

Please provide your PSA test result history since diagnosis

With active surveillance, we need the date and PSA result from each test since diagnosed.

Has there been any recurrence of cancer?

What were the start and stop dates of treatment?

What type of gastrointestinal condition were you diagnosed with?

Crohn's Disease
Elevated Liver Functions
Hepatitis
Ulcerative Colitis
Other

What was your date of diagnosis? (Month & Year)

When was your last flare-up or episode and how long did it last?

How many flare-ups/episodes have you had in the past 6 months?

How many flare-ups/episodes have you had in the past 12 months?

How many flare-ups/episodes have you had in the past 24 months?

How many flare-ups/episodes have you had in the past 5 years?

When was your last colonoscopy and what were the results?

What type of hepatitis were you diagnosed with?

Hepatitis A
Hepatitis B
Hepatitis C
Autoimmune Hepatitis

Have you had treatment to cure hepatitis C?

What are your most recent liver function test results

AST

ALT

ALP

Bilirubin

GGTP

Have you had an ultrasound or liver biopsy completed?

Was there any indication of:

Inflammation
Fibrosis
Cirrhosis
Fatty Liver

Do you drink alcohol?

What type of endocrine disorder do you have?

Addison's Disease
Diabetes
Metabolic Syndrome
Proteinuria
Thyroid Disease
Other

What type of diabetes were you diagnosed with?

Type 1
Type 2
Gestational

How do you control your diabetes?

What are your average lab results for:

HbA1c

Fasting Blood Glucose

Have you had any of these diabetes related complications:

Retinopathy
Neuropathy
Kidney Problems
History of insulin shock or diabetic coma
Surgery or amputation

How often do you visit your physician for checkups and labs

Every 3 months
Every 6 months
Every 12 months
Noncompliant or do not visit doctor

What was your CD4 level at the time of diagnosis?

What was your lowest ever recorded CD4?

Is your current viral load undetectable?

Was HIV acquired via blood transfusion or IV drug use?

Do you visit your physician every 3-6 months?

When were your last viral load and CD4 lab tests completed?

What type of respiratory condition do you have?

Asthma
Sleep Apnea
COPD

Is your asthma considered:

Mild
Moderate
Severe

How often do you have asthma attacks?

Have you been hospitalized for asthma attacks? If yes, how often and when?

What type of sleep apnea do you have?

Obstructive (most common)
Central
Complex

Is your sleep apnea considered:

Mild
Moderate
Severe

When was your last polysomnogram sleep study completed?

What was the Apnea Index (AI)?

What was the Apnea Hypopnea Index (AHI)?

What was the Respiratory Disturbance Index (RDI)?

What was the oxygen saturation percentage?

How is the sleep apnea being treated? (check all that apply)

CPAP, BiPap, VPAP
Oral Appliance
Neural Stimulation Device - Inspire
Surgery
Weight Loss

What condition were you diagnosed with?

Anxiety
Bipolar Disorder
Depression
Eating Disorders
Obsessive Compulsive Disorder
PTSD
Other Condition

How often do you visit with your physician or therapist?

Is your condition considered:

Mild
Moderate
Severe

Have you ever been hospitalized for this condition?

Please provide dates of hospitalization(s) and reason for visit.

Have you received disability benefits in the past 5 years?

Please provide dates and reason for receiving disability?

Were you diagnosed with:

Epilepsy
Multiple Sclerosis
Stroke or TIA
Other

What is your exact diagnosis?

What types of seizures have you had?

Focal Onset Seizures (aware seizures, impaired awareness)
Generalized Seizures (absence, myoclonic, tonic clonic)
Unknown Onset Seizures

How often do you have seizures?

When was your last seizure?

Have you been hospitalized for epilepsy? If yes, when?

Do you have any history of status epilepticus?

Have you had any mental deterioration or personality changes from epilepsy?

When was your last EEG, MRI, or CT scan completed?

What type of MS do you have?

Relapsing Remitting (RRMS)
Secondary Progressive MS (SPMS)
Primary Progressive MS (PPMS)
Clinically Isolated Syndrome

How many attacks per year do you have on average?

What was the date of your last episode?

What symptoms and complications do you have from MS?

Do you fully recover in between episodes?

Have you developed any cognitive impairments from MS?

Do you have a history of depression?

What types of tests have you had completed to monitor MS?

Blood tests
Spinal tap
MRI
Evoked potential tests

What are the approximate dates and results of your latest tests?

Did you have a stroke, TIA or both?

Stroke
TIA (mini-stroke)
Both

What caused the stroke or TIA?

Atrial fibrillation
Valve disorders
Heart attack
Carotid artery plaque
Unknown

Have you had any of the following symptoms?

Vision problems
Weakness or paralysis of limbs
Inability or trouble speaking
Dizziness
Other symptoms

Have you had surgery due to the stroke or TIA?

Do you attend AA, NA or other types of therapy?

How often do you attend meetings and/or therapy?

If no, why not?

Have you had any relapses?

What were the approximate dates of relapse, and subsequent treatment dates?

Do you take any medications?

Medication Details

Name *

First

Last

Email *

Phone *

There is never any pressure or obligation with RiskQuoter’s service.

West Coast Life Conversions and End of Level Term Policy Options

Life insurance companies would like nothing better than for you to let your conversion privilege expire unused. A conversion privilege allows you to exchange your term policy for a universal life policy without having to go through medical underwriting again!

Why would that be valuable to you?

If you developed a high-risk health condition since buying your policy, you can continue coverage by converting the policy as long as your conversion privilege hasn’t expired.

But, what if you don’t need the coverage anymore??

It may still be worth a look as you may have the ability to sell your policy via a life settlement that can put cash in your pocket.

As appointed agents for West Coast Life and Protective Life Insurance Company, we are able to show you the types of life insurance available for conversion before your level term life policy ends.

There’s no charge for us to put together your conversion options for you, in fact the insurance company will pay us to help you with this.

What Happened to West Coast Life Insurance Company?

West Coast Life has been a subsidiary of Protective Life Insurance Company for many years and consolidation in the life insurance industry is common.

A few years ago Protective Life decided to rebrand and move forward only offering the Protective Life Insurance Company brand.

Should I Replace My West Coast Life Insurance Policy?

There is no reason to change insurance companies simply because of the consolidation of the companies.

If your current policy with West Coast Life meets your needs, there’s no reason to trade it in for a new policy.

Remember that any new policy will be based on your current age, health, paramedical exam results, and medical records.

If you’ve had a change in health since the original policy was taken out, buying new insurance may not be a good strategy.

What Should I Do If My West Coast Life Term Period is Ending?

Do you still need life insurance?

If the answer is “yes”, the path you should take depends on your current health.

If you are in good health, you may shop for a new life insurance policy to replace the existing West Coast Life policy.

We have 40+ life insurance companies that offer competitive term life insurance and universal life insurance rates.

Assuming you will qualify for the same underwriting rate class as the original policy,

A new policy will most likely offer you the best pricing.

If you’ve had a significant change in health since your original policy was issued, it’s important to look at both new coverage options as well as any conversion privilege that may be available with your existing West Coast Life policy.

West Coast Life Insurance Conversion Options

West Coast Life was known for having good conversion options, in some cases up to age 75.

The 4 things you need to know in order to get conversion illustrations:

Your policy number
The conversion expiration date (or exchange date on some policies)
The underwriting rate class you were approved at
The face amount of coverage

You will typically find the above information on Page 3 of your policy.

We have access to the illustration software required to run conversion illustrations for you.

The benefits of conversion are that you do not have to go through life insurance underwriting again!

Converting your term life insurance policy is a simple process that does not require medical underwriting.

Something you may not have considered is that partial conversions are allowed too.

It may be a good idea to reevaluate your life insurance needs if you no longer need a policy as large as the original policy.

You may be able to convert some of that policy to a permanent life insurance policy quickly and easily.

We offer a hassle-free way to explore your conversion options.

We will obtain the illustrations you need in order to make an informed decision about your life insurance.

We’ll handle all the paperwork required should you decide to convert your policy.

West Coast Life Policy Options

If you still need life insurance and your existing West Coast Life policy is nearing the end of its level term period,

We’ll help you shop the marketplace for new coverage.

West Coast Life Policy Changes – We’ll show you how to complete changes to your existing policy.

Death Claims – We’ll point you in the right direction during this time.

Other Companies We Reviewed

American General Life Insurance Company Review – 2022 Updates
West Coast Life Insurance Company (Don’t Miss Your Last Chance)
New York Life Insurance Company Review for 2022
2022 Prudential Life Insurance Review
Illinois Mutual Life Insurance Review
Cincinnati Life Insurance Review
Gerber Life Insurance Review
Foresters Life Insurance Review
Fidelity Life Association Review
Allstate Life Insurance Company Review

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Custom Life Insurance Quote In less than 5 minutes!

- Step 1 of 9

Where do you live? *

What is your gender? *

Female
Male

When were you born? *//

Have you ever used tobacco/nicotine? *

When did you quit?

How often do you smoke cigars?

Celebratory (1-2 times per year)
Up to 12 times per year
Up to 24 times per year
Daily cigar smoker

Non-tobacco rates are available for all cigar smokers!

Do you have a medical marijuana prescription?

Why were you prescribed medical marijuana?

How often do you use marijuana?

How do you use marijuana?

Smoke
Vape
Edibles
Pills
Sprays or Topical
Tinctures

Check all that apply as rules may vary with some companies.

How much life insurance do you need? *

How long do you need coverage for? *

How tall are you? *

How much do you weigh? *

Do you participate in:

Private Aviation
Scuba Diving
Rock or Mountain Climbing

What type of pilot certificate do you have?

Student Pilot
Sport Pilot
Private Pilot
Commercial Pilot
Airline Transport Pilot

When did you obtain your pilot certificate?

Month and year

Do you have your Instrument Rating?

What is the Make and Model of the aircraft you fly?

Do you expect to change the aircraft you fly in the next 24 months?

Have you ever had any FAA violations?

How many total flying hours do you have?

How many hours did you have last year?

How many hours do you have year to date?

How many hours do you expect to have next year?

Have you ever been diagnosed with or treated for:

High Blood Pressure
Respiratory Problems
Heart Conditions
Mental or Nervous Disorder
Cancer History
Immune System Disorders
Gastrointestinal Problems
Brain - Stroke, Epilepsy
Endocrine Disorders
Drug and/or Alcohol Abuse
HIV Positive
Other Health History

What were you diagnosed with?

How is your medical condition treated?

Please list any surgeries, medications and dosages here. Include dates

What type of heart condition do you have?

Abdominal Aortic Aneurysm
Coronary Calcium Score
Abnormal EKG
Coronary Artery Disease
Angina
Heart Attack
Angioplasty
Heart Murmur
Aortic Stenosis
Heart Stents
Atrial Fibrillation
Heart Valve Surgery
Bundle Branch Blocks
NT-proBNP
Bypass Surgery
Pacemaker

When were you diagnosed with this heart condition?

Did you have Surgery?

What procedure did you have and what was the date of surgery?

Have you completed all treatment and follow-up tests?

Has any treatment/surgery been recommended that you have not completed yet?

What type of cancer were you diagnosed with?

Bladder Cancer
Prostate Cancer
Breast Cancer
Skin Cancer
Cervical Cancer
Testicular Cancer
Colon Cancer
Throat Cancer
Kidney Cancer
Thyroid Cancer
Lymphoma
Other

What type of cancer did you have?

When were you diagnosed with cancer? (month and year)

What type of breast cancer were you diagnosed with?

Ductal carcinoma insitu (DCIS)
Ductal carcinoma insitu (DCIS)
Invasive ductal carcinoma (IDC)
Invasive lobular carcinoma (ILC)
Triple negative breast cancer
Other

How was the breast cancer treated?

Surgery
Radiation
Chemotherapy
Other

What was the treatment?

Were surgical margins:

Positive
Negative
Close

What was the size of the tumor?

Were any lymph nodes positive? If yes, how many and where were they located?

Were breast cells hormone receptor:

Positive
Negative

What type(s) of skin cancer were you diagnosed with?

Basal Cell Carcinoma
Squamous Cell Carcinoma
Melanoma

What type of thyroid cancer were you diagnosed with?

What was the cancer stage?

In Situ
Stage 1
Stage 2
Stage 3
Stage 4

If you completed genetic testing, please indicate the test name and results here.

What was your PSA level at the time of diagnosis?

What was your Gleason score?

How was the cancer treated?

Active Surveillance
Surgery
Radiation
Chemotherapy
Other

Were surgical margins positive or negative?

Positive
Negative (or clear)

Please provide your PSA test result history since diagnosis

With active surveillance, we need the date and PSA result from each test since diagnosed.

Has there been any recurrence of cancer?

What were the start and stop dates of treatment?

What type of gastrointestinal condition were you diagnosed with?

Crohn's Disease
Elevated Liver Functions
Hepatitis
Ulcerative Colitis
Other

What was your date of diagnosis? (Month & Year)

When was your last flare-up or episode and how long did it last?

How many flare-ups/episodes have you had in the past 6 months?

How many flare-ups/episodes have you had in the past 12 months?

How many flare-ups/episodes have you had in the past 24 months?

How many flare-ups/episodes have you had in the past 5 years?

When was your last colonoscopy and what were the results?

What type of hepatitis were you diagnosed with?

Hepatitis A
Hepatitis B
Hepatitis C
Autoimmune Hepatitis

Have you had treatment to cure hepatitis C?

What are your most recent liver function test results

AST

ALT

ALP

Bilirubin

GGTP

Have you had an ultrasound or liver biopsy completed?

Was there any indication of:

Inflammation
Fibrosis
Cirrhosis
Fatty Liver

Do you drink alcohol?

What type of endocrine disorder do you have?

Addison's Disease
Diabetes
Metabolic Syndrome
Proteinuria
Thyroid Disease
Other

What type of diabetes were you diagnosed with?

Type 1
Type 2
Gestational

How do you control your diabetes?

What are your average lab results for:

HbA1c

Fasting Blood Glucose

Have you had any of these diabetes related complications:

Retinopathy
Neuropathy
Kidney Problems
History of insulin shock or diabetic coma
Surgery or amputation

How often do you visit your physician for checkups and labs

Every 3 months
Every 6 months
Every 12 months
Noncompliant or do not visit doctor

What was your CD4 level at the time of diagnosis?

What was your lowest ever recorded CD4?

Is your current viral load undetectable?

Was HIV acquired via blood transfusion or IV drug use?

Do you visit your physician every 3-6 months?

When were your last viral load and CD4 lab tests completed?

What type of respiratory condition do you have?

Asthma
Sleep Apnea
COPD

Is your asthma considered:

Mild
Moderate
Severe

How often do you have asthma attacks?

Have you been hospitalized for asthma attacks? If yes, how often and when?

What type of sleep apnea do you have?

Obstructive (most common)
Central
Complex

Is your sleep apnea considered:

Mild
Moderate
Severe

When was your last polysomnogram sleep study completed?

What was the Apnea Index (AI)?

What was the Apnea Hypopnea Index (AHI)?

What was the Respiratory Disturbance Index (RDI)?

What was the oxygen saturation percentage?

How is the sleep apnea being treated? (check all that apply)

CPAP, BiPap, VPAP
Oral Appliance
Neural Stimulation Device - Inspire
Surgery
Weight Loss

What condition were you diagnosed with?

Anxiety
Bipolar Disorder
Depression
Eating Disorders
Obsessive Compulsive Disorder
PTSD
Other Condition

How often do you visit with your physician or therapist?

Is your condition considered:

Mild
Moderate
Severe

Have you ever been hospitalized for this condition?

Please provide dates of hospitalization(s) and reason for visit.

Have you received disability benefits in the past 5 years?

Please provide dates and reason for receiving disability?

Were you diagnosed with:

Epilepsy
Multiple Sclerosis
Stroke or TIA
Other

What is your exact diagnosis?

What types of seizures have you had?

Focal Onset Seizures (aware seizures, impaired awareness)
Generalized Seizures (absence, myoclonic, tonic clonic)
Unknown Onset Seizures

How often do you have seizures?

When was your last seizure?

Have you been hospitalized for epilepsy? If yes, when?

Do you have any history of status epilepticus?

Have you had any mental deterioration or personality changes from epilepsy?

When was your last EEG, MRI, or CT scan completed?

What type of MS do you have?

Relapsing Remitting (RRMS)
Secondary Progressive MS (SPMS)
Primary Progressive MS (PPMS)
Clinically Isolated Syndrome

How many attacks per year do you have on average?

What was the date of your last episode?

What symptoms and complications do you have from MS?

Do you fully recover in between episodes?

Have you developed any cognitive impairments from MS?

Do you have a history of depression?

What types of tests have you had completed to monitor MS?

Blood tests
Spinal tap
MRI
Evoked potential tests

What are the approximate dates and results of your latest tests?

Did you have a stroke, TIA or both?

Stroke
TIA (mini-stroke)
Both

What caused the stroke or TIA?

Atrial fibrillation
Valve disorders
Heart attack
Carotid artery plaque
Unknown

Have you had any of the following symptoms?

Vision problems
Weakness or paralysis of limbs
Inability or trouble speaking
Dizziness
Other symptoms

Have you had surgery due to the stroke or TIA?

Do you attend AA, NA or other types of therapy?

How often do you attend meetings and/or therapy?

If no, why not?

Have you had any relapses?

What were the approximate dates of relapse, and subsequent treatment dates?

Do you take any medications?

Medication Details

Name *

First

Last

Email *

Phone *

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Meet the Author - Michael Horbal

That’s me to the left. I’m the founder and owner of RiskQuoter. I hate the fact that many people pay too much for life insurance because they end up with the wrong life insurance company, agent or both.

That’s why I started RiskQuoter.

We’re here to help you get the best life insurance rates available.

There’s never any pressure or obligation with my life insurance service. Get the information you need to make an informed decision for yourself.

Learn More