West Coast Life Insurance Company

West Coast is now part of Protective Life Insurance Company. You’ll find additional info in our company reviews section.

West Coast Life was a great company to work with when they were still writing new coverage.

West Coast Life Overview

Well known for their affordable 20-year term life insurance and 30-year term life insurance rates.

West Coast Life was also very good at underwriting type 2 diabetes, prostate cancer, and elevated liver enzymes.

There are a number of other companies that specialize in underwriting health issues if you need new coverage.

Before you consider new coverage and underwriting…

You should take a look at the options available with your existing West Coast Life policy, including:

West Coast Term Life Conversions and End of Level Term Policy Options

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.

West Coast Life contact and bank information updates

If you need to change contact info, bank, etc.,

Please contact Protective Life directly at 800-866-9933 and they will help you make the necessary changes.

If you need to file a death claim for an existing policy, the number to call is 800-424-1592.

Would You Like A FREE Comparison to Your Existing West Coast policy?

West Coast Life Insurance Company was a great company to work with agents and consumers alike…

In fact, we wrote a lot of policies with West Coast Life Insurance Company.

If you have a policy with them, it’s still a great policy and company to work with.

We have found Protective Life to be a good company to work with, as they pay their claims in a timely manner.

What Happened to West Coast Life Insurance Company?

West Coast Life has been a subsidiary of Protective Life Insurance Company for many years.

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.

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?

If you still need life insurance, you have some options.

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

There are a number of great companies offering competitive term life insurance.

Companies like Banner Life, SBLI and Prudential are just a few of the companies we have.

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 your health has changed since the original policy was issued, new coverage may not be a good idea.

It may be better to look at the conversion options available with the existing policy.

West Coast Life Insurance Conversion Options:

Does your existing term life insurance policy offer a life insurance conversion privilege?

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

We can help you research the options available to you with your policy.

If you still have the policy, take a look at page 3 of the policy…

That is where you will usually find the conversion information for your policy.

You may have received a letter about your West Coast Life policy options available,

Including any conversion privilege that may exist.  

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.

Information Needed to Explore your West Coast Life Conversion Options

• Policy date – Located on page 3 of your policy.
• Policy Number – We’ll need this in order to confirm your policy conversion options available.
• Conversion Expiration Date – Typically located on page 3, telling you when this option expires.
• Underwriting Rate Class – Should also be on page 3, indicating what rate class you were originally approved at as this will be the underwriting rate class you will receive upon conversion.
• Face Amount of Coverage – What was the face amount of the original 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 on your existing policy.

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

Other Companies We Reviewed

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