Now part of Protective Life Insurance Company.
West Coast Life was a great company to work with when they were still writing new coverage. They were well known for their low-cost affordable life insurance rates, and we used them many times for niche underwriting areas such as type 2 diabetes, prostate cancer cases for older insureds, and elevated liver enzymes.
If you purchased your original policy through West Coast Life due to one of these conditions, the good news is that there are a number of other companies available that also specialize in underwriting health issues. We work with the best life insurance companies to provide you with great choices.
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 help you with all of your conversion and end of level term life insurance options.
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 for 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, and they pay their claims in a timely manner from our experience.
What Happened to West Coast Life Insurance Company?
West Coast Life has been a subsidiary of Protective Life Insurance Company for many years but operated as its own company. Consolidation in the life insurance industry is common, and a few years ago Protective Life decided to rebrand and move forward only offering the Protective Life Insurance Company brand going forward.
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, and underwriting. 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. 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, and it will be worth a 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 available, in some cases up to age 75 with some of their policies. Generally speaking, the conversion options available would equal the level term period for many but not all West Coast Life 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 underwriting again! Converting your term life insurance policy is a simple process that does not require underwriting, a paramed exam or eight weeks of underwriting.
Something you may not have considered is that partial conversions are allowed too. 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, and 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 – Will typically be 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.
If you have health issues, it is important that we know about those health issues in order to provide you with the most accurate term life insurance quotes possible.