West Coast Life Insurance Company: Customer Ratings & Reviews [2024]
West Coast Life Insurance Company, a seasoned provider with over a century of service, offers a diverse range of life insurance policies featuring affordable premiums, flexible options, and a notable customer satisfaction rating.
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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West Coast Life Insurance Company
Average Monthly Rate For Good Drivers
$92A.M. Best Rating:
A+ (Superior)Complaint Level:
LowPros
- Offers a variety of life insurance policies
- Provides affordable premiums and flexible policy options
- Offers several discounts to help customers save money
- Has high customer satisfaction ratings
- Has been in business for over 100 years
Cons
- Some customers have experienced delays in claim processing or difficulty contacting customer service, according to the article.
West Coast Life Insurance Company, a company that offers a variety of life insurance policies with affordable premiums and flexible policy options. The company has been in business for over 100 years and has a high customer satisfaction rating, according to the article. Customers can qualify for discounts to help them save money.
However, some customers have experienced delays in claim processing or difficulty contacting customer service. Overall, West Coast Life Insurance Company appears to be a reputable insurance provider with a long history of serving customers.
What You Should Know About West Coast Life Insurance Company
Company Contact Information:
- Phone: 1-800-366-9378
- Website: https://www.westcoastlife.com/contact-us
Related Parent or Child Companies:
- West Coast Life Insurance Company is a subsidiary of Protective Life Corporation.
Financial Ratings:
- A.M. Best rating: A+ (Superior)
- Moody’s rating: A1
- Fitch rating: A+
Customer Service Ratings:
- Some customers have experienced difficulty contacting customer service, but the company has a high overall customer satisfaction rating.
Claims Information:
- Some customers have experienced delays in claim processing.
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West Coast Life Insurance Company Insurance Coverage Options
West Coast Life Insurance Company offers a range of life insurance policies to meet the needs of its customers. The coverage options offered by the company include:
- Term life insurance: Provides coverage for a specified term or period of time.
- Whole life insurance: Provides permanent coverage for the entire life of the insured, as long as premiums are paid.
- Universal life insurance: Provides flexible coverage with the ability to adjust premiums and death benefits over time.
- Indexed universal life insurance: Similar to universal life insurance, but with the ability to earn interest based on the performance of a stock market index.
- Variable universal life insurance: Similar to universal life insurance, but with the ability to invest premiums in a variety of investment options.
Note that the availability and details of each coverage option may vary by state. Customers should contact West Coast Life Insurance Company for more information about the coverage options available to them.
West Coast Life Insurance Company Insurance Rates Breakdown
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| Driver Profile | West Coast | National Average |
|---|---|---|
| Clean Record | $92 | $119 |
| 1+ Ticket | $117 | $147 |
| 1+ Accident | $133 | $173 |
| DUI | $158 | $209 |
| Poor Credit | $158 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
West Coast Life Insurance Company Discounts Available
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| Discounts | West Coast |
|---|---|
| Anti Theft | 12% |
| Good Student | 18% |
| Low Mileage | 13% |
| Paperless | 12% |
| Safe Driver | 19% |
| Senior Driver | 12% |
West Coast Life Insurance Company offers several discounts to help customers save money on their life insurance policies. These discounts include:
- Multi-policy discount: Customers who have multiple policies with West Coast Life Insurance Company can receive a discount on their life insurance policy.
- Safe driver discount: Customers who have a clean driving record may be eligible for a safe driver discount.
- Non-smoker discount: Customers who do not use tobacco products may be eligible for a non-smoker discount.
- Healthy lifestyle discount: Customers who have a healthy lifestyle and meet certain criteria may be eligible for a discount on their life insurance policy.
- Group discount: Customers who are part of a qualifying group or organization may be eligible for a discount on their life insurance policy.
Note that the availability and amount of discounts may vary depending on the state and policy type. Customers should contact West Coast Life Insurance Company for more information about the discounts available to them.
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How West Coast Life Insurance Company Ranks Among Providers
The company is likely to face competition from other major players in the industry, such as:
- Prudential Financial
- MetLife
- Northwestern Mutual
- New York Life
- State Farm Life Insurance
- Allstate Life Insurance
These companies offer a range of life insurance products and services, and compete with West Coast Life Insurance Company in terms of pricing, coverage options, customer service, and reputation. However, it’s worth noting that each company may have its own unique strengths and weaknesses, and customers should compare multiple providers to find the one that best meets their individual needs.
Read more: Allstate Life Insurance Company of New York: Customer Ratings & Reviews
Frequently Asked Questions
What is West Coast Life Insurance?
West Coast Life Insurance refers to the life insurance products and services offered by West Coast Life Insurance Company, a reputable insurance provider. West Coast Life Insurance Company offers a range of life insurance policies to individuals and families to help protect their financial future and provide for their loved ones in the event of death or critical illness.
What types of life insurance does West Coast Life Insurance offer?
West Coast Life Insurance offers various types of life insurance coverage, including:
- Term Life Insurance: This type of policy provides coverage for a specific term, typically 10, 20, or 30 years. It pays out a death benefit to the beneficiaries if the insured passes away during the policy term.
- Whole Life Insurance: West Coast Life Insurance offers whole life insurance policies that provide lifelong coverage. These policies typically include a cash value component that grows over time and can be accessed by the policyholder.
- Universal Life Insurance: Universal life insurance policies offer flexible coverage and premium options. They combine a death benefit with a cash value component that can accumulate over time based on policy performance and market conditions.
Does West Coast Life Insurance Company offer discounts?
Yes, West Coast Life Insurance Company offers several discounts, such as multi-policy, safe driver, and good health discounts.
How can I obtain a quote or apply for West Coast Life Insurance?
To obtain a quote or apply for West Coast Life Insurance, you can follow these general steps:
- Assess your life insurance needs: Determine the amount of coverage you require based on factors such as your financial obligations, income replacement needs, outstanding debts, and future financial goals.
- Contact West Coast Life Insurance: Reach out to West Coast Life Insurance directly or connect with their authorized agents. Express your interest in obtaining a life insurance quote or policy.
- Consultation and assessment: A West Coast Life Insurance agent will guide you through the process. They will ask specific questions to assess your insurance needs and provide recommendations on suitable coverage options.
- Underwriting and pricing: West Coast Life Insurance will evaluate your application and underwrite the policy based on factors such as your age, health, lifestyle, and coverage amount. They will determine the premium cost based on the risk factors associated with insuring you.
- Policy issuance: If you accept the proposed terms and pricing, West Coast Life Insurance will issue your life insurance policy. Carefully review the policy documentation, terms, conditions, and coverage details. Make any necessary payments to activate the coverage.
How can I contact West Coast Life Insurance for customer service or assistance with life insurance?
To contact West Coast Life Insurance for customer service or assistance with life insurance, you can use the following contact information:
- Phone: Call the West Coast Life Insurance customer service hotline or the dedicated life insurance contact number provided on their website.
- Website: Visit the West Coast Life Insurance official website and look for specific sections or contact information related to life insurance. There may be online forms or tools available to request assistance or submit inquiries.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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