West Coast Life Insurance Review [2021]

Our West Coast Life Insurance company review goes over the life insurance subsidy of Protective Life Insurance Company. Read this guide to find out West Coast Life insurance reviews and company ratings. The types of coverage offered at the West Coast Life Insurance Company include term, whole, and universal life insurance policies.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years' experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent

UPDATED: Jul 19, 2021

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West Coast Company Details  
Address343 Sansome St., San Francisco, CA
Phone Number415-591-8200
AM Best RatingA+
Insurance TypeLife and Health
Parent CompanyProtective Life Insurance Co.
States AvailableAL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
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When you’ve passed away, you want to make sure your family is secure. Life insurance is an important way to keep your loved ones above water as funeral expenses come in and the costs of daily life carry on. 

West Coast Life insurance, or Protective Life, is a nationwide life insurance provider that can help cover costs after a loved one passes. Protective Life offers term life insurance quotes and permanent life policies.

Keep reading to learn more about when and why you would need life insurance and for the reviews of West Coast life insurance. 

If you want to compare West Coast Life with others in your area, or even get life insurance quotes immediately, enter your ZIP code.

When was West Coast life insurance company founded? 

West Coast was acquired under the life insurance umbrella in 1997 as a subsidy of Protective Life Insurance. Prior to this, West Coast Life was a subsidy of Nationwide Corporation.

West Coast was sold for $257 million with annual revenue of about $150 million with more than $700 million in assets. 

Top 10 Life Insurance Companies by Market Share & Protective Life Market Share
RankCompaniesDirect Premiums WrittenMarket Share
2Northwestern Mutual$10,550,806,0006.5%
3New York Life$9,385,843,0005.8%
5Lincoln National$8,825,314,0005.4%
8John Hancock$4,657,312,0002.9%
9State Farm$4,636,147,0002.9%
20DAI-ICHI Life Holdings Inc Grp (Protective Life)$2,450,639,1101.41%
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Protective Life Insurance Company is the parent company of Protective Life and Annuity Insurance Company, West Coast Life Insurance Company, MONY Life Insurance Company, and Protective Property and Casualty Insurance Company.

Protective Life was started in Alabama in 1907.

First, let’s talk about Protective’s term life insurance. The ProtectiveClassic Choice Term life insurance plan is the most affordable option. It is a term life insurance, with periods from 10 to 40 years. Coverage can be between amounts from $100,000 to $50 million.

This plan has guaranteed rates, which means your premiums won’t change throughout the period, and it provides an income-tax-free death benefit to beneficiaries. This policy can be upgraded into a permanent policy if you’d like, but you will need to take a medical exam.

West Coast term life insurance also includes a terminal illness rider that allows for accelerated death benefits. Use your West Coast Life Insurance login to manage your plan and payments.

Other reasons to consider term life policies:

  • It’s simple. This offers fixed premiums for term life insurance that is easy to understand
  • It’s affordable. You know what to expect each month. Protective Life’s term life insurance rates typically well below averages.
  • Long coverage. You can choose a term life insurance policy that is between 10 to 40 years.

West Coast Life Insurance Company’s universal life insurance policies offer flexibility to policyholders. Universal life policies provide flexibility in your payments, in the use of cash value, and flexibility in the death benefit. It also offers:

  • Cash value growth
  • Tax-deferred growth on the cash value in your policy

Is a universal life insurance policy right for you?

  • It offers permanent, lifetime protection
  • You can build with tax-deferred cash value over time to help reach long-term financial goals

Whole life insurance offers the benefit of permanent protection as long as you maintain payments on time. And while payments may be higher than term life, whole life earns cash value at a set, fixed rate.

Whole life insurance policies also offer the ability for you to access your cash value through loans for future needs. But be aware that any unpaid loan will reduce the cash value and death benefit of the policy.

  • Level premium payments
  • Guaranteed death benefit coverage
  • Guaranteed cash value accumulation
  • Cash value grows tax-deferred
  • A fixed interest rate

Other factors to consider with whole life insurance:

  • Whole life insurance policies tend to be more expensive than other types of life insurance policies.
  • Your premiums and the value of your whole life insurance policy are not adjustable if your needs change.
  • Depending on your situation, you may not need this level of coverage for your entire life. This may lead you to overspend for coverage you don’t need.
  • Whole life insurance policies come with a surrender charge period, during which you would pay a penalty if you surrender your policy.
  • Your policy needs to reach a minimum value before loans are allowed.

Is whole life insurance right for you?

Go through this checklist to determine if whole life insurance is right for you:

  • Whole life insurance is good for people that need extended life insurance
  • Unlike other permanent life insurance policies, whole life will not have any potential for earning cash value over time.
  • A family history of health concerns might make it harder for you or a loved one to secure affordable life insurance coverage.
  • Whole life insurance covers funeral expenses and the costs to offset inheritance or estate taxes.

To see what third-party companies are saying, keep reading for company ratings below.

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What are West Coast life ratings?

The West Coast Life Insurance Company has excellent ratings from all the trusted third-party companies life A.M. Best and Moody’s. These ratings are signifiers of financial strength and customer satisfaction.

  • A.M. Best – A+
  • Standard & Poor’s – AA-
  • Fitch- A+
  • Moody’s – A1

West Coast Life Insurance Company is separate from its parent Protective Life. Protective Life has an agreement to contribute to West Coast under some financial situations.

What is Protective Life insurance rating?

Ratings from top insurance analyzers have found Protective Life’s financial strength ratings are superior — the second-highest of 15 ratings from A.M. Best.

It has a very strong (fourth-highest) of 21 ratings from Standard & Poor’s. A strong, or fifth-highest, of 22 ratings from Fitch, and A1 from Moody’s Investor Services.

Or if you prefer it again broken down:

  • A.M. Best – A+
  • Standard & Poor’s – AA-
  • Fitch- A+
  • Moody’s – A1

But, what are customers saying?

What are West Coast Life reviews?

Leave a West Coast Life Insurance company review or a Protective Life insurance review below to help others on the hunt for life insurance. You will find honest reviews from former customers.

See below for an example of life insurance policy rates to get an idea of where these reviewers are coming from.

Protective Term Life Insurance Average Monthly Rates for $500,000 and 10 Years
Policyholder Age & Tobacco UseAverage Monthly Rates
– Male
Average Monthly Rates
– Female
25-Year-Old Non-Smoker$13.94$11.97
35-Year-Old Non-Smoker$14.26$13.00
45-Year-Old Non-Smoker$28.26$24.65
55-Year-Old Non-Smoker$69.32$51.75
65-Year-Old Non-Smoker$196.38$122.58
25-Year-Old Smoker$76.93$65.45
35-Year-Old Smoker$83.73$70.98
45-Year-Old Smoker$215.05$153.00
55-Year-Old Smoker$436.05$337.88
65-Year-Old Smoker$1,083.75$766.70
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How to do your research

West Coast Life Insurance is a life and health insurance company that helps you cover your loved ones after you’re gone.

When you’re thinking about life insurance, think about what you’re going to need. Below are some questions to ask yourself:

  • Am I the head of household? Will I need to worry about income replacement?
  • Do I have any outstanding debts my family will have to pay for?
  • Did I put enough away?

On Protective’s website, which is the same as West Coast Life’s, you can use its free calculator to figure out what you need and what policy is right for you.

If you’re ready to buy life insurance but are unsure which life insurance company is for you, use our free tool to find affordable life insurance quotes near you by entering your ZIP code.

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