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West Coast Life
About the Company
West Coast Life was founded in 1906. In 1997, West Coast Life became a member of the Protective Life Insurance Family. Since their merge, West Coast adopted Protective Life's five cardinal principles:
- Focus on the customer.
- Continuously improve.
- Equip, empower, and liberate people and trust their capability and willingness to improve.
- Concentrate on the long term, the whole process, and the team.
- Use statistical analysis to understand and continuously improve the process.
Term Life Insurance Products
West Coast Life offers two lines of term life insurance:
Focus Term Series
- The products offered under this line include Focus Term 10, Focus Term 15, Focus Term 20, Focus Term 25, Focus Term 30 term life insurance policies with Guaranteed Level Premiums.
- This series offers renewable and convertible features. You can either renew your term policy when it expires or convert it into a permanent policy if you wish.
- Initial level premiums for either 10, 15, 20, 25, or 30 years, depending on your policy.
- After the initial term, your premiums are subject to change on an annual basis.
- An Accelerated Death Benefit rider is available.
Golden Legacy Term (Survivor Life)
- This is a joint and last survivor term insurance policy that expires at joint attained age 95.
- The Golden Legacy Term policy terminates after the joint age 95, if the policy is still in force at the time.
- There is an accelerated death benefit available with this policy.
- Premiums are guaranteed level for the initial period then increase annually until age 85.
- You can convert your policy to a permanent policy without providing evidence of insurability.
West Coast Life Financial Ratings
A.M. Best: A+ (Superior)
Standard & Poor's: AA (Very Strong)
Moody's: Aa3
Fitch: AA-
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