Jeffrey Manola is an experienced life insurance agent and the founder of Top Quote Life Insurance. His mission when he created Top Quote Life Insurance was to provide online consumers searching for life insurance with the absolute best quotes for term life insurance, permanent life insurance, no medical exam life insurance, and burial insurance. Not only does he strive to provide you with the ...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insur...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Jan 23, 2021

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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different life insurance companies please enter your ZIP code on this page 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 life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

The Truth in a Nutshell

  • West Coast Life Insurance is part of Protective Life.
  • West Coast offers competitive rates on term life insurance, whole life insurance, and universal life insurance.
  • West Coast is rated well with A.M. Best but has low ratings from consumers according to the Better Business Bureau.

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. Not only will life insurance cover final expenses, but it can provide substantial support to make up for lost income or just to ease the transition into life without a loved one.

West Coast Life Insurance became part of Protective Life through acquisition in 1997. Protective Life offers term life insurance quotes and whole life policies.

Keep reading to learn more about when and why you would need life insurance and the reviews of West Coast Life Insurance company, now a subsidiary of Protective Life.

If you want to compare Protective Life with other insurance providers in your area, enter your ZIP code to get West Coast Life Insurance quotes and other quotes for companies that provide insurance where you live.

West Coast Life Insurance Company

West Coast was acquired in 1997 as a subsidiary of Protective Life Insurance. Prior to this, West Coast Life was a subsidiary of Nationwide Corporation. West Coast was sold for $257 million with annual revenue of about $150 million and has more than $700 million in assets. Protective Life is a major name in the insurance world.

It is in the top 20 companies with the most market share. 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.

There are several types of life insurance customers can purchase: term, whole, and universal. These are both renewable and permanent life insurance.

The Protective Classic Choice Term life insurance plan is the most affordable West Coast life insurance option. It is 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.

Other reasons to consider term life insurance:

  • 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 fall well below averages.
  • Long coverage. You can choose a term life insurance policy that is between 10 and 40 years.

West Coast Life Insurance Company’s universal life insurance policies offer flexibility to policyholders. Universal life insurance provides 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 coverage.
  • Whole life insurance covers funeral expenses and the costs to offset inheritance or estate taxes.

See what third-party companies are saying. Keep reading for company ratings below.

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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.

Protective Life Insurance Ratings

Ratings from top insurance analyzers have found that Protective Life’s financial strength ratings are superior or the second-highest of 15 ratings from A.M. Best. It has a very strong or 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

This puts Protective Life among the top 25 highest rated life insurance companies according to A.M. Best.

List of the Top 25 Life Insurance Companies in the U.S.
Life Insurance CompanyA.M. Best RatingNo Medical Exam Option
Banner LifeA+Yes
Cincinnati LifeANo
Gerber LifeAYes
John HancockA+Yes
Lincoln FinancialA+Yes
MetLife (Brighthouse)A+No
Midland NationalA+No
Minnesota LifeA+Yes
Mutual of OmahaA+Yes
North American CompanyA+No
Pacific LifeA+Yes
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But what are customers saying?

West Coast Life Reviews

West Coast Life doesn’t have the best reviews. According to the Better Business Bureau (BBB), customers only rate it a 1.29 on a five-star rating scale. West Coast Life also has over 48 complaints in just the last year. 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 – $500,000/10 Years
Policyholder Age & Tobacco UseAverage Monthly Rates
Average Monthly Rates
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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If you think you have all the information you need, scroll down to get a free quote.

Making a Decision

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.

Some questions to ask yourself are, if you’re the head of the household, what outstanding debts do you have, and how much savings do you have? On Protective’s website, which is the same as West Coast Life’s, you can use their free calculator to figure out what you need and what policy is right for you.

If you’re not sure you want to go with West Coast/Protective, use our free tool to compare life insurance company rates near you by entering your ZIP code.