West Coast Life Insurance

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West Coast Life Insurance is a member of the Protective Life Insurance Co. Claiming an excellent reputation based on quality service, innovation and a quick response time, West Coast Life is dedicated to continued improvement in their products and services.

West Coast Life offers three types of life insurance policies: term, universal and survivor. Survivor life insurance policies usually cover two people and are typical in estate planning. A survivor life policy pays out when the last of the two people passes. West Coast Life offers two separate packages under this policy. The company also offers three different levels of term life insurance, which are renewable up to age 100.

West Coast Life's innovation is demonstrated through its universal life insurance policies. Also offered in three different packages, universal life insurance offers protection as long as the minimum premium is paid. West Coast Life is unique because it was one of the first companies to offer universal life policies that accumulate a cash value that can be borrowed against in case of emergency.

West Coast History

West Coast Life's history embodies the company's slogan, "The Spirit of the West." The company was founded by a small group of businessmen in San Francisco in 1906 and was one of the first insurance companies in the West. In 1912, the company opened the first general insurance agency in Hawaii, in Honolulu. Throughout the beginning of the century, West Coast Life slowly expanded throughout the West and was the first American life insurance company to open in China and Hong Kong. Since WWII, the company has seen many mergers and acquisitions, helping its Far East expansion. In 1997, West Coast Life joined the Protective Life Insurance family, and marketing efforts are now focused in the United States.

Ratings

West Coast Life scores highly with independent rating agencies. The four main agencies, A.M. Best, Fitch's, Standard and Poor's and Moody's give the company a rating of "A+," "A+," "AA," and an "A1," respectively.