Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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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: Apr 13, 2021

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Company Details
Address: PO Box 12687
City: Birmingham
State: AL
ZIP Code: 35202
Phone Number: (800) 866-9933
Year Founded: 1906
AM Best Rating: A+
Company Rating 0 (0 reviews)

West Coast Life Insurance is a subsidiary of Protective, a company that offers insurance, annuities, and other financial products and services.

Our West Coast Life Insurance review will cover their life insurance products, rates, industry ratings, and more. Read more below to find out if West Coast Life Insurance and Protective are right for you.

Before you jump into this West Coast life insurance review, enter your ZIP code into our free quote comparison tool above to compare life insurance quotes from companies in your area.

Who is West Coast Life Insurance?

West Coast Life Insurance Company was founded in 1906 in San Francisco. It has since merged with Protective Life to become part of the Protective Life Group.

Protective 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.

They have also acquired business from many other insurance companies throughout the years. As of 2010, Protective had $427 billion in force.

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What products do they offer?

West Coast Life Insurance Company and Protective offer term life insurance, whole life insurance, and universal life insurance.

Term Life Insurance

Term life insurance is a type of insurance that lasts for a set amount of time at a set premium. West Coast Life Insurance offers terms ranging from 10 to 40 years.

They have a wide coverage range between $100,000 and $50 million. You also have the option of converting your term policy to a permanent policy without getting another medical exam.

Whole Life Insurance

Whole life insurance is a type of permanent life insurance that accumulates cash value. As long as you pay your premiums, your death benefits and cash value are guaranteed.

You can borrow against the cash value of your policy through loans as needed, but this may decrease the amount of your death benefit if you don’t pay it back before your death.

It is also generally more expensive than term life insurance.

Universal Life Insurance

Universal life insurance is another type of permanent life insurance policy. However, it offers a lot more flexibility than whole life insurance.

These policies also accumulate cash value, which you can use toward your premium payments, essentially letting you choose how much you’ll pay out-of-pocket.

If you choose to purchase a variable or indexed universal life insurance policy, your death benefit will be tied to the interest rates of either an investment or index. This can offer growth potential but can also be risky.

How much is West Coast’s life insurance?

According to the Protective website, West Coast Life Insurance rates are up to 48 percent less than other companies’ rates. Let’s take a look at West Coast Life Insurance term life insurance rates to see what you might pay.

The profile we used was for a male and female living in California who have never smoked, are average height and weight, and are in good health. Their coverage amount is $250,000.

West Coast Life Insurance Company Term Life Insurance Rates by Age and Gender
Age and Gender10-Year Term Average Monthly Rates15-Year Term Average Monthly Rates20-Year Term Average Monthly Rates30-Year Term Average Monthly Rates
20-Year-Old Female$14.32$15.81$17.49$24.75
20-Year Old Male$16.64$18.23$21.43$32.50
30-Year-Old Female$14.55$15.98$18.06$26.48
30-Year-Old Male$16.71$18.64$21.58$33.56
40-Year-Old Female$18.67$22.68$26.42$41.11
40-Year-Old Male$21.46$25.57$31.07$52.81
50-Year-Old Female$35.47$42.97$54.88$90.13
50-Year-Old Male$44.42$55.67$71.89$127.64
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These are the average monthly rates for males needing $250,000 in term life insurance coverage.

$250,000 Term Life Policy Average Monthly Rates for Men
Age10 Year Term Average Monthly Rates ($250,000 Policy)15 Year Term Average Monthly Rates ($250,000 Policy)20 Year Term Average Monthly Rates ($250,000 Policy)30 Year Term Average Monthly Rates ($250,000 Policy)
Age 20$9.62$10.51$12.97$18.49
Age 30$9.62$10.51$13.22$20.39
Age 40$11.71$12.97$17.91$30.40
Age 50$23.80$32.85$41.94$72.41
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These are the average monthly rates for females needing $250,000 in term life insurance coverage.

$250,000 Term Life Policy Average Monthly Rates for Women
Age10 Year Term Average Monthly Rates ($250,000 Policy)15 Year Term Average Monthly Rates ($250,000 Policy)20 Year Term Average Monthly Rates ($250,000 Policy)30 Year Term Average Monthly Rates ($250,000 Policy)
Age 20$8.79$9.89$11.78$15.48
Age 30$8.79$10.10$11.95$17.43
Age 40$10.87$12.56$15.44$25.36
Age 50$20.46$24.06$31.65$54.47
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According to our data, West Coast’s claim that they offer cheaper rates isn’t necessarily true. The quotes we received online are rather significantly higher than the average monthly term life insurance rates.

How is the company rated?

Protective Life Insurance Company has an A+ rating from the BBB. West Coast Life Insurance Company has an A+ rating from A.M. Best, which means that the company has an excellent ability to meet its financial obligations, such as paying claims.

West Coast’s NAIC complaint index is at 0.44, which is far below the national average of 1.00. This means that the company gets fewer customer complaints than other companies of a similar size.

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How can I get a quote or file a claim?

West Coast life insurance quotes for term life insurance are available on their website (www.protective.com). For quotes for their other products, you’ll need to call (844) 733-5433.

According to III, to file a claim, you can use the online claims form or call Protective at (800) 424-1592. You will need to provide personal information for both you and the deceased. You will receive a claims packet in the mail and will need to return forms and documentation before receiving your benefit.

How can I contact West Coast Life Insurance?

The West Coast Life Insurance website is www.protective.com. You can use your West Coast Life Insurance login to update your contact information, view and update your policy, make payments, and add beneficiaries.

West Coast Life Insurance customers can contact Protective by calling (800) 866-9933, emailing [email protected], or sending mail to PO Box 12687, Birmingham, AL 35202.

Should I buy West Coast life insurance?

West Coast Life Insurance Company may be a good choice for those looking for simple term life insurance policies. Most companies offer terms up to 30 years, so their 40-year term option is unique.

However, there is some speculation that West Coast Life Insurance will be selling strictly under the name Protective soon. And, if you’re looking for whole or universal life insurance, you may have to go through one of Protective’s other subsidiaries.

The company has a very good NAIC complaint index, so customers seem to be happy. However, you may be able to find cheaper rates from another company.

Now that you’ve finished this West Coast life insurance review, if you need help finding affordable life insurance, enter your ZIP code into our free quote comparison tool below.