West Coast Life Review & Ratings
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Written by
Jeffrey Johnson
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UPDATED: Feb 18, 2021
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S&P rating: AA (very strong)Moody’s rating: Aa3 (4th highest of 21)Fitch rating: AA- (very strong)(See listing for Protective Life for more financial information)
Company Overview:
Company History:
West Coast Life was founded in 1906 in San Francisco, just 16 days before the great earthquake and fire. Within two weeks, business had resumed, including an offer to the city for the first reconstruction loan to rebuild. By the end of 1906, West Coast Life reported over $1,000,000 of life insurance in force and over $225,000 in assets.
Principle Sales Methods:
Career and independent agents and brokers.
Life Annuity Business:
West Coast Life sells Term, Universal, and Survivor Life insurance, plus Index and Fixed Annuity plans.
Reliable company. Wonder if unsatisfied did their part and read & understood policy before signing
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This company, West Coast Life, does not mail us renewal notices despite having to call for them every year. They insist that they are mailed but we never get them. Then they pressure you to pay by phone. Just one of the ways sneaky insurance companies get you to drop your policy or they drop you for non payment when they dont send a bill.
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The customer service department does not appear to be very responsive and provided the wrong information as to which forms to file and how to fill them out. The result is that it took three tries (wrong forms) and three months (slow or no response) to do a simple change of beneficiaries. Then, the manager in the customer service department seemed to imply that they had done everything right…
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This company is terrible. They cheat and lie about everything. Look at their BBB rating. For 2011 the received an F. They have been around since the early 2900s and think they don[t have to provide service, equity, or payment of benefits. Stay away from them. They do not care.
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West Coast Life Insurance has really bad complaint records. They do not pay legitimate claims. Just look at their complaint records in California. They were ranked 37th in 2009 by the State of California. The Better Business Bureau in San Francisco gave them a rating of “F”.
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Bait and switch tactics. Unethical premium structure. Caveat Emptor especially if you are a senior citizen
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in a lawsuit now
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