West Coast Term Life Insurance Product Portfolio

In the mix and mire of which term life insurance carrier you should use or work with in obtaining this vastly important insurance there are few companies that stand out. West Coast Life is one of those few carriers that strive to deliver top notch products and customer service to their insureds and brokers. West Coast Life is a leading provider of Term Life Insurance to consumers in the country.  They have continually striven to bring affordable products to the market place, especially within their term life portfolio. 

West Coast Life Insurance Product Portfolio:

Term Life Insurance is the primary product we use from West Coast, they have a couple of different series within the product line:

• Focus Guaranteed Level Term Series
• Golden Legacy Term
• Income Replacement Term Series

Universal Life:

• LifeTime Advantage Plus
• LifeTime Platinum III
• Lifetime Platinum III Plus

We have worked with this Carrier for a number of years and we do find them to be a very high quality company to write business with and for customer service.  West Coast does not write business direct which means you will have to find an independent agent or life insurance broker to sell you a policy.  That will not be difficult you can actually call West Coast and they will send you to a local General Agency to try and help you with your insurance needs. 

In later post's I will get more in depth about the product and how to get the very best rates out of this or any other carrier. 



Technorati Tags: west coast life insurance, life insurance companies, term life insurance,

Related articles by Zemanta:

• Life Insurance for the Extreme Athlete
• Finding the Most Suitable Insurance Company

Other Substandard Term Life Insurance Articles

Great Article on Substandard Term Life Insurance and how to get the best quotes or rates from the carriers and your broker...

Underwriting Guide to Substandard Impaired Risk Term Life Insurance - Story | Get More Stories at Quizilla

Substandard Impaired Risk Life Insurance is an business term used to
characterize insureds that do not qualify for standard or better rate
classes. The insurance carriers have rate class parameters where they
underwrite then place the potential insured in, then the premiums are
calculated. So if you are a preferred or preferred best rate class then
your rates will be cheaper than someones who is a standard or
substandard rate class.

Diabetes Life Insurance
is a very common type of substandard life case. The key with this
health issue for the underwriters is they really like to see good
control and compliance of the health issues. Cancer probably is one of
the most common types of substandard impaired risk issues, in which the
underwriters will want to see a evidence of remission and no re
occurrence. With all the numerous health issues that could affect
underwriting make a note the more your agent knows up front the better
the underwriters can make a decision. The more information the better
and the quicker you should go through underwriting.
Smoker term life insurance plans get dinged up front for the tobacco use then if combined with other health issues the rate can come back even worse.

The role of Life Insurance in Tough Economc Times

It's an interesting thing that happens when the economic market goes down, sales of fixed and permanent life insurance seem to rise. Now I have no statistical proof of this, it's just based off what I have personally experienced. This is a great article from an advisor that seems to be doing a great job educating his clients.

clipped from carolinanewswire.com Raleigh Financial Adviser W. Landon Watts Believes Life Insurance is Crucial As job losses continue to mount—more than 72,000 in North Carolina between November 2007 and November 2008 according to the U.S. Bureau of Labor Statistics—people are facing increased debt and decreased value in assets such as homes, retirement plans and investment plans. This could lead to a large financial burden should the main income earner pass away. “The short-term savings that a family may gain by canceling a life insurance policy are nothing compared to the financial loss a family would incur if there was a premature death,” says Watts. “Also, the costs to purchase a new policy may increase significantly.” “Life insurance is often overlooked as the core of a solid financial plan,” says Watts. “Having a good policy in place will ensure that your family is protected financially, and it will provide them proper time to grieve and heal.”