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West Coast Life Insurance Company | Protective Life Insurance


West Coast Life was founded in 1906 and merged with Protective Life in 1997.  The two companies have over 200 years of combined life insurance sales, and continue bringing innovative new products to the marketplace.  West Coast Life is one of the most aggressive life insurance companies when it comes to underwriting, specializing in high risk life insurance and life insurance for former smokers.   Some of their special provisions include:

  • Individuals who have quit smoking for over one year can qualify for Preferred Non-Smoker rates
  • Liberal guidelines for height/weight profiles, offering Standard rates when other companies may require an extra premium (called a Table Rating)
  • Consideration for Standard rates on universal life insurance policies for people who may otherwise only qualify for rates that include an extra premium (Table Rating)


The products currently offered by West Coast Life include the following:

Focus Term – A term life insurance policy with death benefits and premiums fixed and guaranteed for your choice of 10, 15, 20, 25, or 30 years.  

Lifetime Platinum III – A universal life insurance policy with death benefits and premiums fixed and guaranteed to age 121.  This product can also be structured to guarantee death benefits to any other age that you choose for a lower premium (e.g. to age 80, 85, 90, 95, etc.)

Lifetime Platinum III Plus – Similar to the Lifetime Platinum III, but offers a larger cash value accumulation and requires a higher premium.

Lifetime Advantage Plus UL – A universal life insurance policy with flexible premiums that includes a no-lapse guarantee for either 10 or 15 years (depending on age).  May offer greater cash value accumulation than Lifetime Platinum III, but does not include a death benefit guaranteed for life.

Golden Legacy Protector X – A survivorship universal life insurance policy with death benefits and premiums fixed and guaranteed to age 121.  Two people are insured under a single policy (joint life insurance) and the death benefit is only paid upon the second death.  An extremely competitive product for use with estate planning life insurance and/or an irrevocable life insurance trust.

Golden Legacy Term – A survivorship life insurance policy that pays a benefit upon the second death.  Similar to the Golden Legacy Protector X, but is a term insurance policy that is guaranteed for your choice of 10, 20, or 30 years.  Can be converted to a permanent insurance policy.

To get an instant life insurance quote for West Coast Life, or to compare West Coast Life to other companies, please click on the banner below and fill out the short form.  You will have a quote in less than 30 seconds!  You can also give us a call at 1-800-571-2980, or e-mail us at This e-mail address is being protected from spambots. You need JavaScript enabled to view it .


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