Notes

Choosing a West Coast Life Insurance Company
West Coast Life Insurance Company's unique approach to its clients and policyholders is reflected in its award-winning policy offerings, its reputation for helping clients develop a plan that provides a comprehensive coverage and a wide range of benefits, and its continued growth in the insurance industry. As West Coast Life Insurance quickly approaches its 100th year since its inception, it boasts over $170 million of life insurance on hand, over 40,000 policyholders, and several contracts with more than 400 independent Insurance Brokerages.

West Coast Life Insurance offers a wide range of policies designed to meet all of your life needs. From term life plans designed to provide you coverage until you reach retirement age, to whole life plans that will pay out to the person who makes your policy payment for the life of your policy, you are sure to find the best plan to fit your needs. You may be interested in these four popular coverage categories:

Comprehensive Coverage

With comprehensive coverage, the goal of a West Coast Life insurance policy is to provide you with the protection you need to handle your entire life. With comprehensive coverage, you have both immediate benefits and long-term financial protection for expenses such as medical expenses, funeral costs, disability benefits, and the purchase of a new home or an inheritance.

Whole Life Plans

Whole life policies are sometimes known as "endowment policies." This type of policy was once considered a "no brainer," but now you need to consider how much money you are able to invest in your future. Whole life plans typically include the purchase of a property, life insurance for the life of the policyholder, as well as health care benefits to cover medical costs if any of the policyholder's family members die.

Multi-Policy Discounts

If you do not have a group of family or friends who all have a policy from a similar life insurance company, consider buying your own policy. With multi-policy discounts, you can get a group discount on your policy that means your premiums will be lower when compared to purchasing insurance for just one or two people. A high level of multi-policy discounts may save you hundreds of dollars over your lifetime insurance premium.

Term Life Insurance

A term life policy is intended to provide coverage for a specific period of time. Typically a term policy lasts anywhere from one year to twenty years. While this length of time is typically shorter than other types of policies, it can provide peace of mind for those who are nearing the end of their lives.

With term insurance, you have the ability to have the insurance policy pay out for a variety of things, such as burial expenses, home improvements, education, and healthcare costs for the policyholder's dependent children, and even travel expenses, if the policyholder passes away during the term of the policy. You will also have flexibility in how much coverage you want.

Permanent Life Insurance

Permanent life policies are sometimes known as "custodial policies" and are designed for those who plan on living in a certain house, building, or location for the rest of your life. When planning ahead, you can enjoy the peace of mind of knowing that your loved ones will be cared for at home and in the future when you pass away. It is a good idea to look into permanent policies if you have children, a mortgage, or are involved with business or another type of arrangement with others.

Whole Life Insurance

Whole life policies are designed to provide coverage for the life of the policyholder. Although they last for the lifetime of the policyholder, there is usually an option to purchase additional coverage beyond this time frame.

T here are many different options available when it comes to life insurance. You will find that it is important to review all of your options and find the best deal for your individual situation.
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