Western American Life Insurance Company: Customer Ratings & Reviews [2024]

For more than a century, Western American Life Insurance Company has actively committed to delivering dependable coverage, serving individuals and families throughout the West with a comprehensive range of insurance products, including life, health, annuities, and long-term care.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024Fact Checked

Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 10, 2024Fact Checked
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Western American Life Insurance Company

Average monthly rate for healthy individuals:

$92

A.M. Best rating:

A (Excellent)

Complaint level:

Low

Pros

  • Affordable rates
  • Customizable coverage options
  • Excellent customer service
  • Variety of insurance products offered
  • Discounts available to qualifying customers

Cons

  • Limited availability in certain states
  • Some restrictions on coverage options for certain policies

Final Verdict: Review of Western American Life Insurance Company

Western American Life Insurance Company, a reputable insurance provider that has been offering comprehensive insurance products and services since 1956. We outline the types of insurance coverage they offer, including life insurance, health insurance, annuities, and long-term care insurance, as well as the states in which they operate.

Additionally, we highlight their competitive pricing and various discounts, as well as their positive customer reviews for their excellent customer service and claims handling process. If you’re looking for reliable and comprehensive insurance coverage, Western American Life Insurance Company is definitely worth considering.

When it comes to protecting your financial security, choosing the right insurance company is crucial. That's where Western American Life Insurance Company comes in. Established in 1956, Western American Life Insurance Company has been providing reliable insurance products and services to individuals and businesses for over six decades. Their commitment to financial stability, customer satisfaction, and comprehensive coverage has made them a top choice for insurance coverage in the states where they operate. In this article, we'll take a closer look at Western American Life Insurance Company and their history, mission, products, services, pricing, customer reviews, and more. Whether you're looking for life insurance, health insurance, annuities, or long-term care insurance, Western American Life Insurance Company has got you covered.

What You Should Know About Western American Life Insurance Company

Company Contact Information

  • Phone: 1-800-823-4852
  • Email: [email protected]
  • Address: 1345 N. Grand Avenue, Suite 100, Covina, CA 91724

Related Parent or Child Companies

  • There is no information regarding  about related parent or child companies.

Financial Ratings

  • Western American Life Insurance Company has received an A (Excellent) rating from A.M. Best, which is a leading rating agency for the insurance industry.

Customer Service Ratings

  • Western American Life Insurance Company has an excellent reputation for customer service.

Claims Information

  • Western American Life Insurance Company   has a low complaint level, which may indicate efficient claims processing.

Company Apps

  • There is no information was  provided regarding the availability of company apps.

Western American Life Insurance Company Insurance Coverage Options

Western American Life Insurance Company offers a range of coverage options for its customers. These coverage options include:

  • Life insurance: Western American Life Insurance Company offers both term life insurance and permanent life insurance policies to help customers protect their loved ones financially in the event of their passing.
  • Disability insurance: This coverage provides income protection to customers who are unable to work due to a disability.
  • Annuities: Annuities are insurance products that provide customers with a guaranteed income stream during retirement.
  • Long-term care insurance: This coverage helps customers pay for long-term care expenses, such as nursing home care or in-home care, in the event that they require assistance with daily living activities.

Western American Life Insurance Company allows customers to customize their coverage to suit their specific needs and budget. Customers can choose the coverage amounts, riders, and term lengths that best meet their needs. Additionally, the company offers a variety of discounts to help customers save money on their insurance premiums.

Read more: American Western Home Insurance Company Review

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Western American Life Insurance Company Insurance Rates Breakdown

Driver ProfileWestern AmericanNational Average
Clean Record$75$119
1+ Ticket$100$147
1+ Accident$125$173
DUI$138$209
Poor Credit$129$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver


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Western American Life Insurance Company Discounts Available

DiscountsWestern American
Anti Theft8%
Good Student12%
Low Mileage15%
Paperless7%
Safe Driver14%
Senior Driver9%

Western American Life Insurance Company offers a variety of discounts to its customers to help them save money on their insurance premiums. These discounts include:

  • Multi-policy discount: Customers who purchase multiple insurance policies from Western American Life Insurance Company can save money with this discount.
  • Safe driver discount: Customers who have a clean driving record for a specified number of years can receive a safe driver discount.
  • Good student discount: Students who maintain good grades can receive a discount on their insurance premiums.
  • Military discount: Members of the military, veterans, and their families can receive a discount on their insurance premiums.
  • Senior citizen discount: Customers who are over a certain age can receive a discount on their insurance premiums.
  • Homeowner discount: Customers who own a home can receive a discount on their insurance premiums.

It’s important to note that not all discounts may be available in all states or for all types of insurance policies. Customers should speak with a representative from Western American Life Insurance Company to learn more about available discounts and how to qualify for them.

How Western American Life Insurance Company Ranks Among Providers

Western American Life Insurance Company competes in a crowded marketplace with many well-known and established competitors. Some of the major competitors of Western American Life Insurance Company may include other large insurance companies such as:

  • MetLife: MetLife offers a range of products and services, including life insurance, disability income insurance, long-term care insurance, retirement planning, and investment management.
  • Prudential: Prudential offers a wide range of insurance products, including life insurance, annuities, and disability insurance, as well as investment management services such as mutual funds, retirement planning, and asset management.
  • Nationwide: Nationwide Mutual Insurance Company, provides a wide range of insurance products, including auto, home, life, and commercial insurance, as well as banking and investment services.
  • New York Life: New York Life is a mutual life insurance company that offers a wide range of insurance and investment products and services.

These companies offer similar life insurance products and services to Western American Life Insurance Company and may compete for the same customers. Additionally, there are many smaller regional insurance companies and independent agents who may also be competitors in the life insurance market.

Claims Process at Western American Life Insurance Company

Ease of Filing a Claim

Western American Life Insurance Company offers a user-friendly claims process, allowing policyholders to file claims through various channels. Whether it’s online, over the phone, or via mobile apps, the company prioritizes convenience for its customers.

Average Claim Processing Time

The efficiency of the claims process is crucial, and Western American Life Insurance Company strives to provide timely resolutions. The average claim processing time is a key factor in assessing the company’s commitment to meeting the needs of policyholders promptly.

Customer Feedback on Claim Resolutions and Payouts

Customer satisfaction is paramount in the insurance industry. This section delves into the feedback from policyholders regarding their experiences with Western American Life Insurance Company’s claim resolutions and payouts. Real-world experiences provide valuable insights into the company’s commitment to customer service.

Western American Life Insurance Company Digital and Technological Features

Mobile App Features and Functionality

In an era of digital convenience, Western American Life Insurance Company understands the importance of mobile accessibility. This section explores the features and functionality of the company’s mobile app, assessing how it enhances the overall customer experience.

Online Account Management Capabilities

Online account management is a key aspect of modern insurance services. Here, we examine Western American Life Insurance Company’s online account management capabilities, evaluating how easily policyholders can access and manage their accounts through the company’s digital platform.

Digital Tools and Resources

Incorporating digital tools and resources is a strategic move for insurers. This section discusses the digital tools and resources provided by Western American Life Insurance Company, aiming to offer policyholders valuable tools for managing their insurance needs efficiently.

Frequently Asked Questions

What types of life insurance policies does Western American Life Insurance Company offer?

Western American Life Insurance Company offers both term life insurance and permanent life insurance policies.

How can I qualify for discounts on my insurance premiums?

Western American Life Insurance Company offers a variety of discounts, such as safe driver, good student, military, senior citizen, and homeowner discounts. Customers should speak with a representative from Western American Life Insurance Company to learn more about available discounts and how to qualify for them.

What is the process for filing a claim with Western American Life Insurance Company?

Customers can file a claim with Western American Life Insurance Company by contacting the company’s customer service department or by visiting their website. Customers will need to provide information such as the policyholder’s name, policy number, and details of the claim.

How can I obtain a quote or apply for Western American Life Insurance?

To secure a quote or apply for Western American Life Insurance, follow these steps: assess your coverage needs, contact the company or their authorized agents, undergo a consultation, and proceed through underwriting to determine policy pricing. Upon acceptance, carefully review and activate your life insurance policy by making the necessary payments.

How can I contact Western American Life Insurance for customer service or assistance with life insurance?

To reach Western American Life Insurance for customer service regarding life insurance, utilize the following options: call the customer service hotline or the dedicated life insurance contact number, or visit the official website to find relevant sections or contact details, possibly including online forms or tools for inquiries.

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Kristen Gryglik

Licensed Insurance Agent

Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

Licensed Insurance Agent

Eric Stauffer

Licensed Insurance Agent

Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Insurance Providers Comparison

Compare Insurance Providers Rates to Save Up to 75%

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