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West Coast Life

  West Coast Life was founded in 1906 and Protective Life in 1907  

See What West Coast Life And Our Insurance Brokerage System Has To Offer!

West Coast Life Insurance Company became a member of the Protective Life Insurance Family in 1997

The two companies have forged the experience of over 200 years in the life insurance business in America. West Coast Life's history includes more company "firsts" than most other companies can even imagine.

Our excellent reputation is based in part on these pre-eminent values: quickness to respond, quality, serving our people and growth.

In our quickness to respond, serving our policyholders and the brokerage community, we have adopted Protective Life's Five Cardinal Principles which have given us the communication tools and framework to make quality an integral part of our company.

Term Life Insurance

Designed to provide protection for a specific period of time.

Focus Guaranteed Level Term Series
Our Focus Term Series is ideal for people of most ages who would like to have life insurance coverage with level premiums guaranteed for the initial term period. 

Income Replacement Term Series 
The Income Replacement TermSM Series are new and innovative term life insurance policies. 

Golden Legacy Term
Golden Legacy Term was designed as an affordable plan for individuals with estate planning needs.

Universal Life Insurance

Insurance that provides lifelong protection as long as certain minimum premium requirements are met.

LifeTime Advantage Plus
Our LifeTime Advantage Plus is designed for individuals who are seeking long-term life insurance protection for their families or businesses at a competitive price.

LifeTime Platinum III  & LifeTime Platinum III Plus 
Our LifeTime Platinum III & LifeTime Platinum III Plus are designed for individuals who are seeking long-term life insurance with flexible features that can be used for many different financial planning purposes.  In addition, LifeTime Platinum III Plus has the potential to accumulate tax-deferred cash value over time that can be accessed through policy loans and withdrawals.

Survivor Life Insurance

Insurance that covers the lives of two insureds and the death benefit is paid when the last of the two insureds dies. This policy type is commonly used in estate planning.

Golden Legacy Protector X
The West Coast Life Golden Legacy Protector X policy is a second-to-die (last survivor) universal life insurance policy, insuring two lives under one policy, with the death benefit payable to the designated beneficiary following the surviving insured's death. 

Golden Legacy Term
Golden Legacy Term was designed as an affordable plan for individuals with estate planning needs.


Insurance contracts that can be scheduled to pay regular payments to help meet the needs of people saving for retirement.

Needs Analysis

West Coast Life
Address1 PO Box 830570
Address2 -
City Birmingham
State AL
Zip 35283
Phone Number 800-366-9378
Fax Number 415-433-1372

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For Your Client

Insurance Brokerage provides you with the latest technology to search for the best term life insurance quote for your client-

Our brokerage spreadsheet quoting system allows you to examine "by underwriting class" all of our top companies as they apply to your specific client needs.

Download top company life insurance quotes -

Get appointed with the company that best suits your clients needs-

Download top brokerage appointment forms-

Get a state specific term
life insurance application-

Insurance brokerage affords the agent an easy way to access all of the forms for all of our companies.

Request state specific brokerage life application forms-

Mail completed forms to -

  Insurance Brokerage America

  National Marketing
  P.O. Box 30248
  Charleston, SC 29417
  800-406-6303     843-769-9804 fax

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A Tale Of Two Agents

Captive Agent

An agent working exclusively for a single firm. He or she is obliged to submit business only to that firm, or at least give that firm first rights of refusal on the case.

Captive agents that are non-established are usually paid on a combination of salary and commissions earned from selling the policy contract. Also, the firm usually provides its captive agents with an allowance for office expenses as well as employee benefits such as pensions, life insurance, and health insurance. 

The established captive agent is usually paid exclusively on a commission basis.  This type of agent will tend to have more in-depth knowledge of that firm's policies, however, he or she will hardly ever be equipped to offer the industries' best price on any particular product offering.

Independent Agent Broker

Simply said, independent agents are appointed to sell policies from many insurers. The agent is independent from all insurers thus, the independent agent's responsibility is solely focused on evaluating the client's needs and the pricing of the product chosen.

While searching for the brokerage market's best place for a client's business, independent agents pay all their own expenses and keep their own records and earn their income from brokerage commissions on the policies they sell.

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