Washington National Insurance Review & Ratings (2024)What types of insurance does Washington National offer?Washington National Insurance Review & Ratings (2024)

Discover a wide range of comprehensive coverage options provided by Washington National Insurance, specifically designed to protect and secure your life and health. Delve into our in-depth review to gain valuable insights on their policies and services, enabling you to make well-informed decisions about your insurance needs. Take control of your future with Washington National Insurance.

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Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Tim Bain

Founder & Life Insurance Agent

Tim Bain is a licensed life insurance agent with 23 years of experience helping people protect their families and businesses with term life insurance.  His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada. 

Founder & Life Insurance Agent

UPDATED: Nov 28, 2023

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The Rundown

  • Washington National Insurance sells term and universal life plans for individuals and business owners
  • You can’t buy full health coverage from this company, but it does sell supplemental health plans to cover serious events
  • The Better Business Bureau and A.M. Best give Washington National strong ratings, but customer reviews are largely negative

Welcome to our comprehensive guide on Washington National Insurance, where we explore the diverse range of insurance solutions offered by this reputable company. In this article, we will cover key topics such as the types of insurance provided by Washington National, including term life, universal life, and supplemental health insurance.

We will also discuss the cost of their insurance plans, as well as review customer satisfaction, claims process, and overall ratings. To ensure you find the best rates and coverage options for your specific needs, we encourage you to enter your ZIP code below and compare quotes from the top insurance providers. Take the first step towards securing your future with Washington National Insurance.

What types of insurance does Washington National sell?

While details are sparse, Washington National offers term and universal life insurance plans. It also sells a host of supplemental health insurance products. Currently, Washington National sells insurance in every state except New York.

Many types of life insurance can meet your needs, but it all depends on your circumstances. For example, term life is an excellent choice for new parents, new homeowners, or people on a tight budget.

Universal life is more expensive, but you never have to worry about renewing your policy. Permanent plans also accrue cash value, meaning you can borrow against it.

Supplemental health insurance plans aren’t full health coverage. Instead, they cover specific health concerns and help pay your bills.

Washington National Term Life

Washington National is not forthcoming with policy information, but it’s safe to assume it has a similar term life plan to its competitors.

Generally, periods for term life insurance range from 10 years to 30 years. If you die during this period, your beneficiary will receive your death benefit. If you survive the term, you’ll have to renew your policy to continue your coverage.

While information is scarce, Washington National offers two add-ons for its term life policy. The first is its Monthly Income Protection, which are additional payments to your family beyond your death benefit. You can select either a two-, three-, or five-year period during which your family will receive monthly payments.

The second add-on option extends into your retirement. You can purchase an additional lump-sum death benefit between $10,000 and $25,000. The lump-sum kicks in after your Monthly Income Protection expires for no additional fee.

Term life is available for purchase as an individual or group plan. However, you’ll need to speak to one of the Washington National Insurance independent agents for more information.

Washington National Universal Life

While whole life is more common, Washington National only offers universal life for its permanent insurance option.

Universal life insurance is similar to whole life in that it never expires if you keep paying on it, and it accumulates cash value.

Washington National’s universal life insurance offers flexible payments, meaning you can make a smaller payment during months when money is tight. Alternatively, you can make larger payments when you want to build up your cash value a little more.

You also may invest your accumulated value with the S&P 500 index option. Universal also allows you to collect part of your death benefit while you’re still alive to pay for medical bills if you become seriously ill.

Like term life, you can purchase universal as an individual or business owner. For more information, you can call the Washington National Insurance phone number.

Washington National Supplement Health Insurance

While it won’t pay for your doctor visits or annual check-ups, Washington National offers insurance products to protect you from severe health conditions. Washington National has five supplemental health insurance products.

  • Cancer. This plan pays a lump sum if you’re diagnosed with cancer. It also covers wellness screenings, tests, surgery, radiation, chemotherapy, and transportation costs.
  • Accidents. About 78% of all accidents happen outside the workplace, meaning worker’s compensation does not cover them. This plan helps cover accidents at home involving a disability, burn, fracture, surgery, dismemberment, or accidental death coverage.
  • Critical illness. You’ll get a lump sum after diagnosis of health conditions like cancer, strokes, and heart attacks. This plan covers up to 38 health events, but you’ll need to speak with an agent for more information.
  • Heart disease and stroke. As the biggest killer in America, this plan pays for hospitalization, surgery, heart transplant, and nursing care after you’ve had a stroke or heart issue.
  • Hospital. Even a short stay at the hospital can be expensive. This plan supplements your health insurance to help pay for your hospitalization.

While these won’t cover everything you need for healthcare, you can get peace of mind knowing you’re covered no matter what life throws at you.

If you’re interested in supplemental health insurance, you can access more information by creating an account. Make sure to use the correct login, since the Washington National Insurance provider portal won’t have the information you need.

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How much does Washington National insurance cost?

Unfortunately, Washington National does not post information online about its life insurance rates. However, you can look at the graph below to get an idea of what you might pay based on national averages.

Age20 year term, male20 year term, femaleWhole, maleWhole, female

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The same applies to supplement health insurance plans. Washington National requires you to speak with an agent if you want quote information. You can contact the Washington National Insurance provider’s phone number for pricing details.

Streamlined Claims Process With Washington National Insurance: Filing, Processing Times, and Customer Feedback

Ease of Filing a Claim

Washington National Insurance offers multiple channels for filing claims, providing customers with flexibility and convenience. You can file a claim online through their user-friendly website, over the phone, or by utilizing their mobile app. This variety of options ensures that policyholders can choose the method that suits them best, making the claims process as hassle-free as possible.

Average Claim Processing Time

One key factor that policyholders consider when choosing an insurance provider is the speed at which claims are processed. While specific processing times can vary depending on the nature and complexity of the claim, Washington National Insurance is committed to efficient claims processing.

To get a better understanding of their average processing time, it’s advisable to contact their customer service or check their website for the most up-to-date information.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is a valuable source of insight into an insurance company’s performance in handling claims. When it comes to Washington National Insurance, customer reviews and experiences can shed light on the company’s ability to resolve claims fairly and provide timely payouts. Prospective policyholders should explore customer reviews and ratings to gauge the overall satisfaction with the company’s claim resolutions.

Washington National Insurance’s Cutting-Edge Digital and Technological Features

Mobile App Features and Functionality

Washington National Insurance offers a mobile app that enhances the convenience of managing your insurance policies and claims on-the-go. The app provides a range of features and functionality, such as policy access, claims tracking, and digital document management.

It allows customers to stay connected with their insurance information anytime, anywhere, ensuring a seamless digital experience.

Online Account Management Capabilities

Managing your insurance policies online has become a standard convenience in the industry, and Washington National Insurance is no exception. Their online account management system empowers policyholders to access policy details, make payments, update personal information, and initiate claims from the comfort of their own devices.

The user-friendly interface makes it easy for customers to navigate and manage their policies efficiently.

Digital Tools and Resources

In today’s digital age, insurance companies often provide various digital tools and resources to help policyholders make informed decisions. Washington National Insurance may offer online resources, such as calculators, educational materials, and FAQs, to assist customers in understanding their insurance options better.

Exploring these digital tools can be beneficial when assessing your insurance needs and making informed choices.

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Washington National Insurance Reviews

The best way to decide if a company is right for you is read at the reviews.

Unfortunately, Washington National has a lot of angry customers. Negative reviews are all over the web stating that the company fights against paying claims. People do not trust Washington National to make payments because of unpaid doctor bills and life insurance claims left in perpetual review.

Customers are also unimpressed with the company’s customer service. There are numerous complaints that agents are rude or uninformed about the product they sell.

Finally, customers feel they need to jump through hoops to file claims or make simple adjustments to their policies.

On the positive side, customers are happy that Washington National has dedicated resources to upgrade its site. With a Washington National Insurance login, you can pay your bill, request documents, and see your claim status.

Washington National performs well, according to professional rating services. The Better Business Bureau gives the company an A+ despite numerous complaints on the site.

The National Association of Insurance Commissioners assigns ratios to insurance companies based on their size and the number of complaints they get. An average score is 1.0, but Washington National’s is 3.48. That means they get a lot of complaints.

Finally, A.M. Best rates insurance companies by their financial stability and gives Washington National an A-.

Find the Best Insurance for Your Needs

When it comes to life or supplemental health insurance, Washington National might be the right choice for you. However, it might be best to look for a company with a better reputation, considering the number of complaints against Washington National.

If you want to see Washington National Insurance rates, you’ll need to speak with an agent. If you would prefer to browse quotes online from other companies, enter your ZIP code into our free tool to get started.

Frequently Asked Questions

What types of insurance does Washington National offer?

Washington National offers term and universal life insurance plans, as well as a variety of supplemental health insurance products.

Where does Washington National sell insurance?

Washington National sells insurance in every state except for New York.

What is term life insurance, and does Washington National offer it?

Term life insurance is a type of life insurance that provides coverage for a set period of time. If you die during this period, your beneficiary will receive the death benefit. Washington National offers term life insurance, but specific policy details are not readily available.

What is universal life insurance, and does Washington National offer it?

Universal life insurance is a type of permanent life insurance that does not expire as long as you continue to pay premiums. Washington National offers universal life insurance, which allows for flexible payments and the accumulation of cash value.

Does Washington National offer group insurance plans?

Yes, Washington National offers group insurance plans for both term life and supplemental health insurance products. You can speak with an independent agent for more information on these plans.

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