Washington National Insurance Review & Ratings (2022)

Washington National Insurance Company offers term life, universal life, and supplemental health insurance coverage. Life insurance options with Washington National are part of a group plan, but the company offers flexibility to keep your plan if you change jobs. The supplemental health insurance offered with Washington National includes cancer, stroke, and accident coverage. You will have to speak to a Washington National agent to get specific quotes for monthly insurance rates.

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Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 18, 2021

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The Rundown

  • Washington National Insurance Company offers term life, universal life, and a number of supplemental health insurance coverages
  • Washington National does not offer online quotes, so you will have to speak to an agent to find out more about the company’s rates
  • Washington National’s parent company — CNO Financial Group — received an A- rating with A.M. Best

If you’re searching for health or life insurance, you may be interested in learning more about Washington National Insurance Company.

Washington National Insurance Company is based in Carmel, Indiana. The company offers life insurance products as well as supplemental health insurance coverage.

You can compare Washington National insurance rates with other companies by doing a bit of research online. Start by comparing quotes from the best insurance companies near you.

If you are interested in learning more about affordable insurance with Washington National, keep reading to see if the company would be a good fit for you.

But before you buy insurance with Washington National, you can use our free tool above to find and compare rates from top insurance companies in your area.

What products does Washington National offer?

Washington National offers term life insurance, universal life insurance, and different health insurance supplements.

For term life insurance, Washington National mentions on its website that it offers monthly income protection. This type of protection is part of the company’s group term life insurance coverage.

Depending on how long your term coverage lasts, your beneficiaries would receive a monthly income replacement for anywhere from two to five years. Further, you may be able to increase your term life insurance coverage in the future.

If you have moved into retirement and your term coverage is still in place, your beneficiaries could receive an optional lump-sum death benefit of $10,000 to $25,000.

Even though this insurance is part of a group plan, Washington National’s website states that the coverage options are portable to help people even if they change jobs.

Washington National’s universal life insurance coverage offers control and flexibility, allowing policyholders to adjust their coverage levels, cash values, and monthly rates if and when they need to. It also offers a cash value that can grow to be used as a death benefit. If necessary, it’s also available as a living benefit.

Specific coverage options, lengths for term life insurance, and overall prices are not available on Washington National’s website.

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What does Washington National’s health insurance cover?

As a supplemental health insurance provider, Washington National’s health insurance coverage is meant to be used in addition to your standard health insurance.

The supplemental options Washington National offers include:

  • Cancer insurance
  • Critical illness insurance
  • Accident insurance
  • Heart and stroke insurance
  • Hospital insurance

Each of these supplemental coverages can be utilized if you need specialized care in one of these areas, and your primary insurance does not or only partially covers it.

Washington National does not list the cost for these supplemental coverages on its website. However, it’s safe to assume that the monthly rates for supplemental coverage will depend on a variety of factors like your age, health status, and family health history.

Can I make claims online with Washington National?

While the company’s overall claims process is not made clear on its website, Washington National does offer each policyholder an individual Washington National Insurance login.

This login will likely allow you to review the status of any claims you have, update your profile and personal information, and print new copies of your insurance cards.

In order to make a claim, you may have to call the Washington National insurance phone number to speak with an agent who can help you through the process.

If you are interested in pursuing Washington National Insurance Company as your life or supplemental health insurer, be sure to ask an agent more about how the claims process works.

Does Washington National have good ratings?

Washington National garners an A- (Excellent) rating with A.M. Best. Additionally, the company boasts an A+ rating with the Better Business Bureau.

You can read customer reviews on the BBB website to familiarize yourself with some of the current and past policyholders’ complaints. Keep in mind that, based on Washington National’s size, the customer complaint ratio is fairly reasonable.

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Should I buy insurance with Washington National?

If you are looking for life insurance or supplemental health insurance, Washington National might be a great fit for you.

By offering group life insurance and supplemental health insurance options, Washington National may be a great way for you to cushion the insurance coverage you already have.

Before you decide to pursue a policy with Washington National, you will need to speak with an agent to get more specific information on their monthly rates for life and health insurance coverage.

Insurance rates will always vary based on many different factors, so don’t rush into making a decision the minute you get Washington National insurance quotes.

Instead, be sure to shop around online and compare life or supplemental health insurance options with other providers. This is the best way to see how much you should truly be paying for coverage.

Be sure to use our free quote tool below to access quotes from the best insurance companies near you before deciding to buy Washington National insurance.

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