InsuredBetter's Washington National Insurance Score
2.25 Stars
We award Washington National Insurance Company a final rating of 2.25 out of 5 stars. The insurance company has been around for more than a century now, which is certainly noteworthy in the insurance industry. Washington National has high official ratings through AM Best and the Better Business Bureau (BBB).
The carrier offers life and health insurance products for individuals and supplemental health insurance products for business owners. Not all types of coverage are available in every state.
Washington National was founded in 1923. For more than 100 years, Washington National has had a mission to help customers prepare for the unexpected at every stage of life with the right life and health insurance solutions.
The insurance company's official website doesn't provide much information about its claims process or any information about available discounts. The carrier's social media presence and customer service availability are also somewhat limited, especially compared to many other insurance companies today.
We're also concerned by the large volume of negative customer feedback and complaints on the BBB's website. Overall, we recommend using caution when looking into the products offered by Washington National, and to consider other options as well. Your independent insurance agent can compare their coverages to others that may be relevant for you.
Washington National Pros and Cons:
| Pros: | Cons: |
|---|---|
Offers life insurance, health insurance, and supplemental health insurance
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No discount information available
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Offers coverage for individuals and business owners
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Mixed customer feedback
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“A” (excellent) rating by AM Best
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Many complaints filed through the BBB
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“A+” (excellent) rating by the Better Business Bureau (BBB)
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Policies, benefits, and riders are subject to state availability
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Washington National Insurance Products by Type
Washington National is a specialized insurance company with a focus on life and health insurance coverage for individuals and business owners. The carrier's available insurance products are as follows:
Personal Life & Health Insurance:
- Cancer insurance
- Accident insurance
- Critical illness insurance
- Heart and stroke insurance
- Hospital insurance
- Universal life insurance
Business Owners Insurance:
Washington National Universal Life Insurance
Washington National offers universal life insurance for individuals. This coverage allows customers the flexibility to adjust their premiums, cash value, and coverage level as desired. Washington National's universal life insurance comes with various benefits outlined below.
Coverage types, features, and benefits:
Flexible premiums
Washington National's universal health insurance allows customers to adjust their premiums at any time throughout the life of their policy to meet their budget.
Accrued cash value
Washington National's universal health insurance accrues a cash value to ultimately provide a tax-free death benefit payout.
Living benefits
Washington National's universal health insurance policies can sometimes be cashed out early and used as "living benefits."
Increased cash value
Washington National offers the flexibility for some customers to increase their policy's cash value if they choose the S&P 500 index option.
Washington National Universal Life Insurance Average Prices
To obtain a quote from Washington National, customers must contact the carrier or request to have an agent contact them. This service is available through the official website.
Washington National Supplemental Health Insurance for Business Owners
Washington National offers several products for business owners, including various options for supplemental health insurance.
Coverage types, features, and benefits:
Accident & disability
Washington National offers accident and disability coverage that pays out a lump cash sum if an employee or an insured family member sustains a covered injury resulting from an accident. Some policies are guaranteed-issue. This coverage offers short-term disability protection.
Cancer & critical illness
Washington National offers critical illness and cancer coverage with lump sum cash benefits for employees who receive a serious diagnosis. These policies come with wellness benefits and premium return options.
Hospitalization & ICU
Washington National offers hospitalization and ICU coverage for business employees and their family members. These policies can pay for hospital and outpatient visits, doctor visits, and ICU expenses. Wellness benefits are also provided by this coverage.
What Discounts Does Washington National Offer?
Washington National does not provide information about its coverage discounts on its official website. Customers can work with an independent insurance agent or contact the carrier directly to learn more about discount options.
Washington National Customer Service
Washington National offers phone, mail, or email claims reporting for its policyholders. The carrier provides the following customer service options:
- Phone
- Snail mail
Customer service phone department is available during the following hours:
| Days | Hours (EST) |
| Monday-Friday | 8 a.m. - 5:45 p.m. |
| Saturday | CLOSED |
| Sunday | CLOSED |
The best way to ensure a great customer service experience is to work with an independent insurance agent. Independent insurance agents can help handle claims and other matters for you, so you can relax and enjoy your coverage.
Washington National Insurance FAQs
What is Washington National's average claim response time frame?
Washington National offers claims reporting through a couple of mediums. However, the insurance company does not provide an official claims response time frame promise.
What is Washington National's customer service availability?
Washington National allows customers to file claims over the phone during typical business hours, Monday through Friday, or by email or snail mail. The carrier carrier also has a social media presence on Facebook, YouTube, and LinkedIn.
What is Washington National's claims process?
Washington National does not detail its claims process on the official website or social media platforms. If customers have questions about filing or the claims process itself, they can contact the carrier directly or get in touch with their independent insurance agent.
Does Washington National's insurance create a user-friendly experience for customers?
Washington National’s official website would benefit from providing more information about the carrier's claims process and discount options. The carrier has a social media presence, but it's not as extensive as many other modern carriers'. Overall, Washington National could stand to improve a bit in the user-friendliness department.
Is Washington National a good insurance company?
Washington National offers several important health insurance and life insurance products for individuals and business owners. The carrier has excellent official ratings from AM Best and the BBB. However, the carrier has a poor customer rating on the BBB's website, and dozens of complaints have been filed in recent years. So, it may be up to individual interpretation if Washington National can be considered a good insurance company.
Who are Washington National's insurance products right for?
Washington National's insurance products may be right for individuals or business owners in need of health insurance, life insurance, or supplemental health insurance.
Does Washington National have good universal health insurance?
Washington National's universal health insurance offers customers the flexibility to control and customize many aspects of their policies, such as premium rates and coverage levels. Rate and discount information isn't provided on the carrier's website.
How much are Washington National's insurance rates?
If customers are interested in getting a policy from Washington National, they'll have to contact the carrier directly or work with an independent insurance agent to request a quote. The carrier's rates are not available online.
Sources
https://washingtonnational.com/contact/
https://news.ambest.com/PR/PressContent.aspx?refnum=34409&altsrc=9
https://www.bbb.org/us/in/carmel/profile/insurance-companies/washington-national-insurance-company-0382-90015174
