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Washington National Insurance Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Mar 18, 2020

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Part of CNO Financial Group, Washington National has been writing insurance for more than 100 years. They write life insurance and supplemental health insurance plans for individuals and groups.

About Washington National

Washington National Insurance was founded in 1911 in Illinois and was initially focused on provide health and accident insurance for teachers, later expanding to offer coverage to the general public, including life insurance. In 1997 the company was acquired by CNO Financial Group, and in 2009 the parent company merged another insurance company, Conseco, into Washington National to create one large life and supplemental health insurer.

They are largely a group benefits provider, writing voluntary employee benefits products, but also sell directly to individuals.

Today the company serves nearly 1 million policyholders and 25,000 employer groups. Policies are sold through local independent agents across the country. Washington Nationals headquarters is located in Carmel, Indiana.

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Washington National Products

Information on the products offered by Washington National is limited to a basic overview on the website.

Life Insurance

Washington National writes term life insurance, indexed universal life insurance, and whole life insurance policies. They provide only general descriptions and explanations of each of these policies with no details including issues age or death benefit amounts.

They do offer several rider options, which include a terminal illness rider, critical illness rider, and return of premium option.

Supplemental Health

There are three types of supplemental health coverage available from Washington National. Again, information on these products is limited to generalizations, without much in the way of details.

Cancer and Critical Illness coverage provide a lump-sum benefit upon diagnosis with most cancers or any of the included illnesses or accidents. There are 17 critical health conditions, 14 accidental injuries, and 7 other listed categories of qualifying conditions.

Hospitalization and ICU coverage provides benefits to pay for out of pocket expenses associated with a stay in the hospital including the ICU. This includes coverage for coinsurance and deductibles.

Accident and Disability insurance is available only as a group workplace benefit. This plan provides income protection and other benefits to assist with financial hardships during a covered accident recovery or disability.

Workplace Benefits

All of the products available to individuals are also available as workplace benefits. They are sold as group policies, which generally makes them more affordable – hence the reason they are referred to as benefits.

All of the workplace benefits products are portable, so coverage can continue even if the insured changes jobs.

Rates

Online quoting is not offered by this company, which is pretty common for an insurer that works mainly through agents, and especially for a company that has a lot of focus on workplace benefits.

Rate quotes can be obtained by contacting a local agent. There is a “Contact Me” button found on the policy description pages that can be used to have a representative reach out for more information and rate quotes. This is likely to result in ongoing solicitation efforts that some people may find bothersome.

Claims

Claim forms can be downloaded from the website, and these come with instructions for how to file and what documentation is required for each type of claim.

The contact page of the website also offers fax numbers and mailing addresses for the various types of claims. There is no specific phone number for claims, but a toll-free customer service line is available, which is open during business hours. Those are listed as Monday through Friday 8:00 a.m. to 6:00 p.m. Most life and health insurance companies do not offer a 24/7 claims line, so this is standard practice.

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Ratings and Consumer Reviews

Washington National Insurance Company has an A+ rating with the Better Business Bureau (BBB) and has been accredited since 2013. There are 46 complaints on file in the past three years. The 20 reviews and star ratings on the page add up to a one-star rating overall. Many of the complaints are related to billing and customer service. For a company of this size, this is not a high volume of complaints.

We were unable to find much else in the way of complaints in the usual locations, which may be in part due to the fact that people often handle workplace benefits complaints and problems through their company’s HR department. Still, a lack of reviews generally reflects well on an insurance company.

The Bottom Line

There really is not enough detailed information on this company’s products or rates for us to form a solid opinion about what they offer. They do appear to have a solid reputation and have been around a long time. For those that do not mind the potential for solicitation, it might be worth contacting an agent for more information on this company.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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Washington National Insurance
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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

2 Comments

  1. Hello, I have 2 account numbers with Washington Nat. INs. Premium, they take 100.52 and 36.50 from my account each month.

    I don’t have any proof of Insurance and I don’t know why they take 2 withdrawals each month and have for years.

    I tried to log in with my policy numbers but they aren’t accepted.

    ?

    Reply
    • You need to call that company now, and if they won’t answer your questions within 72 hours: Report then to your state board of insurers.

      If you get no answers; You need to change your bank account numbers Now.

      I have seen this kind of scam many times before.

      They are taking your money, and giving you nothing in return.

      That is THEFT of the Worst kind.

      Call your bank now, and block any further withdrawals by that company before they steal any more of your money.

      If they cannot give you any proof of coverage, then you are probably not even insured.

      Reply

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