Washington National Insurance Review & Complaints: Life & Supplemental Health Insurance (2024)
Washington National Insurance reviews go back to 1911 when the company was founded in Illinois to provide coverage for teachers. Today, Washington National life insurance policies include term life insurance, indexed universal life insurance, and whole life insurance policies as well as supplemental health insurance like the Washington National Insurance cancer policy. The Washington National Insurance Company rating with the BBB is an A+.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Nov 10, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 10, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Part of CNO Financial Group, Washington National Insurance Company has been writing insurance for more than 100 years, providing coverage all across the United States. They write life insurance and supplemental health insurance plans for individuals and groups.
This Washington National Insurance review will cover the company’s insurance products, Washington National rates, and how to get a quote.
If you want to start comparing rates before you read our Washington National review, just enter your ZIP code above.
What is the history of Washington National Insurance?
The Washington National Insurance Company was founded in 1911 in Illinois and was initially focused on providing 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 selling directly to consumers. The Washington National Insurance logo features the silhouette of George Washington.
Today, the company provides its services to nearly one million policyholders and 25,000 employer groups. Policies are sold through local independent agents across the United States. The Washington National Insurance Company address is 11825 N Pennsylvania St, Carmel, IN 46032. The company can also be reached by phone during business hours at (800) 525-7662; and the fax number is (800) 757-6324.
The Washington National login for customers is different from the Washington National Insurance provider login. You may need a Washington National Insurance payer ID to make payments.
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What insurance products are offered?
Information on the products offered by this provider is limited to a basic overview of 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 the return of premium option (for term life insurance). Keep in mind, adding riders to bolster your policy benefits can impact what you can expect your premium payments to cost.
Supplemental Health
Currently, within their health insurance lines, there are three types of supplemental coverage available from Washington National. Again, information on their health insurance coverage is limited to generalizations, without much in the way of details.
The company offers a Cancer and Critical Illness policy to 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. This type of coverage is designed to help provide families with not only financial security, but also peace of mind during the difficult time of being diagnosed with a severe illness.
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, which can assist a policyholder with health care and medical costs.
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 individual consumers 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.
Are the company’s rates competitive?
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. However, that means we can’t say whether they offer coverage at a reasonable rate or if your premium payments are competitive when compared to the rest of the insurance industry.
Rate quotes can be obtained by contacting a local agent to request one. 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.
Washington National Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
Washington National Insurance offers various methods for filing a claim, including online submission, phone, and potentially through mobile apps (though this is not explicitly mentioned in the provided content).
Average Claim Processing Time
The content does not provide specific information about the average claim processing time. This information may be available on the company’s website or through direct contact with Washington National Insurance.
Customer Feedback on Claim Resolutions and Payouts
The content mentions that the Better Business Bureau (BBB) has rated Washington National Insurance with an A+ and provides some insight into customer complaints. However, it does not offer detailed feedback on claim resolutions and payouts. Customers interested in this information may need to research further or contact the company directly.
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Washington National Digital and Technological Features
Mobile App Features and Functionality
The content briefly mentions the possibility of mobile apps being used for claims, but it doesn’t provide specific details about the features and functionality of these apps. Interested customers may need to explore the company’s official mobile app for more information.
Online Account Management Capabilities
The content does not elaborate on online account management capabilities. Customers interested in managing their policies and accounts online should visit the company’s official website or contact them directly for more information.
Digital Tools and Resources
The content does not provide specific information about digital tools and resources offered by Washington National Insurance. To learn more about the available digital resources, customers should explore the company’s website or get in touch with them directly.
Are the company’s ratings and consumer reviews positive?
Washington National Insurance Company has an A+ rating with the Better Business Bureau (BBB) and has been accredited since 2013. There are 46 policyholder 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.
What’s the bottom line?
There really is not enough detailed information on the products or rates for the Washington National Insurance Company for us to form a solid opinion about what they offer as we’re left with questions about its operations. They do appear to have a solid reputation and have been around for 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.
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Frequently Asked Questions
What is Washington National Insurance?
Washington National Insurance is an insurance company that specializes in providing life insurance and supplemental health insurance coverage. They offer a range of insurance products designed to protect individuals and families from financial hardships in the event of unexpected medical expenses, accidents, or death.
What types of insurance does Washington National offer?
Washington National Insurance offers the following types of insurance:
- Life Insurance: Provides financial protection to your loved ones in the event of your death. It can help cover funeral expenses, outstanding debts, and provide income replacement.
- Supplemental Health Insurance: Offers additional coverage to help pay for out-of-pocket expenses related to medical treatments, hospital stays, and other healthcare services not covered by primary health insurance.
How do I file a complaint with Washington National Insurance?
If you have a complaint regarding Washington National Insurance, you can follow these steps:
- Contact Customer Service: Begin by reaching out to their customer service department via phone or email to discuss your issue. They may be able to resolve the matter directly.
- Submit a Written Complaint: If your issue remains unresolved, you can write a formal complaint explaining the details and send it to Washington National Insurance’s customer service address. Make sure to include any relevant documentation.
- State Insurance Department: If you are unable to resolve the complaint with the company directly, you can contact your state’s insurance department and file a complaint. They can provide guidance and assistance in resolving the issue.
How can I read reviews about Washington National Insurance?
To read reviews about Washington National Insurance, you can explore the following options:
- Online Review Websites: Visit popular review websites such as Trustpilot, ConsumerAffairs, or Better Business Bureau (BBB) to find customer reviews and ratings for Washington National Insurance.
- Social Media: Check social media platforms like Facebook, Twitter, and LinkedIn for customer feedback and reviews about the company.
- Ask for Recommendations: Seek recommendations from friends, family, or colleagues who may have personal experiences with Washington National Insurance.
What should I consider before purchasing insurance from Washington National?
Before purchasing insurance from Washington National, consider the following factors:
- Coverage Needs: Assess your insurance needs and determine if the policies offered by Washington National align with your requirements.
- Policy Features and Benefits: Understand the details of the insurance policies, including coverage limits, exclusions, waiting periods, and any additional features or benefits.
- Premiums and Affordability: Evaluate the cost of the premiums and ensure they fit within your budget. Compare the prices with other insurance providers to determine competitiveness.
- Customer Service and Reputation: Research the company’s reputation, customer service quality, and claims process by reading reviews and ratings from existing customers.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.