Washington National Insurance Review & Complaints: Life & Supplemental Health Insurance (2023)

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.

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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.

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.

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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