Western United Life Assurance Company: History, Affiliates, Contacts, Claims, Services, A.M Best Ratings, Financial details, and Reviews

If you are in search of a trustworthy company providing annuity products and services, Western United Life Assurance Company is worth considering.

This company operates as a subsidiary and affiliate of the Manhattan Life Group, a longstanding presence in the insurance industry since 1850.

Western United Life Assurance Company
Western United Life Assurance Company | photo courtesy | Insurance Guide


In this article, we will review Western United Life Assurance Company and its products, ratings, and customer reviews.

Company Profile

Group Affiliation Manhattan Life Group
State of Domicile Washington
NAIC Company Code 85189
Year Founded 1975
Website https://www.manhattanlife.com/
Phone (800) 247-2045
Address 929 West Sprague Ave, Spokane, WA 99201

About Western United Life Assurance Company

Established in 1975, Western United Life Assurance Company is a life insurance company headquartered in Washington.

Operating in 46 states and the District of Columbia, the company focuses on providing fixed annuity products tailored to diverse financial requirements, including:

  1. immediate income
  2. wealth accumulation
  3. legacy planning.

In addition to life insurance, the company offers Medicare supplement insurance and group dental insurance.

Western United Life Assurance Company is an integral part of the Manhattan Life Group, a collective of five insurance companies operating under shared management.

The group is committed to assisting policyholders in attaining lifelong health, wealth, and security.

Affiliates of Western United Life Assurance Company

Western United Life Assurance Company is affiliated with four companies under the Manhattan Life Group, each offering distinct insurance products and services:

  1. ManhattanLife Insurance and Annuity Company:
  2. The Manhattan Life Insurance Company:
    • One of the oldest U.S. insurance companies, founded in 1850 and based in New York.
    • Offers annuities, voluntary worksite benefits, health coverage, and ordinary life insurance.
    • Possesses a B++ rating from A.M. Best.
  3. Family Life Insurance Company:
  4. ManhattanLife Assurance Company of America:

Western United Life Assurance Company Contact Information

To reach out to Western United Life Assurance Company, utilize the provided contact details:

How to Claim with Western United Life Assurance Company

To initiate a claim with Western United Life Assurance Company, adhere to the following procedures:

  1. Annuity Claims:
    • Complete the relevant claim form for annuities, attaching it to the original contract and a certified death certificate.
    • Obtain the claim form from the company’s website, or request it via phone or email.
    • Submit the filled claim form and accompanying documents by mail or fax to the provided company address or fax number.
  2. Medicare Supplement Claims:
  3. Group Dental Claims:
    • Complete the dental claim form for group dental claims, including the itemized bill from your dentist.
    • Access the claim form on the company’s website or request it by phone or email.
    • Forward the completed claim form and necessary documents by mail or fax to the designated company address or fax number.

Annuity Products and Services Offered by Western United Life Assurance Company

Western United Life  Company provides a diverse array of annuity products and services designed to meet a range of financial objectives and risk preferences.

Among the offerings are:

  1. Multi-Year Guarantee Annuities (MYGAs):
    • These fixed annuities ensure a guaranteed interest rate for a specified period, typically ranging from 3 to 7 years.
    • Ideal for investors seeking a stable and competitive rate while avoiding market fluctuations.
    • Features flexible withdrawal options and death benefits.
  2. Fixed Index Annuities (FIAs):
    • Fixed annuities with the potential to earn interest based on the performance of an external index, such as the S&P 500.
    • Suited for investors aiming to participate in market upside potential without risking their principal.
    • Offers a range of income and protection features, including income riders, bonus credits, and return of premium options.
  3. Single Premium Immediate Annuities (SPIAs):
    • Fixed annuities ensure a guaranteed stream of income for life or a specified period, commencing immediately after a single lump-sum payment.
    • Ideal for investors in need of immediate income, aiming to eliminate longevity risk.
    • Provides various payout options and tax advantages.

Western United Life Assurance Company A.M. Best Ratings

Credit Rating Information by A.M. Best:

Aspect Rating
Financial Strength Rating B++ (Good)
Long-Term Issuer Credit Rating bbb
Outlook for Both Ratings Stable


A.M. Best, a prominent credit rating agency specializing in the assessment of insurance companies’ financial strength and creditworthiness, employs a rating scale ranging from A++ (Superior) to D (Poor), with various intermediate ratings.

This scale reflects the agency’s evaluation of a company’s ability to meet its financial obligations.

As of November 11, 2022, Western United Life  Company holds a Financial Strength Rating of B++ (Good) and a Long-Term Issuer Credit Rating of bbb.

Notably, both ratings carry a stable outlook, indicating that significant changes are unlikely soon.

These ratings are indicative of the company’s satisfactory balance sheet strength, neutral business profile, and effective enterprise risk management.

Furthermore, the ratings take into account the support and synergies derived from the Manhattan Life Group.

Table of Financial details of Western United Life Assurance Company

Here is the financial strength of the company:

Financial Data Year Ending December 31, 2022 Source
Assets $1,576,068,985 1
Liabilities $1,461,387,158 1
Capital and Surplus $114,681,818 1
Assets to Liability Ratio 107.85% 1
Ratings B++ (5th of 15 ratings) 1
Group Affiliation Manhattan Life Group 1
State of Domicile Washington 1
Year Founded 1975 1
Website Manhattan Life 1
Phone (800) 247-2045 1
Address 929 West Sprague Ave Spokane, WA 99201 1


Western United Life Assurance Company Customer Reviews

Evaluating the satisfaction and experiences of policyholders and beneficiaries with an insurance company can be effectively done through customer reviews.

These reviews offer valuable insights into the company’s product quality, services, claims processing, and customer support.

It is essential, however, to approach customer reviews with caution, as they might not fully represent the company’s overall performance and reputation.

Birdeye, a platform specializing in collecting and analyzing customer reviews, indicates that Western United Life  Company holds a 4.2-star rating out of 5 based on 5 reviews.

The majority of reviews are positive, commending the company for its products, rates, and customer service.

Nevertheless, there is one negative review highlighting concerns about the company’s management, rules, and work environment.

On Indeed, a website offering information and employer reviews, Western United Life  Company receives a 2.9-star rating out of 5 based on 7 reviews.

The predominant sentiment in these reviews is negative, with criticism directed towards the company’s management, culture, and benefits.

However, some positive reviews exist, praising the company’s training, flexibility, and co-workers.


Western United Life Company, a well-regarded and trustworthy firm, provides a range of annuity products and services tailored to diverse financial requirements.

As a member of the esteemed Manhattan Life Group, it boasts a rich heritage and extensive expertise in the insurance sector.

With a favorable financial strength rating from A.M. Best and a diverse customer feedback score from Birdeye and Indeed, the company stands as a reliable choice.

If you’re interested in learning more about Western United Life Company and what it has to offer, you can contact them directly or visit their website.

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