West Coast Life has been in business since 1906. In 1997, the company was acquired by Protective Life Insurance Company of Birmingham, Alabama. Protective Life, a subsidiary of Protective Life Corporation, was founded in 1907. As of December 2001, Protective Life had over $19.7 billion in assets.

Golden G 20 has guaranteed level premiums for 20 years, and is both renewable and convertible. Renewability -- Subject to evidence of insurability, you may qualify for a re-entry premium at the end of the 20th policy year if you are under age 66. If you are unable to requalify due to poor health, you can continue coverage to age 100 by paying renewal premiums which will increase annually to age 85, and every five years thereafter.

You may convert to any eligible form of permanent insurance offered by West Coast without further evidence of insurability during the first 20 years, but no later than the policy anniversary immediately following your 75th birthday.