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Washington National Health Insurance Company

Overall Rating33333
Customer Service3.13.13.13.13.1
Network2.92.92.92.92.9
Plans3.073.073.073.073.07

A review of the Washington National Health Insurance Company shows that the company is a subsidiary of the CNO Financial Group. Until 2010, CNO was known as Conseco. CNO Financial is a holding company for several well-established insurance companies in the United States.

For free up-to-date health insurance quotes in your area, enter your zip code here!

Subsidiaries of the CNO Group include:

  • Conseco Health Insurance Company
  • Conseco Insurance Company
  • Conseco Life Insurance Company
  • Bankers Conseco Life Insurance Company
  • Bankers Life and Casualty Company
  • Colonial Penn Life Insurance Company
  • 40/86 Advisors
  • Washington National Insurance Company

Washington National Company Information

Washington National Insurance Company has been in business for almost 90 years. Founded in 1923, Washington National specializes in life insurance and supplemental health care products designed to help their many policyholders face the financial hardships that often accompany accidents, serious illnesses or the death of a loved one.

Washington National maintains more than 5 billion dollars in assets with 925 thousand in-force policies representing almost 600 million dollars in annual premiums. Washington National is based in Carmel, Indiana:

Washington National Insurance Company
11825 North Pennsylvania Street
Carmel, Indiana 46032
866-595-2255

The Washington National website, is currently under construction. Policyholders may obtain information through the CNO Group site.

Washington National Ratings

Since the merger with Conseco in 2010, A.M. Best ratings for Washington National now include the entire CNO Group. A.M. Best rates Washington National “B,” or good, for financial strength. Best gives the group a “bb” as a credit rating.

Washington National in the News

In June 2011, Washington National announced the addition of a new term life program to its existing portfolio of insurance products. This new program combines the benefits of traditional term insurance with enhancements for those with critical illnesses. The program focuses on wage earners during their peak earning years.

The new policy provides level benefits and short or long-term coverage options until a worker reaches the age of 65. It also features lump sum payments up to $3000, which would help to defray expenses due to a sudden serious illness. These payments would have no effect on future death benefits.

ColonialPenn Products

Another integral part of the new CNO Insurance Group is the well-known ColonialPenn Insurance Company whose motto is, “We make insurance simple.” The ColonialPenn homepage, features company spokesperson Alex Trebek of TV’s popular “Jeopardy” game show endorsing the ColonialPenn insurance program for older adults. This program is geared for adults aged 50 – 85 years of age and features:

  • Acceptance guarantees
  • Permanent protection afforded by whole life insurance
  • Level rates for life

Instant, no obligation quotes for this ColonialPenn life insurance product can be obtained online and as TV personality and ColonialPenn representative, Alex Trebek will tell you, “Your acceptance is guaranteed!”

For those under age 50 ColonialPenn offers its family “Protector” program. Usually no medical exam is required. Other features of this program include:

  • Up to $100 thousand in term insurance coverage
  • Low rates locked in for up to 20 years
  • Speedy approvals
  • Riders to cover a spouse or children
  • Simple application process

Other ColonialPenn products include:

  • Whole life, for individuals age 45 – 75 that builds cash value after year one and continues to grow, with benefit amounts of $5, $10, $15, $20, or $25 thousand.
  • For those aged 18 – 75, ColonialPenn offers its 5-year renewable term policy with benefit amounts the same as its whole life program listed above. There is also a 20-year term option with level premiums and benefits.
  • ColonialPenn now offers Medicare supplemental insurance coverage. For more information, contact a local ColonialPenn representative by calling 800-800-2254.

ColonialPenn Quotes

Instant quotes are available on line for all ColonialPenn life insurance products.

Bankers Life Insurance Products

Bankers Life Insurance Company offers a number of medical insurance programs which round out the CNO Financial Group portfolio of insurance programs. These include:

  • Long term and home health care policies
  • Medicare drug coverage
  • Medicare advantage plans

Bankers Life also offers a variety of annuity programs, with flexible premiums or a single premium option. Of course, Bankers Life offers traditional life insurance programs including, term and whole life and universal and permanent life policies.

CNO Insurance Group in the Community

CNO employees nationwide give generously of their time, money, and talents. In 2009, they volunteered more than 14,500 hours to worthwhile community service efforts, assisting more than 100 different not-for-profit groups.

The CNO Insurance Group name is recognized worldwide for its sponsorship of the Conseco Fieldhouse, home to the Indiana Pacers basketball franchise and many other sporting events, concerts and public functions.

For free up-to-date health insurance quotes in your area, enter your zip code here!

 

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29 reviews

    • 11111
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    I submitted a claim for $1,604 for my cancer policy. This is the amount that remained after payment by my primary insurance. The total of $1,604 was for diagnosis in the doctor’s office, the lab analysis and pathology report, anesthesia, and the surgery (removal of the cancerous lesion and skin graft). Washington National is paying $350 of this. What a joke.

    Buyer beware!!!! (Note: Apparently a rating of zero stars or a half/quarter star is not allowed. I would give this company zero stars if that were allowed.)

    • 55555
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    We had a claim on our Accicent Policy for my daughter’s broken leg. We received our benefits as stated in the policy one week after we faxed in the claim. Very impressed!

    Also, Like that we will get all of our premiums returned after 20 years of keeping the policy in force.

    • 22222
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    Came to this site because I’m interested in whether or not the Cancer Insurance is worthwhile and whether the exclusions, limitations, exceptions, etc., effectively eliminate the benefits I’m expecting if cancer is ever diagnosed. Jury still out.

    However, I must inform and warn everyone, DO NOT be fooled into paying to get your premiums back. You are not really getting your premiums back, you are only getting back the extra money back you are paying them in order to get your premiums back. Check the charges and you will see you are paying extra money each month beyond the premium cost.

    Add that money, use a compound interest calculator online and a 5% compound interest, X 12 months, X 20 years and you will see you are only getting back the extra money you are giving them and they are using. You can put the same $$ each month in the bank at 2% interest and get most of it back yourself AND have it be a financial asset for your credit rating while you’re doing it.

    Don’t be fooled.

  • Jeff Shouger /
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    Washington National has the worst customer service ever. I would stay away.

    • 11111
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    Good luck canceling your policy after the 20 years, return of premium policy ends!!!!

    6 months have passed since we cancelled with our agent and they keep sending bills. They claim our agent never cancelled the policy. So they requested written cancellation. We sent a letter. Then they said they needed a form filled out. Still battling with them after 6 months. Our agent never told us any of this. Said it was cancelled.

    Beware fraud!!! Plus you can’t get a United States customer service representative and they won’t transfer you to their home office in Indiana. Americans screwing Americans! How nice!!!

  • roger donahue /
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    I was presented 2 policies-1 for cancer and 1 for accidental injury. In the fine print of the accidental policy, there was a statement about the policy only being available to members of the HOPE foundation.

    When I called the toll-free number to find out about the HOPE foundation the person said it was for charity but did not know what charity or what HOPE stood for. He said it was $5 per month, then said 5cents a month but could not tell me what the charity was for. This was after a long pause.

    I feel very sorry for the young salesman because he didn’t mention the fine print and the cost in addition to the base policy. Evidently there are some things that he either chose not to tell me or he was not aware of. The thing that bothered me most was he was from Chicago and anything from Chicago I am wary of since I live 90 miles from there.

    Internet reviews on this company are mixed at best but it looks like these policies leave much information out such as hidden charges etc. The old saying is “if it sounds too good to be true it probably isn’t true”. I did not take either policy.

    • 44444
    • 55555
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    • 55555

    Washington National returns all the money that was put into the policy. Yes, your premiums are more because of this feature, but you get it ALL back. Essentially, all it is costing you is the interest you would gain in the bank- and I don’t know where you are banking, but getting 2% in a savings account is pretty rare in today’s economy.

    So in lieu of the very small amount of interest that is gained, you get really good coverage. Should a serious illness actually happen, you get the benefits paid, plus you still get ALL of the money back that you put into the policy, so essentially, you make money.

    • 55555
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    Washington National pays claims based on what level of coverage you choose, not what the actual bill that you received states. More often than not you get paid for things that you don’t even receive a bill for.

    If you got paid a smaller amount it is probably because you selected a low-level plan, which was probably explained when you bought it. Not only do they pay as promised, but they do so in a timely manner.

    As far as the return of premium, I have personally seen the return of premium pay off, and it was exactly what was paid into the policy. As far as I know, they are the only company in the USA that returns all of the premium even if you use it!

    Thank you Washington National Insurance for your exceptional service.

  • T. Scruggs /
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    Washington National is very inconsistent and unpredictable in regards to paying claims. It’s as if they look for any reason to deny. Their customer service representatives are not well trained.

    They have listed incorrect information on my claims. They are very difficult to work with concerning requirements for a claim. I would not recommend this company at all.

  • Constance McMorris /
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    I purchased heart, accident, and cancer policies from Washington National in 2006. My husband passed away in August of 2013 of a heart attack. He was pronounced dead in the ER. Washington National was faxed and mailed the death certificate and hospital bills.

    I was then told that they needed PROOF that he died of a heart attack. When the hospital furnished a letter stating that his cause of death was a heart attack, I thought there would be no problem. After more time passed, I called and was told that the policy states that he must be ADMITTED as a patient.

    Likewise, the ambulance charge is not covered unless he was admitted as a patient. NOTHING in the ER was covered because my husband was pronounced dead in the ER and therefore was not ADMITTED AS A PATIENT. When the policy was explained to me, it seemed as if the covered person’s best interest was important.

    Apparently, no consideration was given for a heart attack patient who does NOT survive past the Emergency Room. This makes me wonder if Washington National’s policy is purposely worded with the intent of NOT covering the approximate 30% who do not survive a heart attack because they die before reaching the ER or when they get to the ER.

    • 33333
    • 11111
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    When I bought my cancer policy 20 years ago, this company was called Jefferson Nat’l, so somewhere along the way, the name was changed.

    Regardless, I will say that IF you can get the company to pay, it pays well. My complaint is that it takes multiple phone calls to get a payment. I’ve never seen so much runaround and so many excuses as to why my claim has not been processed or mailed.

    Then I wait 3 weeks or so and call back and get more run around. If you want to get a claim check from Washington Nat’l, plan on making a lot of phone calls and document everything you are told.

    Another problem is that I am not able to track my activity online (as per the recorded message) because I am told that my policy is too old. In short, their claim process is slow, unreliable and outdated.

    • 55555
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    • 55555

    I couldn’t be happier with my Washington National supplemental policies. My accident policy claim was paid, in about a week, exactly as promised when I had a broken ankle.

    I received my return of premium on both my cancer and accident policies earlier this year – and I still have the same coverage in force at the same price. I will get another return of premium in 20 years.

    I don’t know of any other supplemental carrier that can boast of returning as much premium over the years as Washington National! Great product, great service.

  • sarah brown /
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    This is the worse customer service and insurance policy you could ever get …. its been 3 months and I still have not received any payments due to after my policy was canceled 5 payments from my check was made…..

    I called them and they play dumb like they don’t know what’s going on and my money just floating around somewhere ….. I lost over 500.00 just trying to make sure me and my husband were covered …..

    and this policy is a waste of time and money ….. it was so serious I had to submit a review u get no stars a 0 rating I could have done many other things with my money instead of wasting my time with Washington national insurance ….. I hope your customers drop like flies …..

  • Holly Harmon-Giles /
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    Not only did they have my social security number wrong, they have don’t have me down for the cancer insurance policy and I am paying into it!

    No help from customer service. I’m about to just cancel all insurance policies and go somewhere else.

    • 55555
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    • 44444
    • 55555

    I find the responses left from folks in on this website regarding Washington National Insurance disturbing.

    Insurance, in general, can be complicated regarding the specific details found in any policy. Not to mentions all the parts involved with the acceptance/agreement process which include the clients, the agent, the policy and the insurance entity itself. Not to mention the customer service, underwriting, and other departments that participate in the transaction.

    It is the policy owner’s responsibility to go through the policy. Any concerns or questions within the policy should be directed to the agent that presented the information, often via a brochure. The brochure is a guide or gauge to describe what benefits will be paid when the policy is used.

    It is standard practice for the agent to always recommend that the new clients read the policy thoroughly and carefully. Most policy guidelines allow a 10 day “free look” which allows the clients to perform their review of the policy and cancel if they were given a misrepresentation during the brochure presentation.

    Unfortunately, there are cases when the agent by intent or accident, misrepresents the information to the new clients. It has been in my experience as an agent representing Washington National to witness both sides of an issue. What I have found are three components that have caused confusion.

    Negligent clients and agents, errors in forms filled out by hospitals and doctors and failure to contact agents when problems first develop. Most agents are here to help provide coverage and more importantly assisting their clients during the claims process. Agents are aware of the system and the resources to help expedite the information to receive their client’s benefits.

    I have met dozens of long term clients that have been extremely satisfied with their policies provided by Washington National. Not only have they received benefits as promised to them in addition to a full, 100% return of their premium dollar. I too was reluctant to represent Washington National and its products in my early days.

    After, meeting with these clients have found they were paid as promised. The benefits came as expected and the return of premiums were paid, promptly delivered by an agent like myself. I am going off of personal experience as an agent and I am proud to say I am one that is helping folks protect their families from non-medical, out of pocket expenses with reassurance of their hard earned money back regardless of claims!

    I will encourage my clients to speak about their experiences, good or bad, on this site to provide a balanced view of the insurance practices performed by the company I represent.

  • George Barbuto /
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    Considering the cancer and accident insurance, the mixed reviews leave me mixed.

    Do you really get money back if you use the benefits or is it minus the amount you used? Low rates due to questions….not fact based yet

  • J Johansen /
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    Pay your premiums for 25+ years and then try to collect the benefits promised in the insurance CONTRACT and cashback rider! This company has representatives that are overly polite and simply stall so that you never collect.

    If this company stalls long enough, you die and the payment problem is solved. The Indiana insurance commission should be embarrassed that they let this company remain in business. The rating should be NO STARS!

  • Jeff Campbell /
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    This company is a JOKE! No customer service that is helpful. Refusing to pay after 20 years like they said.

    • 11111
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    Do NOT purchase anything from this company! They will keep charging your checking account AFTER you have notified them that your spouse has died. They will pay out on one policy and refuse to pay on a second very capriciously even though you’ve paid responsibly for decades.

    Oh, and they will tell you that they have no record of the first policy. YIKES!

    • 11111
    • 22222
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    Read the fine print of the so-called cancer insurance policy! I have bladder cancer, filled out the forms. I have been denied or they want triple forms that they ask for again!

    IN THE MEAN TIME, they get their premium and let you spend time with mounting cancer bills. I canceled their policy! Now I can use some of it to pay debts!!!!!

    • 55555
    • 55555
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    • 55555

    I highly recommend Washington national Insurance Company . My experience has been top notch with the agent representatives and the claims department. I have already received 100% of my Return of Premium on my cancer policy and will be getting 100% of all my premiums back on my heart and accident policies too.

    In addition, I have received also cash benefits from my policies for claims as well. I don’t understand how people can not understand how this works. I am so glad and happy me and my family have all this coverage and the peace of mind it brings….I do not know of any other insurance company who will return 100% all of my premiums back to me even if I file claims.

    What a great insurance company. God bless us all with good health, peace, and happiness.

    • 55555
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    Wow. What a company!!!!! U get all of your money back even if you use it!!!!!!! What a no BRAINER!!!!! At least it’s not a return of premium minus claims. That’s how it used to be.

    I think some companies still do the return minus claims. I will never do that….. But to get it all back even if it is used is amazing. Buy Buy Buy. What’s your loss?

    You don’t have one.

    • 55555
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    All of my claims were paid as promised. Not to mention I received 100 percent of my premium back. Even though I have health insurance.

    Thank you, Washington National. I will tell all of my friends and people in my community about you.

    • 55555
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    • 55555

    Please buy this insurance. It saved our Farm. 100 percent tax free $. Stay away from other companies. Especially if they don’t offer a 100 percent return even if used. This company does. Washington National is the way to go in my opinion.

  • Pauline W Harrelson /
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    I have had a cancer policy with return of premium with Conseco for many years.

    My husband died in 1995. He developed cancer and during his illness, they paid according to schedule benefits and paid promptly when filed, never one question asked. Of course pathology reports, doctors records etc. were sent along with claim. I always tried to have correct information with each claim.

    After his death, 2 fine representatives came to my home, offered their sympathy for my loss. At this time I purchased the top policy for myself. In April 2015, my 20 years pay will be up, I’m expecting to hear from the company any day.

    I worked with a lady that had the same policy on she and her husbands, she called me in the fall of 2014 stating that their premiums had been returned in full. If this doesn’t happen in my case, I will so comment.

    Knowing the company and my dealings in the past I expect nothing but professional agents to contact me just as before. Best insurance company I have EVER dealt with. Rest assured if operations aren’t up to standard I will be more than happy to give an update.

    • 55555
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    GREAT company!!!

    I just received a check for $7400 the amount of premiums that I paid for my family cancer policy the past 20 yrs. I had forgotten that I was due the money. You can imagine my surprise when the agent showed up at my job to hand me the check!!!

    The best part is that the money is TAX-FREE!!!! Plus the agent informed me that my policy stays in force with NO cost increase!! I could not be more pleased

    • 55555
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    I’m not sure why so many bad reviews!! Although while reading I realized a lot of them are from people who haven’t filed a claim!!

    We took out a cancer policy with Washington National in hopes that we would never have to use it, the agent that assisted us was wonderful. He explained everything about the policy and the benefits!

    In the brochure, it specifically tells you what the payout for the services will be whether your primary insurance covers them or not. My husband was later diagnosed with cancer and from day 1 they have been awesome!!!

    I called when we received the diagnosis and the first check arrived the next afternoon!! You can’t ask for better than that!! My husband was out of work for over a year with 2 surgeries, chemo, & radiation and if it had not been for our Washington National Cancer Policy I’m sure how we would have made it.

    I submitted all the forms they asked for and within a few short day, a check would arrive!! I never had a problem receiving payment, they paid for everything that was promised in the brochure with no questions asked!!! Cancer sucks, but this policy is great!!

    • 44444
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    I have been paying on a return of premium Cancer plan through Conceco/Washington National for 23 years with an assured 100% payout at 25 years. I misplaced my policy and read a lot of these reviews and was terrified that all that money would just be a hard lesson learned.

    Out of sheer desperation, I called the customer service number and gave them my policy number (which I luckily had, as it didn’t find me with my birthday) and was surprisingly amazed by the rep I spoke with.

    Greg was very informative and confirmed the plan’s payout just as it had been discussed many years ago. I have a copy of my policy on the way. I am writing this review for all those people that may be in my position and feel there is no hope for the company to fulfill their obligations.

    I was treated very well and have faith they will pay out, minus any claims.

    • 55555
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    Daughter bought the Washington National Accident policy on her family. 2 days after the policy was issued my granddaughter twisted her ankle and was treated at an Emergency Care facility. The policy called for a $250.00 benefit.

    The company issued and mailed the check the next day after my daughter faxed the claim into them. Wish I were young enough to buy the plan on myself and my wife.

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