Business Details
43 Years
experience
Trusted Life Insurance for Nevada Public Employees
Western Insurance Specialties has been dedicated to providing Nevada public employees and their families with reliable life insurance solutions since 1983. Our mission centers on delivering accessible, long-term financial security through voluntary supplemental life insurance plans designed to adapt to lifes changes. We prioritize personalized customer service, ensuring seamless payroll deductions and comprehensive support during the claims process. Our offerings include spouse, child, and accidental death coverage, along with emergency travel assistance and identity theft protection. With premium rates unchanged for over 35 years, we remain committed to affordability and stability. Policyholders retain ownership of their coverage, which can be maintained until age 99, even after leaving employment.Our streamlined enrollment process requires no medical forms for new hires within their first 60 days of employment. We provide year-round application acceptance and detailed guidance for policy modifications, including beneficiary updates, address changes, and adding or removing dependents. Our team ensures clear communication and straightforward procedures for policy continuation, cancellation, and billing inquiries. For over four decades, we have upheld our reputation as a trusted partner in safeguarding families futures through transparent, client-focused insurance solutions.
Services
Voluntary Supplemental Life Insurance
Spouse Coverage
Child Coverage
Accidental Death Coverage
Emergency Travel Assistance
Identity Theft Protection
Policy Continuation
Beneficiary Updates
Address Changes
Name Changes
Details
- Year established: 1983
Highlights and features
- We offer over 40 years of experience providing life insurance for Nevada public employees.
- Our policies can be retained until age 99, ensuring long-term security.
- Affordable premium rates have remained steady for over 35 years.
- New hires can enroll without a medical exam within the first 60 days.
- We provide comprehensive coverage options including spouse, child, and accidental death benefits.
Services
Voluntary Supplemental Life Insurance
We provide voluntary life insurance plans for Nevada public employees, offering financial protection for families. Policies include customizable coverage amounts and can be retained until age 99. Premium rates have remained unchanged since 1983, ensuring long-term affordability and stability for policyholders.
Spouse Coverage
Spouse or domestic partner coverage can be added within 30 days of marriage without medical questions. Policies remain transferable after employment changes, and updates require simple forms for NSHE or PEVLP members. This ensures continuous protection for life partners under stable rate structures.
Child Coverage
Children are covered until age 19 or 25 if full-time students. Parents can easily add or remove coverage using provided forms. Automatic removal does not occur upon aging out, requiring manual updates to maintain accurate policy terms for dependents.
Accidental Death Coverage
Accidental death and dismemberment benefits provide additional financial security for unforeseen incidents. This coverage complements standard life insurance policies, offering enhanced protection for policyholders and their families through straightforward claims processes and clear eligibility criteria.
Policy Continuation
Policyholders can maintain coverage after employment ends by completing continuation packets within 60 days. Monthly payments transition to direct bank deductions, ensuring uninterrupted protection until age 99. This process applies to both NSHE and PEVLP members with simple form submissions.
Questions
Can I keep my life insurance policy after retiring?
Yes, you own your policy and can keep it until age 99 by submitting a continuation packet within 60 days of your last paycheck.
How do I add a new spouse to my policy?
You can add a spouse within 30 days of marriage without medical questions using PEVLP forms or NSHE WorkDay systems for guaranteed coverage.
What happens to my policy during a leave of absence?
Contact us directly to set up manual payments; automatic payroll deductions stop during leaves, and missed payments terminate coverage permanently.
How do I update my address or beneficiary?
Use PEVLP forms or NSHE WorkDay to update addresses or beneficiaries, ensuring accurate policy records for communication and claims processing.
Can I cancel my policy anytime?
Yes, cancellation is possible at any time via PEVLP forms or NSHE WorkDay, but terminated policies cannot be reinstated after the effective billing cycle.
