Protective Life is proud to offer Protective® Classic Choice Term — one of the most competitively priced term products on the market. Beginning January 13, 2020, you can offer this same great term solution at rates that are an average of 0.99% lower.1

No matter which way you quote Protective Classic Choice Term — in monthly or annual pay scenarios — Protective lands on top with our market-leading rates:

  • Top three — or better — 80% of the time in annual pay scenarios.2
  • Top three — or better — 91% of the time in monthly pay scenarios.2

Protective Classic Choice Term is perfect for clients looking for dependable term coverage at an even more affordable rate. Plus, by using Protective Velocity — our suite of digital capabilities — you can help make it easier and faster for your clients to receive their coverage. Our technology can help you streamline your business and go from application submission to sales commission nearly 20 days faster.

Transition Rules:

  • For ticket business and direct writers (not including NY): applications must be signed and received on or before Monday, February 10, 2020 to receive current rates.
  • For paper business: applications must be signed and received on or before Monday, January 27, 2020 to receive current rates.
  • Any application in underwriting on January 13, 2020 may choose between the old and the new version of the product.

For more information about our Protective Classic Choice Term product, or any of our other products, please contact your Protective Life representative.

Let’s deliver on our promises. Together.

For Professional Use Only. Not for Use With Consumers.
1 Slight increases within select pricing cells were imparted to maintain ranking.
2 Rankings current as of December 2019. Based on comparison of Protective Classic Choice Term monthly and annual premiums against 23 carriers, at quinquennial ages for three Non-Tobacco underwriting classes at durations of 10, 15, 20, 25 and 30 years.
Protective Classic Choice Term, policy form number ICC116-TL21/TL-21, and state variations thereof, is a level death benefit term life insurance policy to age 90, issued by Protective Life Insurance Company, Brentwood, TN. Policy form numbers, product features and availability may vary by state. Consult policy for benefits, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Premiums increase annually after the initial guaranteed period. All payments and guarantees are subject to the claims-paying ability of the issuing insurer.

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