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  • Costco Members save up to 20%*

  • Ready to start protecting your family? Get a free quote and apply today.

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  • Quality Life Insurance. Simple Application Process.

    Protective Life Insurance Company makes it easy and convenient for Costco members to apply for the dependable life insurance coverage they want through a simplified, streamlined online process that’s as close as your fingertips. Get a free quote today! Not a Costco Member, yet? Join here. Executive Members receive additional savings.

  • “The process was simple & painless. Their patience was great as I had a lot of questions & was responsible for holding it up.”

    Adam
    Kirkland, WA

    “I applied for life insurance through Costco. Protective Life was very competitive. The best rate actually. Very easy process. I enjoyed knowing it’s a good product because of the faith I have in Costco.”

    John
    Aurora, CO

    “I applied for life insurance with Protective, anticipating a high premium. I was pleasantly surprised when they offered me a much lower preferred rate. Truly an excellent value.”

    Colin
    Woodbridge, VA
  • Exclusive Offer for Costco Members

    See how we compare to leading life insurance competitors.1 Get $500,000 in coverage for as little as $25.50/month.2

    3 Reasons

    to purchase Life Insurance with Protective Life

    Costco Member-Only Offer
    Up to 20% savings*


    Flexible Coverage
    10 or 20 years with the option to change or extend coverage


    Financial Stability
    Protective Life has served families for more than 100 years


    Why Protective

    Your Life Insurance Quote from Costco & Protective

    Fill the Need for Dependable Life Insurance Coverage

    Costco collaborated with Protective Life Insurance Company to offer reasonably priced coverage with special entry level pricing for the first five years that you own your Member Advantage Life UL® policy.

    This is life insurance coverage from a stable insurer with more than 100 years of experience securing the futures of families across the country.

    Exclusively available to Costco customers, this coverage is yet another way Costco is working to serve members and their members’ loved ones.

    Protect Your Loved Ones

    You’ll find more information about protecting your family’s future financial security, including important details about universal life insurance policies through the Protective Costco program.

    You’ll be able to quickly and conveniently get a life insurance quote and start the easy application process right away.

    The Type of Life Insurance Policy Matters

    Protective Life’s Member Advantage Life UL can offer a level premium and coverage amount from 10 to 20 years.

    With this universal life insurance policy, you also have the option to change your premium and coverage amount to suit your needs. If you’re looking for an affordable life insurance policy that won’t suddenly have you paying much higher premiums after the initial coverage period ends, you’ll find it with a Member Advantage Life Insurance policy developed specially for Costco members.

    Protective & Costco Make it Easy

    It’s easy and convenient for Costco members to apply for the dependable life insurance coverage they want through a simplified, streamlined online process that’s as close as your fingertips.

    Get your free life insurance quote from Protective Life today! If you need help during any step of the application process, Protective Life is here for you - simply call 1-844-740-5433, and we’ll be happy to assist.

    Beyond your free life insurance quote, we are here to help you complete your application and begin the process of protecting your family’s future through a life insurance policy.

    Member Advantage Life (ICC12-UL22/UL-22) is a universal life insurance policy issued exclusively to Costco members by Protective Life Insurance Company (PLICO), Birmingham, AL. Not available in New York. Policy form numbers, product features and availability may vary by state. The level premium period may be extended beyond the initial level benefit period, however the death benefit for the Member Advantage Life UL will decrease each year after the after the initial level benefit period until it reaches $10,000, at which point premiums will begin to rise. Consult policy for benefits, riders, limitations, and exclusions. Coverage and pricing is subject to eligibility and underwriting criteria. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana unisex rates apply. Any quote that is present is only an estimate and the actual premium and rate class will be determined after the underwriting process is completed. Costco Insurance Agency, Inc. and Costco Wholesale do not issue, underwrite insurance or pay claims under PLICO policies. Insurance is underwritten by PLICO.

    Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from PLICO and/or its affiliates. CIA and their affiliates do not guarantee the services of any insurance company. PLICO and its affiliates are separate, independent of and distinct from CIA. CIA is not responsible for the financial condition or obligations of PLICO. The California license number for Protective is 07726. The California license number for Costco Insurance Agency is 0D08407.

    CIA is licensed to sell PLICO products to the members of Costco Wholesale Corporation (CWC). Costco and CWC are affiliates, collectively referred to as Costco. Protective and Costco are separate, independent entities and are not responsible for the financial condition, business, or legal obligations of the other.

    * Percentage is based on premium comparisons with leading direct term writers. Premiums were compared to a Member Advantage UL insurance policy with a $100,000 death benefit, standard non-tobacco underwriting class and a 5 x 15-year level benefit period. Rates are effective as of February 27, 2017, vary by carrier and are subject to change without notice.

    1Savings based on premium comparisons with leading national life insurance carriers’ term products. Premiums were compared among the premiums for the first 5 years of the Member Advantage Life insurance policy and competitors’ term products with select preferred, non-tobacco underwriting class and a 20-year level benefit period. Rates are effective as of February 27, 2017 vary by carriers and are subject to change without notice.

    2 Based on the first 5 years of premium of a Costco Gold Star or Business Membership, 20-year period, $500,000 face value for an eligible 40-year-old male at the select preferred non-tobacco rate. Monthly premiums for the Member Advantage Life insurance policy will increase at year six. Face amount listed is for the initial level benefit period. The level premium period, which begins in year 6, may be extended beyond the initial level benefit period, however the face amount will begin to decrease annually until it reaches $10,000, at which point premiums will begin to increase. Actual results will vary based on a variety of factors including age, gender, health and other underwriting factors.

    Life Insurance for less than 55 cents a day: Based on a 20-year period, $250,000 face value for an eligible 40-year old male at the select preferred non-tobacco rate.

  • Need help? Speak to one of our Member Advisors. 1-844-740-5433