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Acceptance for coverage and pricing is subject to eligibility and underwriting criteria. Member Advantage Life® (ICC20-TL21R/TL-21R), is a term life insurance policy issued exclusively to Costco members by Protective Life Insurance Company (PLICO), Omaha, NE. Not available in New York. Policy form numbers, product features and availability may vary by state. 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. 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.
10-, 20- and 30-year level premium terms available with a reduced premium for the first five years.
Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from PLICO and/or its affiliates. CIA and its 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.
When you visit Protective's websites, we may collect personal information from you via your browser or device, or through the use of cookies, analytics tools, and other technologies. You can exercise your privacy choices by completing a 'Do not sell or share my personal information' request or a 'Limit the use of my sensitive personal information' request. Please visit our Privacy Policy for more information about our information practices, including information about your privacy choices.
Savings is based on first year annual premium comparisons between Protective’s Classic Choice term product and the Member Advantage Life term product. The guaranteed premium will increase in policy year 6 and then remain level for the remaining level period (5, 15 or 25 more years) and after the full level period (10, 20 or 30 years) the premiums will increase annually immediately following the full level period. Rates are effective as of July 20, 2026, vary by carrier and are subject to change without notice.
WEB.614307.04.26
10-, 20- and 30-year level premium terms available with a reduced premium for the first five years.
Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from PLICO and/or its affiliates. CIA and its 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.
When you visit Protective's websites, we may collect personal information from you via your browser or device, or through the use of cookies, analytics tools, and other technologies. You can exercise your privacy choices by completing a 'Do not sell or share my personal information' request or a 'Limit the use of my sensitive personal information' request. Please visit our Privacy Policy for more information about our information practices, including information about your privacy choices.
Savings is based on first year annual premium comparisons between Protective’s Classic Choice term product and the Member Advantage Life term product. The guaranteed premium will increase in policy year 6 and then remain level for the remaining level period (5, 15 or 25 more years) and after the full level period (10, 20 or 30 years) the premiums will increase annually immediately following the full level period. Rates are effective as of July 20, 2026, vary by carrier and are subject to change without notice.
WEB.614307.04.26