Protective operates several divisions whose principal strategic focuses can be grouped into three general categories:
Each division is generally distinguished by products and/or channels of distribution. Information about the various Protective companies' distribution channels can be reviewed in the company descriptions included in the Corporate Overview section of this site. A description of some of the types of products available through Protective companies follows.
Life and Annuity Division. The Life and Annuity Division markets level premium term and term-like insurance products, universal life, and variable universal life on a national basis primarily through networks of independent insurance agents.
Visit the website at www.protective.com.
West Coast Division. The West Coast Division sells universal life and level premium term-like insurance products in the life insurance brokerage market and in the bank owned life insurance market.
Visit their site, www.westcoastlife.com, to learn more about the products they offer.
Asset Protection Products
The Asset Protection Division offers its products and services through automobile, marine, RV, and power sports dealers. Through these business partners, the Asset Protection Division offers consumers protection against unwanted losses they may experience after purchasing and financing major consumer assets such as automobiles, boats and recreational vehicles.
The Asset Protection Division is consistently investing in superior products and services through underwriting, administering and marketing its own programs. These programs include extended service contracts, GAP coverage, and credit insurance.
For more information regarding the products and services offered, please visit the Asset Protection Division website.
Retirement Savings and Investment Products
Stable Value Products Division. The Stable Value Products Division markets guaranteed investment contracts to 401(k) and other qualified retirement savings plans. The Division also offers related products, including fixed and floating rate funding agreements offered to the trustees of municipal bond proceeds, bank trust departments, and money market funds, and long-term annuity contracts offered to fund certain state obligations.
Life and Annuity Division. The Life and Annuity Division manufactures, sells, and supports fixed and variable annuity products. These products are primarily sold through stockbrokers, but are also sold through financial institutions and the Division's sales force. Visit the Annuity Service Center to learn more about some of the annuity products available.