Life Insurance

Life insurance is a valuable planning tool that can be a part of your overall financial strategy, it can stand alone as a single source of protection. It provides security for your loved ones when they need it most, and it can also be tailored to protect your business interests.

For your family, choosing the right life insurance can alleviate the added burden of financial concerns in the event of the unexpected. For your business, a life insurance policy can be extended to cover business debt, fund buy-sell agreements or provide key person coverage.

Properly planning for your life insurance needs today can help provide a lifetime of financial security tomorrow.

The Protective family of companies offers an extensive portfolio of flexible, innovative products and services to help meet your life insurance needs.

Term and Alternative to Term

Our smart, customizable fixed-term solutions offer an affordable alternative to permanent life insurance options.

Increased personal choice
Provides guaranteed death benefit protection for specific period of time
Affordable initial-level premiums
Comprehensive coverage, with variety of optional benefits and riders
Option to renew or convert to permanent insurance later

Universal Life

We provide a variety of affordable, flexible and innovative Universal Life Insurance options to meet your long-term needs.

Potential for cash-value accumulation
Access to your policy value
Flexible premiums
Adjustable death benefit
Lapse protection available
Optional endorsements and riders

Survivorship Life

Also commonly referred to as Joint Survivorship or Second-to-Die life insurance, this policy option can be an effective tool in meeting your estate planning needs.

Insures the lives of two people, typically a husband and wife
Death benefit paid at death of second insured
May be more affordable than purchasing two separate policies

Whole Life

Our innovative, comprehensive Whole Life Insurance products offer permanent protection for your long-term insurance and financial goals.

Single-premium product available
Ideal for wealth preservation and asset accumulation
Provides access to your policy value for life
Non-participating product available for conversions
Offers tax-deferred cash value growth
Provides permanent life insurance protection

Single Premium Variable Life

We offer this unique, flexible tool specifically for individuals looking to plan for and protect long-term financial needs, such as wealth transfer and estate considerations.

Combines death benefit protection with long-term investment potential
One-time premium payment
50+ investment options from some of the world’s foremost and respected fund companies
Model portfolios designed by the experts
Optional lapse protection and long-term care riders

Variable Universal Life

Our unique, customizable Variable Universal Life insurance solutions combine comprehensive lifetime coverage with long-term investment potential.

Valuable tool for both personal and business use
50+ investment options from some of the world’s foremost and respected fund companies
Model portfolios designed by the experts
Lapse protection endorsement included
Variety of optional, supplemental benefits and riders