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Life insurance can help provide financial protection for your beneficiaries – for both personal and business needs.
Life insurance from Protective can help provide financial security for your loved ones when they may need it most.
You may have heard of term or permanent* life insurance but weren’t sure how they differ. Here’s a quick look.
*As long as required premium payments are timely made.
**Withdrawals and loans will reduce the cash value and death benefit of the policy.
Within the permanent insurance category, there are two main types: whole life and universal life
Find a Policy tool or review the chart below to get started.
We’ll be happy to help you evaluate what type of policy might be right for you. For some types of insurance, such as Protective Custom Choice UL, we can provide an online quote. Or call us, and we’ll walk you through your options.
Major life events affect your life insurance needs. You might consider layering policies to have more coverage at certain times - such as when you have children at home or when you’re starting a business.
Employer-provided life insurance can't always go with you, but a personal policy will not be dependent upon your employment status.
Taking on a mortgage means you need to evaluate whether you have enough coverage to offset this new debt.
From reviewing the amount of coverage to changing beneficiaries, marriage or divorce is a critical time to reevaluate your life insurance needs.
More kids likely means you need more coverage. You'll want to plan for your child's future financial needs.
Covering a business owner can allow for a smooth transition if the worst happens.
You may find that life insurance becomes less about insuring your income and more about protecting assets as you near retirement.
For more information on life insurance options, give us a call at 1-844-733-5433 and talk with a Protective Life Agent. Or get a free online quote for Protective's Custom Choice UL.
Life Insurance Basics
What is Life Insurance?
Why get Life Insurance?
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Protective Custom Choice UL (UL-22) is a universal life insurance policy issued by Protective Life Insurance Company, Birmingham, Ala. Policy form numbers, product features and availability may vary by state. Consult policies 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. All payments and all guarantees are subject to the claims-paying ability of Protective Life Insurance Company. The tax treatment of life insurance is subject to change. Neither Protective Life nor its representatives offer legal or tax advice. Please consult with your legal or tax adviser regarding your individual situation before making any tax-related decisions.
Investors should carefully consider the investment objectives, risks, charges and expenses of the applicable variable universal life insurance policy and its underlying investment options before investing. This and other information is contained in the prospectuses for the applicable variable universal life insurance policy and its underlying investment options. Investors should read the prospectuses carefully before investing. Prospectuses may be obtained by contacting PLICO at 800.265.1545.