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  • Term Life Insurance Explained

    Level-premium term life insurance generally provides level insurance coverage and premiums for a limited period of time, typically a 10 to 30 year term. While affordability and simplicity are the key benefits of term life insurance, it comes at a cost. When the initial term is over, to maintain the same level of protection, premiums will most likely increase substantially. 

    Consider Protective Custom ChoiceSM Universal Life

    Consider Protective Life's Custom Choice Universal Life (UL) policy if you want affordable protection that guarantees a level premium and coverage amount for a specified period of time. Plus, it offers the comfort of knowing your premiums won’t suddenly increase after the initial coverage period ends.

    • Payment will stay level for an extended period
    • Options and flexibility to adjust to future changes in needs
    • Usually less expensive than other universal and whole life insurance products

    See how affordable rates can be. A 30-year old male could get $100,000 of life insurance coverage for 10 years for as little as $7.17 a month.*

    Here’s how it works: During the initial benefit period, usually between 10 and 30 years, the benefit and premium are guaranteed, providing you with maximum coverage for when you need it most. At the end of the initial benefit period, you begin to receive more modest coverage, but the premium required will not increase. Custom Choice UL appeals to those who anticipate their life insurance needs decreasing as they get older, but still want to leave their family money after they die.

    Get a free online quote.
    Call 1-844-733-5433.

  • *The monthly premium example is for a Protective Custom Choice Universal Life Insurance policy with a $100,000 death benefit for a 30-year-old male insured, Select Preferred underwriting class, with a 10-year guaranteed initial level benefit period. Premiums and face amounts listed are for the initial level benefit period. The level premium period 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. Different planned premium frequencies will require different total annual premium amounts. More frequent planned premiums will typically require higher premium payments to be made. Actual results will vary based on a variety of factors including age, gender, health and other underwriting factors.

    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.

    Lapse protection guarantees the policy death benefit for the duration of the guarantee and does not cover cash or surrender value. Loans, withdrawals and other policy and premium changes will affect the cost and length of protection. Failure to make premium payment as planned may cause the policy to lose lapse protection and premiums required to restore it could be significantly higher. Refer to the policy and endorsements for complete terms, conditions and limitations. WEB.1135.08.16

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    2 in 3 adults think life insurance is too expensive but overestimate its true cost by more than 2x.

    Source: 2016 Insurance Barometer Study, Life Happens and LIMRA

  • Rethinking term life insurance.

    If you’re considering getting term life insurance or group term life insurance, make sure you fully explore your options by talking with a Protective Life agent. While Protective Life doesn’t offer a term life insurance policy, we do offer a unique policy combining affordable premiums, guaranteed benefits for an initial period of time and the flexibility to continue coverage after the initial coverage period ends without premiums suddenly increasing. You also have the option to adjust your premium and coverage amount.
    Why Protective Custom Choice Universal Life.
    With a Protective Custom Choice Universal Life (UL) policy, the duration of your life insurance coverage can be customized. You choose the amount of coverage, and an initial level benefit period of anywhere from 10 years to lifetime. During the benefit period, and as long as you pay the scheduled premiums, the death benefit will remain level. With Custom Choice UL, after your initial level benefit period ends, the guaranteed death benefit will begin to decrease while the premium payment amount remains level. If your needs change and you want to maintain the current death benefit beyond the initial level benefit period, options are available to replace your policy.  Get a fast, free online quote.
  • Reviewers had an opportunity to enter a sweepstakes for a gift card in exchange for survey participation, regardless of opinion.