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About the product - Member Advantage® Life Term

Help clients get retirement ready with Product Name Here, designed to protect them from major market losses and optimize every hard-earned dollar.
Brandon Anthony, Business Systems Analyst
“My position focuses on agile processes, prioritization of tasks after meeting with stakeholders, what the outcome should be, where our ‘cans’ and ‘cannots’ fall within the tasks and expectations, and relaying those needs over to our development team.”
Male Protective employee standing near elevator
Male Protective employee standing near elevator
Brandon Anthony, Business Systems Analyst

In the role of business system analyst and scrum master, Brandon is responsible for the coordination and implementation of new technology projects and processes, including testing and data integration efforts, project tracking and documentation, and analyzing and resolving systems-related issues.


Brandon majored in business management and minored in finance at the University of North Alabama. He spent over a decade in the banking industry as a fraud and cash operations analyst, business analyst and compliance project manager before joining Protective.

More about Brandon
The opportunity to expand beyond requirements collection and get more exposure to the development side of application development is what drew Brandon to his current position. “That exposure allows me to communicate effectively to the stakeholders and see limitations before going back to the development team,” he says. “It helps me to be a stronger team member.”

What is a typical day like as a business systems analyst?
A typical day for Brandon includes a morning stand up meeting where the team gets up to speed on current projects. He then takes any requirements and requests from that meeting and reaches out to other teams to get questions answered and set up meetings if needed. “It’s a role of building relationships across the board,” he says. “Someone in this position must be a people person and enjoy interaction. They should also be team-oriented and open to change.”

Brandon works on a wide range of projects, from structuring databases so people can run internal reports to developing applications that analyze products in order to provide current status and predictions. He says one of the most enjoyable parts of his job is getting to meet different people. “Everybody is easy to talk to and easy to work with,” he says. “Everybody is really open, really friendly and approachable. I never felt like the new guy. And there’s a lot of opportunity for growth. I’ve yet to feel like I’ve been put in a box.”
Brandon Anthony, Business Systems Analyst

In the role of business system analyst and scrum master, Brandon is responsible for the coordination and implementation of new technology projects and processes, including testing and data integration efforts, project tracking and documentation, and analyzing and resolving systems-related issues.


Brandon majored in business management and minored in finance at the University of North Alabama. He spent over a decade in the banking industry as a fraud and cash operations analyst, business analyst and compliance project manager before joining Protective.

Male Protective employee standing near elevator
More about Brandon
The opportunity to expand beyond requirements collection and get more exposure to the development side of application development is what drew Brandon to his current position. “That exposure allows me to communicate effectively to the stakeholders and see limitations before going back to the development team,” he says. “It helps me to be a stronger team member.”

What is a typical day like as a business systems analyst?
A typical day for Brandon includes a morning stand up meeting where the team gets up to speed on current projects. He then takes any requirements and requests from that meeting and reaches out to other teams to get questions answered and set up meetings if needed. “It’s a role of building relationships across the board,” he says. “Someone in this position must be a people person and enjoy interaction. They should also be team-oriented and open to change.”

Brandon works on a wide range of projects, from structuring databases so people can run internal reports to developing applications that analyze products in order to provide current status and predictions. He says one of the most enjoyable parts of his job is getting to meet different people. “Everybody is easy to talk to and easy to work with,” he says. “Everybody is really open, really friendly and approachable. I never felt like the new guy. And there’s a lot of opportunity for growth. I’ve yet to feel like I’ve been put in a box.”
Male Protective employee sitting in conference room
Je’Cory Ross, Sr. Software Developer

“I wasn’t familiar with the insurance industry. As a developer, the day-to-day can be different depending on what industry you support. The idea of learning something new was appealing.”

Brandon Anthony, Business Systems Analyst
“My position focuses on agile processes, prioritization of tasks after meeting with stakeholders, what the outcome should be, where our ‘cans’ and ‘cannots’ fall within the tasks and expectations, and relaying those needs over to our development team,” he says.
Male Protective employee standing near elevator

More about Brandon


Brandon majored in business management and minored in finance at the University of North Alabama. He spent over a decade in the banking industry as a fraud and cash operations analyst, business analyst and compliance project manager before joining Protective.

The opportunity to expand beyond requirements collection and get more exposure to the development side of application development is what drew Brandon to his current position. “That exposure allows me to communicate effectively to the stakeholders and see limitations before going back to the development team,” he says. “It helps me to be a stronger team member.”

What is a typical day like as a business systems analyst?
A typical day for Brandon includes a morning stand up meeting where the team gets up to speed on current projects. He then takes any requirements and requests from that meeting and reaches out to other teams to get questions answered and set up meetings if needed. “It’s a role of building relationships across the board,” he says. “Someone in this position must be a people person and enjoy interaction. They should also be team-oriented and open to change.”

In the role of business system analyst and scrum master, Brandon is responsible for the coordination and implementation of new technology projects and processes, including testing and data integration efforts, project tracking and documentation, and analyzing and resolving systems-related issues.

Brandon works on a wide range of projects, from structuring databases so people can run internal reports to developing applications that analyze products in order to provide current status and predictions. He says one of the most enjoyable parts of his job is getting to meet different people. “Everybody is easy to talk to and easy to work with,” he says. “Everybody is really open, really friendly and approachable. I never felt like the new guy. And there’s a lot of opportunity for growth. I’ve yet to feel like I’ve been put in a box.”
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Dealing with the Death of a Loved One

Help with Grieving 
Financial Assistance
Help with Grieving 
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Is there a right way to Grieve?
There are many different ways to grieve but it is important to focus on you. I am going to make this longer and see what happens to the CTA
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Will I ever be happy?
It will take some time, but with the proper approach to grieving you will find happiness.
Financial Assistance
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Funerals can be Expensive
Ensure to make a budget and stick within your budget to reduce stress.
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Keep your Routine
It is important to continue to follow your normal routine.

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  • Life Insurance
  • Annuities
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Value - Designed Products

Life insurance can be the cornerstone of a family's financial security so choosing a life insurance company is not something to be taken lightly.


Tools to Grow

We provide online tools to help you understand what and how much clients' need


Innovative capabilities

We constantly push to create innovative capabilities that help both you and our customers

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Family with young boy enjoys a picnic together at the park

Value - Designed Products

Life insurance can be the cornerstone of a family's financial security so choosing a life insurance company is not something to be taken lightly.


Tools to Grow

We provide online tools to help you understand what and how much clients' need


Innovative capabilities

We constantly push to create innovative capabilities that help both you and our customers

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About the product - Member Advantage® Life Term

Help clients get retirement ready with Product Name Here, designed to protect them from major market losses and optimize every hard-earned dollar.
Box in orange shield

About the product - Member Advantage® Life Term

Help clients get retirement ready with Product Name Here, designed to protect them from major market losses and optimize every hard-earned dollar.

We are going to treat this like disclosure text.

We are Protective in white text on blue background
We are Protective
Hear our employees' thoughts on Protective. Explore our different departments to learn about the exciting work we do and to see the different types of jobs at Protective. Youtube: Oefs24n0VPI
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Tools to grow your business

EZ App
Trade paper for speed, convenience and improved accuracy when you use EZ-App.
Illustrations
Run special software to generate illustrations and hypotheticals for life insurance and annuity products.
Forms
Download all application and form packets, available by state.
Marketing Materials
Access a collection of sales and marketing materials to help you easily navigate the sales process.
Your Library
Save and customize sales material with your contact information to support your sales and prospecting.
Get a Quote
Know what you need? Get a Quote!
* 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.
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Questions Your Clients Need to Answer When Considering an Annuity
The financial crisis of 2008 cast a long shadow and people like your clients who are engaged in retirement planning want to do all they can to protect themselves from the vagaries of the markets. It's no wonder, then, that certain types of annuities are a product that people consider for their investment strategy. As a professional advisor, you know annuities are not for everyone. Here are some key questions your clients should be able to answer when they are considering investing in an annuity
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We've got you covered

Life insurance from Protective can help provide financial security for your loved ones when they may need it most. Major life events affect your life insurance needs.
Life events
Major changes affect your financial needs. Purchasing a home, getting married, or having a baby can trigger the need for a new life insurance policy.
Financial stability
Protect your family's future financial needs with the life insurance policy that insure your future income to cover things like your children's education or mortgage.
Business preservation
Keep a business in the family and replace income for your family members who depend on that business. Allow a partner to buyout the business
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Get appointed today

The first step in doing business with Protective is getting appointed. It's a simple process.
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Unique solutions, tailored to your needs

Term Life
A term life policy offers the flexibility to select the length of the policy term that works best for you. A more affordable option compared to whole life insurance.
Permanent Life
Permanent coverage with cash value potential. A permanent life insurance policy can provide lifelong protection and the ability to accumulate cash value on a tax-deferred basis.
Universal Life
A universal life insurance policy from Protective offers more flexibility and provides coverage for a lifetime and typically offers the potential for cash value growth. 
Whole Life
Whole life insurance offers permanent protection and builds cash value at a set rate. And as long as you pay required premiums on time, your benefits are guaranteed. A level premium with both a death benefit and cash value component. 
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We'll help you choose the right policy for you

Try our Find a Policy tool or review the chart below to get started.
Indexed Universal Life Insurance Flow Chart
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The Application Process

1
Download your Claim Form
Select your Company and State to Download Form
2
Print and Complete Form
Print your Claim Form, Fill in the Details and Sign
3
Mail in your Claim Form
Mail your Completed Claim for to Protective and we will Begin the Process
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Need help finding a Policy?

Use our awesome tool

How long do you need coverage?
Do you want to build cash value (at potentially higher premiums) or keep your premiums low (with potentially less cash value)?
Are you willing to accept higher market risk in exchange for potentially higher cash value in your policy?

Based on your answers, you may need:

Protective Classic Choice Term

  • 10 to 30 year coverage options
  • Designed for affordability

Consider Protective® Classic Choice Term:
With a Protective Classic Choice Term life insurance policy, you get the benefits of affordability and level premiums you need today with options for the future.

Call 1-800-733-5433

Based on your answers, you may need:

Protective Classic Choice Term

  • Lifetime coverage
  • 10 to 30 year coverage options
  • Designed for affordability

Consider Protective® Classic Choice Term:
With a Protective Classic Choice Term life insurance policy, you get the benefits of affordability and level premiums you need today with options for the future.

Call 1-800-733-5433

Based on your answers, you may need:

Variable Universal Life

  • Lifetime coverage
  • Cash value
  • Flexible payments

Learn more about Traditional Universal Life
We can help you find a policy that meets your needs for cash accumulation at a specific rate and permanent coverage.

For current rates, call 1-800-733-5433

Based on your answers, you may need:

Indexed Universal Life

  • Lifetime coverage
  • Cash value
  • Potential cash value growth beyond fixed interest
  • Flexible payments

Learn more about Indexed Universal Life
We can help you understand if an Indexed UL policy is right for your needs.

Call 1-800-733-5433

Based on your answers, you may need:

Traditional Universal Life

  • Lifetime coverage
  • Cash value
  • Potential cash value growth beyond fixed interest
  • Ability to select from specific funds
  • Flexible payments

Find the right Variable UL policy for you
Protective offers several Variable UL products. Let us help you find a policy that meets your needs.

Call 1-800-733-5433
We are Protective
Hear our employees' thoughts on Protective. Explore our different departments to learn about the exciting work we do and to see the different types of jobs at Protective. Youtube: Oefs24n0VPI
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  • Claims
  • Existing Customer
  • New Customer
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Helpful Resources

Start a Claim
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Check Claim Status
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Update a Beneficiary
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About the product - Member Advantage® Life Term

Help clients get retirement ready with Product Name Here, designed to protect them from major market losses and optimize every hard-earned dollar.
Family with young boy enjoys a picnic together at the park

Value - Designed Products

Life insurance can be the cornerstone of a family's financial security so choosing a life insurance company is not something to be taken lightly.


Tools to Grow

We provide online tools to help you understand what and how much clients' need


Innovative capabilities

We constantly push to create innovative capabilities that help both you and our customers

Icon of white question mark in solid orange circle

Frequently Asked Questions

How do I change my Beneficiary
Please visit myaccount.protective.com to manage your beneficiaries. 
How do I make a claim
You use our online claim notification page located
What is a Policy Loan
For Universal Life policies, the amount you borrow still earns interest but at a guaranteed interest rate instead of a current interest rate. You are not required to pay the loan back. However, as long as there is a loan against the policy, you will be billed at a percentage of interest each policy anniversary. You can make payments on a loan. Therefore, it is beneficial to your policy for this amount to be paid back. If we do not receive the interest payment and there is enough cash value in the policy to cover the amount, the policy loan will increase by the amount of interest due. If there is not enough cash value in the policy to cover the interest amount, the policy could lapse. If a death claim occurs, the loan plus any outstanding interest not paid will be deducted from the death benefit proceeds paid to the beneficiary. Policy loans may affect how long your policy will stay in-force. Therefore, you may need to increase your premium at some time.
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Join Protective in four simple steps

1
Apply
Use the online application system to apply for all positions of interest, and we will email you to confirm we received your application.
2
Applicant screening
If you meet the position's qualifications, you will be invited to complete any required assessments. 
3
Interviews
If you are selected to continue in the process, you will be invited to participate in a phone or in-person interview. If you are considered to be a good match, you will be invited to interview in a formal interview with a member of our management team.
4
Candidate selection
After the formal interviews, we will select an applicant for the position. If you accept a contingent offer of employment, you must satisfactorily meet all the requirements of the comprehensive background check, including not limited to, verifying work and educational history, a criminal background investigation and a drug screen.