• About the Product

    Member Advantage LifeSM Term

    Get the valuable life insurance you need from Costco’s trusted service provider, Protective Life Insurance Company.

    Protective and Costco have joined forces to bring Costco members one of the most competitively-priced life insurance products on the market. Member Advantage Life term offers you and your loved ones straightforward protection with an easy-to-understand policy – in fact, Costco members save an average of 15% compared to other products in the marketplace.1 View the product guide for more information.

    Take a look at what Member Advantage Life term offers:

    • Streamlined life insurance protection for level premium periods of 10 or 20 years3
    • Reduced premiums during the first five years of coverage
    • Reliable and dependable coverage at a Costco member-only value
    • Easy-to-understand coverage
    • A quick and convenient application process
    • Dedicated support from our Member Advisors

    Exclusive Benefits for Costco Members

    Our goal is to provide the value you expect as a Costco member. That’s why Protective Life provides you:

    • Life insurance coverage with an average savings of 15% compared to other products in the marketplace.1
    • A streamlined online application process – helping you start protecting your family faster.
    • The potential to avoid a medical exam.2

    Here is sample pricing for a male, non-smoker, age 40, select preferred for $100,000 of coverage, with a 20-year period:

    Gold Star Member Card

    • Years 1-5: $9.81 (monthly)
    • Years 6-20: $11.48 (monthly)

    Executive Member Card

    • Years 1-5: $9.35 (monthly)
    • Years 6-20: $10.88 (monthly)