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Term life insurance

Protective’s term life options offer your clients easy-to-understand products with coverage that doesn’t break the bank. 

Term life solutions to meet your clients’ needs today

Term life insurance is designed to provide death benefit protection for a specified period of time. Generally, term life insurance is less expensive than permanent insurance, making it an affordable way to help clients provide financial security for beneficiaries.

Protective offers term solutions designed to meet your client’s particular needs. With some of the most competitive rates in the industry, our term products may help you get clients in the door, with the opportunity to meet more of their needs in the future.


Options to convert to a permanent policy without a medical exam if your clients’ needs change. Terminal illness riders also available.*

Cost effective
With affordable premiums, term life is typically less expensive than permanent life insurance options.
Multiple options
Term periods range from 10 to 40 years and coverage amounts from $50,000 to $50 million.
* Qualifications apply. Not available in all states. State variations may apply.
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Short-term life insurance for your long-term business success 

See how Protective Life's short-term solutions can lead to your long-term business success.

Short-term life insurance solutions guide
Clients need solid choices when it comes to short-term life insurance coverage. Help them learn which Protective short-term solution may be the right fit with this consumer-approved brochure.
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Life insurance numbers to know
This infographic outlines several facts clients should keep in mind when considering life insurance.
Understanding life insurance guide
This consumer-approved brochure gives your clients a brief overview of the different types of life insurance available. 
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Explore customizable materials to share with your clients

Protective makes it easy to custom brand educational materials to share with your clients. Explore our library of brochures, videos and educational materials on permanent life insurance solutions and help your clients identify the product that best meets their needs.
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Term life products

Term life insurance is designed to provide death benefit protection for a specified period of time.

Protective Classic Choice Term
Protective® Classic Choice term provides simple and affordable short-term coverage with an easy-to-understand policy.
Protective Series Passport Simplified Issue Term Life
Protective Series PassportSM simplified issue term life is a quick and easy way to apply for up to $250,000 in term life insurance coverage without a medical exam.
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Get appointed

The first step to doing business with Protective is getting appointed. It’s a simple process.

For Financial Professional and Plan Sponsor Use Only. Not for Use With Consumers.

Policy form numbers, product features and availability may vary by state. Consult policy 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 guarantees are subject to the claims-paying ability of the issuing insurance company.