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Protective Classic Choice Term

Simple, streamlined coverage, Protective®  Classic Choice Term is designed for those seeking affordable coverage to cover immediate needs for a specified period of time. With Protective Classic Choice term, clients can choose the amount of coverage they need with a term period of 10, 15, 20, 25, 30, 35 or 40 years. The death benefit will be guaranteed (as long as premiums are maintained) and the premiums will be level each year during the selected term period.
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Why Protective Classic Choice for term life insurance?

Simple and affordable coverage gives your clients peace of mind.
Flexibility with optional riders
For an additional fee, add riders for a customized policy. Optional riders include accidental death, children’s term life insurance, terminal illness, waiver of premium or income provider option. 
Expedited underwriting
This solution is available to some clients with PLUS, Protective Life Underwriting Solutions, designed to underwrite applicants with the least invasive requirements possible, to expedite the issue process.
This policy offers a guaranteed death benefit for the term of the policy, as long as premium payments are timely made.
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Identifying the right client for this product

When it comes to life insurance, there is no “one size fits all.” Protective Classic Choice may be a good option for clients who answer yes to the following questions.

  • Is sticking to a budget your client’s top priority?
  • Does your client require coverage for a specific period?
  • Does your client value affordability over flexibility?

Download our Life Insurance for Short-term Needs Brochure for more information. 

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Get appointed

The first step to doing business with Protective is getting appointed. It’s a simple process.
Protective Classic Choice Term, policy form number TL–21, and state variations thereof, is a level death benefit term life insurance policy to age 90, issued by Protective Life Insurance Company, Nashville, TN. 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. Premiums increase annually after the initial guaranteed premium period. All payments and guarantees are subject to the claims-paying ability of Protective Life Insurance Company.

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