Acceptance for coverage and pricing is subject to eligibility and underwriting criteria. Member Advantage Life® (ICC20-TL21R/TL-21R), is a term life insurance policy issued exclusively to Costco members by Protective Life Insurance Company (PLICO), Omaha, NE. Not available in New York. Policy form numbers, product features and availability may vary by state. Consult policy for benefits, riders, limitations, and exclusions. Coverage and pricing is subject to eligibility and underwriting criteria. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. Any quote that is present is only an estimate and the actual premium and rate class will be determined after the underwriting process is completed. Costco Insurance Agency, Inc. and Costco Wholesale do not issue, underwrite insurance or pay claims under PLICO policies. Insurance is underwritten by PLICO.
Costco Insurance Agency, Inc. (CIA), a licensed insurance agent, may receive compensation from PLICO and/or its affiliates. CIA and its affiliates do not guarantee the services of any insurance company. PLICO and its affiliates are separate, independent of and distinct from CIA. CIA is not responsible for the financial condition or obligations of PLICO. The California license number for Protective is 07726. The California license number for Costco Insurance Agency is 0D08407.
Actual savings may vary by customer and coverage.
¹ Savings are based on the first 5 years of annual premium comparisons with leading national insurance carriers' term products and between Protective® Classic ChoiceTM term product and the Member Advantage Life® term product. The guaranteed premium will increase in policy year 6 and then remain level for the remaining level period (5, 15 or 25 more years) and after the full level period elected (10, 20 or 30 years) the premiums will increase annually immediately following the full level period. Rates are effective as of July 20, 2026, vary by carrier and are subject to change without notice.
² Coverage amounts and express application processing may be available to applicants from ages 18 – 45 for up to $2,000,000 and 46 – 60 for up to $1,000,000 of coverage that meet certain risk and eligibility requirements of Protective Life. Full medical underwriting may be required for applicants that do not meet Protective's eligibility criteria.
³ After the initial level premium period ends, customers can choose to continue receiving term coverage with increasing premium rates.
Protective refers to Protective Life Insurance Company, founded in 1907, and its affiliated companies, including Protective Life and Annuity Insurance Compary.
Protective is a registered trademark of Protective Life Insurance Company. The Protective trademarks, logos, and service marks are property of Protective Life Insurance
Company and are protected by trademark andror other proprietary rights and laws.
ie insurance and annuity products are issued by Protective Life Insurance Company, Omaha, NE, in all states except New York, where products are issued by Protective Life and Annuity Insurance Company, Birmingham, AL. Protective Life Insurance Company does not solicit business in the state of New York, nor is it authorized to do so.
Variable products are distributed by affiliated broker-dealer Investment Distributors, Inc, Birmingham, AL,
Guarantees are subject to the financial strength and claims-paying ability of the issuing insurance company. Product features, availability, and issuing companies may
vary by jurisdiction.
Enformation provided on this website is for general informational and educational purposes only and is not intended as investment, tax, or legal advice, nor should it be
considered as a recommendation, endorsement, or solicitation with respect to any product or strategy, Individuals should consult their own qualified adisors regarding their
specific situation
When you visit Protective's websites, we may collect personal information from you via your browser or device, or through the use of cookies, analytics tools, and other Technologies. You can exercise your privacy choices by completing a "Do not sell my personal information" request or a "Limit the use of my sensitive personal information" request. Please visit our Privacy Policy for more information about our information practices, including information about your privacy choices.
Investment and Insurance products are: NOT A DEPOSIT OR OTHER OBLIGATION OF, OR GUARANTEED BY, A BANK OR CREDIT UNION | MAY GO DOWN IN VALUE | NOT FDIC/NCUA INSURED | NOT INSURED BY ANY FEDERAL AGENCY | NOT GUARANTEED BY ANY BANK OR SAVINGS ASSOCIATION