Skip to Content
Asian family outside
Orange open book icon

Why choose Protective?

Costco has chosen Protective as their exclusive life insurance provider for a variety of reasons, including value, stability and financial strength. For more than 100 years, Protective has been helping protect and provide peace of mind to families. So, when Costco was ready to choose a life insurance provider for their members, Protective was the clear choice.

Founded in 1907, Protective was created on the ideal that we would help serve both our clients and the communities in which we operate. Today, Protective and its New York affiliates offer products in all 50 states and service more than 12 million contracts and policies. And, we have paid out more than $5.7 billion in claims to fulfill the promises made to our customers and their loved ones.

You can count on our strength and stability

The strength of our promise to customers is backed by the financial stability and long-term performance of our company. The major ratings agencies track our efforts and you can review our strong financial ratings for yourself.

Protective isn’t just our name — it’s our mission

We’ve been helping people protect their families’ financial futures for more than 100 years with reliable life insurance and retirement products. We are continually working to simplify and demystify some of the more traditional life insurance processes that keep people from acting on their desires to protect their families. This includes creating fast online applications and teaming up with groups like Costco to make it easier than ever for people to buy the life insurance protection they need.


Icon of white question mark in solid orange circle

Need help?

Contact Member Support today. We’ll be happy to assist you. Call 1-844-740-5433 Opens phone handler.

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), Nashville, TN. 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. The Arkansas license number for Costco Insurance Agency is 100115847.