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Life insurance made easy

Costco members save on life insurance*

Take advantage of term protection at an exclusive member-only price you'll love. And, we can assist you in finding coverage that best fits your needs. For member assistance call 1-844-740-5433.
Want to learn more about life insurance protection?
Not sure how much life insurance you need?
Ready to start protecting your family? Get a free quote and apply today.
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Quality life insurance. Simple application process.

Protective Life Insurance Company makes it easy for Costco members to apply for reliable term life insurance through our simplified and streamlined online application process. Get a free quote today!

Not a Costco member? Join here Opens in a new window. Executive members receive additional savings.
“I trust Costco. The process was easy, I was well informed, and would highly recommend Protective Life to friends and family.”

“It is a truly a reasonable policy to have to support my husband and children if something would happen.”

“Pleasant, pain-free process.”

Costco member-only savings
See how we compare to leading life insurance competitors.1 A 40-year-old male could get $500,000 in coverage for as little as $24.62 a month.2
3 reasons to purchase life insurance with Protective Life
Costco member-only value
Members saved an average of 15%*

Streamlined coverage
10- or 20-year options to best fit your needs

Financial stability
Protective Life has served families for more than 100 years
Fill the need for dependable life insurance coverage with Costco and Protective
Costco collaborated with Protective Life Insurance Company to offer reasonably priced coverage with special entry level pricing for the first five years that you own your Member Advantage LifeSM term policy.

Dependable life insurance coverage is our promise. Why? Because we’ve been protecting families’ financial futures with reliable life insurance solutions for more than 100 years.

Exclusively available to Costco members, this coverage is yet another way Costco is working to serve you and your loved ones.
Protect your loved ones
You’ll find more information about protecting your family’s future financial security, including important details about our 10- or 20-year level premium term policy with a reduced premium for the first five years — a policy exclusive to Costco members.

And, you can quickly and conveniently get a life insurance quote and start the easy application process right away.
Protective and Costco make it easy
It's easy and convenient for Costco members to apply for the dependable life insurance coverage they want with Protective's simplified, streamlined online process.

Get your free life insurance quote from Protective Life today! And, if you need help during any step of the application process, Protective Life is here for you — simply call 1-844-740-5433 Opens phone handler, and we'll be happy to assist.

Ready to get started? Let us help you protect your family's future with reliable and competitively-priced term coverage from a company you can trust.
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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 (ICC16-TL21/TL-21), 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. In Montana, unisex rates apply. 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 ODO8407. The Arkansas license number for Costco Insurance Agency is 100115847.

All Learning Center articles are general summaries that can be used when considering your financial future at various life stages. The information presented is for educational purposes and is meant to supplement other information specific to your situation. It is not intended as investment advice and does not necessarily represent the opinion of Protective Life or its subsidiaries.

Learning Center articles may describe services and financial products not offered by Protective Life or its subsidiaries. Descriptions of financial products contained in Learning Center articles are not intended to represent those offered by Protective Life or its subsidiaries.

Neither Protective Life nor its representatives offer legal or tax advice. We encourage you to consult with your financial adviser and legal or tax adviser regarding your individual situations before making investment, social security, retirement planning, and tax‐related decisions. For information about Protective Life and its products and services, visit

*Savings is based on first year annual premium comparisons between Protective’s Classic Choice 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 or 15 more years) and after the full level period (10 or 20 years) the premiums will increase annually immediately following the full level period. Rates are effective as of August 12, 2021, vary by carrier and are subject to change without notice.