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  • Costco members save an average of 15%*

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  • 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. Executive members receive additional savings.

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    “The process was simple & painless. Their patience was great as I had a lot of questions & was responsible for holding it up.”

    Kirkland, WA
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    “I applied for life insurance through Costco. Protective Life was very competitive. The best rate actually. Very easy process. I enjoyed knowing it’s a good product because of the faith I have in Costco.”

    Aurora, CO
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    “I applied for life insurance with Protective, anticipating a high premium. I was pleasantly surprised when they offered me a much lower preferred rate. Truly an excellent value.”

    Woodbridge, VA
  • Competitor Comparison Chart

    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

    Why Protective

    Your Life Insurance Quote from Costco and Protective

    Fill the Need for Dependable Life Insurance Coverage

    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, 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.

    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), Birmingham, AL. 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 0D08407.

    * Percentage is based on first year annual premium comparisons between Protective’s Classic Choice term product and the Member Advantage 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, 2019, vary by carrier and are subject to change without notice.

    1 Savings based on premium comparisons with leading national life insurance carriers’ term products. Premiums were compared among the premiums for the first 5 years of the Member Advantage Life term insurance policy and competitors’ term products with select preferred, non-tobacco underwriting class and a 20-year level benefit period. Rates are effective as of August 12, 2019, vary by carriers and are subject to change without notice.

    2 Based on the first 5 years of premium of a Costco Gold Star or Business Membership, 20-year period, $500,000 face value for an eligible 40-year-old male at the select preferred non-tobacco rate. Monthly premiums for the Member Advantage Life insurance policy will increase at year six. Face amount listed is for the initial level benefit period. Actual results will vary based on a variety of factors including age, gender, health and other underwriting factors.

    Life Insurance for less than 51 cents a day: Based on a 20-year period, $250,000 face value for an eligible 40-year old male at the select preferred non-tobacco rate.


  • Need help? Speak to one of our Member Advisors. White Phone icon 1-844-740-5433