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Protective Non-Participating Whole Life

A level death benefit with all premiums, values and benefits guaranteed, Protective Non-Participating Whole Life is an ideal product for those clients who need low face amounts1 and prefer the guarantees only whole life can offer. This plan is particularly suited toward the senior marketplace.

  • Features
  • Optional benefits


Designed to cover a client’s whole life as long as the premiums are paid on time.

Guaranteed death benefit

The death benefit is non-taxable and paid directly to your client’s beneficiaries.
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Waiver of premium rider

This rider provides a waiver of premium benefit (including riders) after six months of total disability. Available for issue ages between 18 and 56, with coverage expiring at age 65.

Terminal illness/ accelerated death benefit endorsement*

Provides for an accelerated death benefit payment to the owner, if the insured has a qualifying terminal illness and all terms and conditions of the endorsement are met.

*Not available in New York or in select states. 
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Protective Non-Participating Whole Life is often an excellent solution for the senior market and other clients seeking low face amounts.
This is a non-participating whole life policy with a level death benefit. All premiums, values and benefits are guaranteed.
Protective’s whole life insurance products offer optional riders and endorsements to meet your clients’ precise needs.
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The many benefits of working with Protective

We make working with Protective as easy as possible. Our experienced staff will assist you and your clients through every step of the policy lifecycle.
Online tools
Access customizable marketing tools that support your sales process
Reputable company
Protective Life is a dependable, values-driven company offering a broad portfolio of life and specialty insurance and annuities that provide your clients financial support when they need it most.
Flexible solutions
We offer a complete suite of temporary and permanent life insurance policies as well as a broad portfolio of annuity solutions to fit the needs of a variety of customers.
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Get appointed

The first step to doing business with Protective is getting appointed. It’s a simple process.

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

1  Min $1,000 but not less than the face amount that can be purchased for an annual premium of $120 (including policy fee, but excluding riders and substandard charges.) $25,001 minimum in state of West Virginia. $100,000 minimum for select preferred and preferred rate classes. 

Protective Non-Participating Whole Life insurance product is issued by Protective Life Insurance Company (PLICO) in all states except NY, where it is issued under Protective Life and Annuity Insurance Company (PLAIC). This product is issued under the state-generic form number WL-4 7-13; however, policy form numbers do vary state by state. May not be available in all states. Product and riders are no longer available in New York. Consult the policy for benefits, riders, limitations and exclusions. Subject to underwriting and up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, male rates apply to all sexes. Refer to underwriting requirements for all risk class requirements and medical underwriting guidelines. All payments and all guarantees are subject to the claims paying ability of the issuing insurance company.