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Policy types

Before you start shopping for life insurance, read this section to get to know the unique features and benefits that come with each type of policy 
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Father and daughter dancing at home, thankful that the father bought child life insurance.
Policy Types

Learn your options for child life insurance at Protective

If you are investigating child life insurance, these articles will help provide information on everything from why it may be a good idea to simple ways to get the coverage you want.

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An older gentleman who smokes but is able to get life insurance.
Policy Types

Life insurance for smokers: What's the cost?

If you are a smoker, having some life insurance is better than having none. This article discusses preferred smoker rates, when you are considered a nonsmoker, and the importance of full disclosure.

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Older couple laughing in kitchen.
Policy Types

Life insurance over 50

If you are over the age of 50, getting life insurance is still possible. As you age, premiums for new policies may be higher and your options may be more limited, but don't rule out insurance at a later age.

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Woman in glasses sitting outside looking at her phone with her laptop in her lap.
Policy Types

Life insurance policy options if you leave your employer

If your current place of employment changes, do you know what will happen to your life insurance policy? Find out what options are available to you if you are interested in retaining that policy.

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Family spending quality time together.
Policy Types

Life insurance riders: Taking advantage of policy benefits in your life insurance policy

You can customize your life insurance policy by adding riders or special endorsements to enhance the policy to fit your specific needs. This article discusses a few common policy riders. Please note, Protective may not offer some of these riders.

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Policy Types

Return of premium riders


Some term life insurance policies come with optional policy riders such as the return of premium rider. This article takes a look at what a term life return of premium rider is and how it works.

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A mother wearing a baby holder while browsing her phone for life insurance policies.
Policy Types

Should a stay-at-home parent have a life insurance policy

This article puts forth considerations for buying a life insurance policy for a stay-at-home parent and how the policy can help cover costs of household responsibilities and fund future expenses.

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