• Term Life Insurance

    Term life insurance from Protective is usually up to 49% less than the competition. Enjoy savings from a company you can trust. As low as $7.14 per month for $100,000. Get your fast, free quote now!

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  • Compare and Save Up to 49%*

    Term life insurance from Protective Life offers more for your money - and we can prove it.

    With a Protective® Classic Choice Term life policy, you could get $100,000 for as little as it costs for a lunch. See for yourself:

    Here’s a sample comparison of a 30-year-old-male with $100,000 of coverage for 10 years.

    For more than 100 years, Protective Life has helped families like yours save money while protecting their financial future.

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    * Savings based on premium comparisons with leading national life insurance carrier term products. Premiums were compared between the Protective Classic Choice Term life policy and the competitors’ term products for a 30-year old male with a $100,000 death benefit, select preferred non-tobacco underwriting class and a 10-year initial guaranteed premium period. Rates are effective as of October 6, 2017, vary by carrier and are subject to change without notice. Competitor policies may not be available in all states.

  • Reasons to consider term life insurance

    • Simple:

      With fixed, level premiums, term life insurance is simple to understand and this makes it appealing to many people.

    • Affordable:

      Protective Life takes affordability to a new level with term life insurance rates typically well below the competition.

    • Coverage:

      With term life insurance you select a policy term, typically 10 to 30 years, that could cover a specific period in your life.

  • Interested in term life insurance?

    If you’re thinking about term life insurance, consider the Protective® Classic Choice Term life policy. With rates up to 49% less expensive than the competition, you can get more coverage to help protect your family’s future.

    And when you choose Protective, you’re choosing a company with a legacy of serving families like yours for more than 100 years.

    Five key things you should know about term life insurance

    • Provides financial protection for a specific period of time, usually 10 to 30 years.
    • Often used when you anticipate your family’s need for coverage lessening in the future.
    • Usually less expensive than permanent life insurance.
    • Does not build cash value.
    • Premiums can increase once your initial coverage period ends – so be sure to plan for the end of your coverage period.
  • Term Life Insurance from Protective

    The Protective® Classic Choice Term life product is designed to give you the affordability you need today with options for the future.

    • Term periods from 10 to 30 years
    • Coverage amounts from $100,000 to $50,000,00
    • Options to convert to a permanent policy without a medical exam if your needs change.1
    • Guaranteed, level premiums
    • Income tax free death benefit to your beneficiaries
    • Terminal illness rider - to allow for accelerated death benefits if your state allows this

    1 Conversion options will vary based on term length and product availability. And pricing for your new policy is subject to change, though you will retain your original risk class.

  • Why choose term life insurance from Protective Life?

    While you can save a lot of money with a Protective Classic Choice Term life policy, there are more reasons to buy from Protective. We were founded in 1907 with a mission to serve both the people and the communities in which we work. Our financial ratings attest to our strength and stability, and our people are the heart of the organization. Now find out what your peers have to say about doing business with us.

    See Protective Life Customer Reviews
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  • Common uses for term life insurance:

    The death benefit from either a term life or universal life insurance policy can be used for many different purposes. Some common uses include:

    Income Replacement

    Income Replacement

    Providing a few years of income replacement for families in their prime earnings years.

    Children's Education

    Children's Education

    A safety net should something happen to you while you’re saving for your child’s college education.

    Divorce Settlement

    Divorce Settlement

    Satisfy requirements related to divorce, ensuring that alimony and child support can be maintained.

    Mortgage payoff

    Mortgage Payoff

    Policy proceeds can be used to cover an outstanding mortgage balance or other debt.

    Student Loan

    Student Loan

    Policy proceeds can prevent your family from being burdened with covering student loans.

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    See how affordable life insurance can be.

  • Pros and cons to term life insurance:

    Pros of term life insurance

    Cons of term life insurance

    • Typically the most inexpensive form of life insurance coverage

    • Allows you to purchase coverage for the specified time frame you need

    • Easy to understand and manage

    • Offers fixed, level premium payments

    • Renewal premiums can be expensive if you need to extend coverage beyond your initial benefit period

    • Death benefit and coverage length cannot be adjusted

    • Does not build cash value

    Pros of term life insurance

    • Typically the most inexpensive form of life insurance coverage

    • Allows you to purchase coverage for the specified time frame you need

    • Easy to understand and manage

    • Offers fixed, level premium payments

    Cons of term life insurance

    • Renewal premiums can be expensive if you need to extend coverage beyond your initial benefit period

    • Death benefit and coverage length cannot be adjusted

    • Does not build cash value

  • What is the difference between term and whole life insurance?

    A basic term life policy offers:

    • The flexibility to select the length of the policy term that you desire

    • A more affordable option compared to whole life insurance

    • A level premium and death benefit for the length of the term

    • The option of renewing coverage when your term ends (typically resulting in a higher premium and possibly a reduced face amount) 2

    2 Not all term policies include this option. Check with your agent or company representative for specifics regarding your policy’s terms and conditions.

    A basic whole life policy offers:

    • Coverage for your whole life (as long as premiums are timely made, your policy will not expire)

    • Level premiums that won’t increase

    • A guaranteed death benefit that won’t decrease (unless cash value has been withdrawn and not repaid at time of death)

    • The potential to build cash value over time

    • The living benefit of cash value. Any cash value that may accumulate in your policy can be withdrawn or borrowed against and used for any purpose (important note: any outstanding loans or partial withdrawals that aren’t paid back will reduce your policy’s death benefit)

  • For more information on life insurance options, give us a call at 1-844-733-5433 and talk with a Protective Life Agent, or get a free online quote for the Protective® Classic Choice Term life policy right now.

  • The Learning Center can help you on your path to affordable coverage!

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  • Getting a life insurance quote with Protective Life is easy!

    1. Calculate needs
    2. Get quote
    3. Submit application
    4. Complete medical exam
    5. Application review and acceptance
  • See why so many have chosen Protective