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Simplified Issue Term

Frequently asked questions about Protective® Passport Series Simplified Issue Term. Most people have questions when it comes to simplified issue term life insurance. Here are a few we’re asked a lot.
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Frequently asked questions

Do I need to get a medical exam?

No. In place of a medical exam, simplified issue life insurance allows you to apply for coverage by answering a few medical questions. No in-person meetings or doctor appointments are required.

How much coverage can I get without a medical exam?

Coverage begins at $50,000 and goes up to $250,000.

What are the term lengths available for coverage?

Coverage options are available for 10, 15, 20, and 30 years.

What if I decide I need longer coverage?

A built-in conversion guarantee allows you to convert your policy to permanent coverage without a medical exam.

Will my rates change over the period of my policy?

Level premiums are guaranteed not to change during the initial term period.

Still have questions?

We're happy to help. Speak to one of our Member Advisors today. Call 1-844-740-5433 or email customercare@protective.com.

Protective Series Passport Term Life (ICC18-TL22/TL-22) is a term life insurance policy issued by Protective Life Insurance Company (PLICO) in all states except New York and in New York by Protective Life and Annuity Insurance Company (PLAIC), under policy form number (TL-22-NY 8-18). PLICO is located in Nashville, TN. PLAIC is located in Birmingham, AL. Premiums increase annually after the initial guaranteed premium period. Policy form numbers, product features and availability may vary by state. Consult policy for benefits, riders, limitations and exclusions. Subject to underwriting. Up to a two-year contestable and suicide period. Benefits adjusted for misstatements of age or sex. In Montana, unisex rates apply. All payments and guarantees are subject to the claims-paying ability of the issuing insurance company. Protective and Protective Life refer to Protective Life Insurance Company (PLICO) and its affiliates, including Protective Life and Annuity Insurance Company (PLAIC).

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